Articles

How Does Inflation Impact My Investing Strategy?

Inflation is frequently mentioned in the news and particularly by the financial press. Lately we’ve heard about inflation connected with many products and services as we emerge from the pandemic. Inflation is often linked with Federal Reserve policy as well.  Inflation is a key variable to consider in your financial planning, especially for those nearing […]

What to Know About 401(k) and IRA Rollovers

Rolling over a 401(k) account when you leave an employer can be a smart move with these important retirement assets. IRA accounts are also an important tool in your retirement savings efforts. From time to time it might make sense to roll an IRA account from one custodian to a new one.  Let’s look at […]

Do My Investments Need to Change in Retirement?

Retirement is often looked at as a milestone in our lives, and it is. While your investments likely will change in retirement, we are finding that this change is often a bit more gradual than we might have seen in the past for retirees. How you invest once you reach retirement will depend upon a […]

How to Adjust Your Financial Plan When You Receive an Inheritance

We are in the midst of the greatest intergenerational transfer of wealth in history. Financial services research firm Cerulli Associates estimates that nearly 45 million U.S. households will transfer over $68 trillion in wealth over the next 25 years. If you are the recipient of an inheritance, how should you adjust your financial plan? Our […]

Steps to Take in the Years Leading Up to Retirement: Pre-Retirement Tips

We read a lot about the importance of saving and investing for our retirement throughout our working careers. This is critical and we encourage our clients to save as much as possible and advise them on how to invest for retirement.  What doesn’t always receive as much emphasis is the importance of pre-retirement planning, specifically […]

Should I Take a Lump-Sum Distribution or an Annuity?

If you recently received a letter offering you a lump sum distribution or an annuity from a former pension plan, you may be trying to weigh your best options. Your former employer can inform you of the choices available to you, but they are not able to offer guidance about what choice will be best […]

How to Manage Investment Risk - What to Consider

For investors, there are two key metrics, risk and return. Return is the reward for investing. Investment returns are what fuel the attainment of financial goals such as retirement and funding your children’s education. Managing your portfolio’s investment risks is a key factor in achieving the types of long-term returns you are seeking.  What is […]

Ways to Invest Tax-Efficiently

Everyone wants to save money on their taxes, but we firmly believe that tax considerations should not drive your investment decisions. That said, we work with our clients to invest as tax-efficiently as possible within the confines of their investment strategy. Here are some thoughts on ways to invest tax-efficiently.  Taxes and investing  There are […]

Year-End Tax Planning Strategies For 2020

As 2020 comes to an end here are some last minute tax planning strategies to be aware of... Charitable Giving The CARES Act allows for an additional $300 charitable deduction for 2020. This will be available to all filers, regardless if you itemize your deductions or not. Those who have not done so should consider donating […]

How to Strengthen Your Retirement Plan with an HSA Account

In recent years a shift away from company sponsored Pension Plans has increased the emphasis of saving to 401K account. This trend makes 401K plan funding a vital piece of retirement planning.  When reviewing your retirement scenario, it is also wise to consider how funding an HSA account can provide an added layer of retirement […]

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