8:00 - 5:00

Hours of Operation: Mon. - Fri.


Call Today For A Free Consultation!





Retirement Planning Blog

Retiring on a Budget: 8 Best Places to Retire in the U.S.

Today, over 10,000 people per day are reaching the age of 65, which is best known for being retirement age. Regardless of if you are near this age, or still have several decades to go, it’s never too early to plan for your Golden Years. An important part of this plan is where you will live. If you are looking for the best places to live that are also affordable, you’re in the right place. Keep reading to find out about some of the best (and most affordable) places in the United States to retire. 1. Wenatchee, Washington The unexpected desert landscapes, parks,...

Continue reading

Retirement Planning: 9 Tips to Help You Boost Your Retirement Savings

If you want to have retirement savings, you'll need to start saving and investing sooner rather than later. If you haven't started saving for retirement, don't stress, there are some steps you can take to increase your retirement savings. Keep reading to uncover these nine tips to help you boost your retirement savings: 1. Focus On Your Retirement Savings Today If you just started to put aside money for retirement, you'll want to start investing and saving as much of that money as you can now, not later. By doing so, you will take advantage of compounding interest. This means that your assets...

Continue reading

The Stretch IRA Is About To Snap Under the Secure Act

By Lewis Braham A new retirement bill passed by the House of Representatives this May has many perks for IRA owners, but one significant drawback for wealthy investors—the death of the “stretch” IRA. Investors who don’t need their IRA savings to fund their retirement have long used a tax-advantaged way of bequeathing that money to their heirs, stretching out the withdrawal period for the account’s assets. Investors are required to take a minimum distribution (RMD) once they turn 70½, and any money in the IRA that’s left to heirs is also required to be withdrawn within a certain time frame—but with a little...

Continue reading

5 Ways to Plan for Early Retirement

After decades of hard work, many people are thrilled by the prospect of early retirement. It is possible for almost anyone, if you are willing to do some planning. However, because the planning often begins when you are still years away from retiring, it can be difficult. Follow these five rules to set yourself up for early retirement. Save Money Now Even though retirement may seem incredibly far off, it is important to start saving money now, especially if you want to retire early. Do not wait to start until you are only a handful of years away from retiring. Cut...

Continue reading

Gain Flexibility in Your Investments with a 401(k) Rollover

When your company offers a 401(k), it’s a convenient way to invest and plan for retirement. However, there’s a limit to how you can invest in a 401(k), so it’s better to roll over your 401(k) into an IRA account, preferably a Roth IRA. Some reasons to do a 401(k) rollover include: Lower fees Less taxes More ways to invest Benefits of a 401(k) Rollover Lower Fees Some 401(k)s that come from employers charge hefty administrative fees. It’s not enough to turn people away from using it, but it can add up. Plus, there are better options out there, such as an IRA....

Continue reading

Converting Your IRA to a Roth IRA

One of the most important things to do throughout your career is to plan for retirement. When you set up your retirement account, there are two Individual Retirement Account (IRA) options: a traditional IRA and a Roth IRA. Some people start with traditional IRAs and switch to a Roth account later. Both have advantages and disadvantages, but there are several benefits of a Roth account that may be worth the switch. Traditional vs. Roth IRAs A traditional IRA is better suited for people who want tax deductions on their contributions and then pay the tax when they take withdrawals. The Pros of a...

Continue reading

How to Maximize Your Roth IRA Contributions

Many people are unaware of the importance of healthy spending and saving habits, as well as how to set up and contribute to an IRA account. When it comes to retirement planning, an IRA account is essential for saving money and building wealth. A Roth IRA account allows you to contribute $5,500 annually and up to $6,500 if you’re over 50. Although there are limitations on how much money you can put into your account, there are strategies you can utilize to make the most out of your Roth account. Convert Other Assets into Your Roth IRA There may be a limit on...

Continue reading

6 Tax Advantages of Roth IRAs

Any type of retirement investment plan will come with tax stipulations, and many people deal with withdrawal penalties and taxable income from their investments after they retire. Roth IRAs include many tax benefits that can help prevent some of the unfortunate stipulations that many other plans have in place. Tax-Free Income Roth IRAs do not tax income in retirement, for either contributions or earnings. You do, however, have to pay income tax on contributions upfront. Roth IRA users can also add after-tax money at any time and withdraw principal and earnings without taxes on retirement. Flexibility Unlike the traditional IRA, a Roth IRA can...

Continue reading

10 Ways That Taxes Are Changing in 2018

The new administration is bringing many changes to the country. President Trump recently signed a tax reform bill that will make the most significant changes to taxes that the United States has seen in 30 years. Here are 10 ways taxes are changing in 2018: The Marriage Penalty is Almost Gone In the previous tax legislation, whether two people were married would affect their tax bracket. President Trump’s tax reform bill prevents two people’s tax brackets from changing if they get married. The only people who have to pay the marriage penalty are couples who earn more than $400,000. Higher Standard Deduction and Eliminated...

Continue reading

Why Millennials Need to Invest in Roth IRAs

The statistics show that Millennials are not investing nearly enough to be ready for retirement when the time comes. Roth IRAs offer millennial investors tax-free investment growth for years, and the requirements for tax-free and penalty-free withdrawals are relatively easy to meet. Millennial investors will benefit from investing in Roth IRAs now, as the rewards of these investments are almost always superior to traditional IRAs. Tax on the Front End One benefit of Roth IRAs is that it is taxed on the front end of the investment, rather than when you withdraw it. Millennials closer to the start of their career than...

Continue reading
The firm only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. State registration is not an endorsement of the firm by the Commission and does not mean that the adviser has attained a specific level of skill or ability. All investment strategies have the potential for profit or loss. Changes in investment strategies, economic conditions, contributions or withdrawals may significantly alter a portfolio’s performance.
There is no guarantee that any specific investment or strategy will be suitable or profitable for a particular client. Past performance is no guarantee of future success. None of the content should be viewed as an offer to buy or sell, or as a solicitation of an offer to buy or sell the securities discussed.
Information on this website does not involve the rendering of personalized investment advice but is limited to the dissemination of general information on products and services.