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Market Timing – What if We Had a Crystal Ball?

What would happen if we could actually time the market and know ahead of time when the lowest point would be to invest?   That’s the question that market analyst Nick Maggiulli set out to answer in his research, which he describes in his blog.  Incredibly,  …read more »

Annuities: Are They a Good Move?

Is an annuity a good move?  It’s very confusing to determine fact from fiction with the plethora of information written about annuities on the internet.  Like most everything else in life and especially in financial planning, there is no one-size-fits-all.  The best answer here is  …read more »

Is Your Investment Account Safe from Fraud and Cyber Thieves?

With cyber theft on the rise, cybersecurity has become a huge concern among businesses and individuals alike.  It is therefore very important to understand how to protect your investment accounts from becoming an easy target.  Read on for the guarantees already in place to protect  …read more »

Should I Keep my Money in the 401(k) or Roll it Over to an IRA?

After many years of saving to your company retirement plan, you finally see the light through the end of the tunnel.  Retirement is near, and there is no shortage of advice from friends, colleagues, and family.  Here are some important points to consider as you  …read more »

Sick of Renting? Follow these Tips when Buying a Home

The biggest mistake people make when making the jump from renter to homeowner is underestimating the total cost of owning a home.  Remember, as the homeowner, you are responsible for not only property taxes and homeowner’s insurance which tend to increase over the years, but  …read more »

Disability and Life Insurance for Your Adult Children – How Does That Affect Your Retirement?

You’ve done a good job of saving money over the years by watching your budget, living within your means, investing your money carefully, and putting in place risk management strategies for protection, like good homeowner’s insurance, comprehensive car insurance, a solid disability insurance policy, and  …read more »

Should You Do It Yourself? Investments and Financial Planning

Smart people shouldn’t need to hire a financial planner or professional investment manager, right? After all, smart people can read and research to inform themselves and therefore they can take care of their own investments and financial planning. Read on to find out how such  …read more »

It Doesn’t Go On Sale: Don’t Wait Until You’re Older for Long Term Care Coverage

“I cannot wait to pay the premiums for my homeowner’s, car, and long term care insurance policies,” said NOBODY ever. Insurance is one of those “necessary evils,” that we spend money on while at the same time hoping that we never have to actually use  …read more »

Inherited IRAs: Don’t Touch Without First Consulting a Professional

If you have inherited an IRA, there are some important rules you must know to avoid some painful and irreversible consequences. The very first step to take is to contact a professional for advice before taking any other action. If you make a move without  …read more »

How to Determine Your RMD (Required Minimum Distribution)

You probably know that when you reach the age of 70½ you are required to make annual withdrawals from your retirement accounts upon which you will be taxed. There is a one time allowance that lets you wait until April 1st of the year following  …read more »

Material included in this section is for general information only and is not intended to provide specific investment advice or recommendations for any individual. It is suggested that you consult your financial professional, attorney, or tax advisor regarding your individual situation.