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Roth Conversions: Windfall for some, Bust for Others…Investors Should Proceed with Caution

As we near the end of the year, taxes should be on your mind…and drops in the stock and bond markets often present great opportunities. One particular strategy capitalizes on this year’s market antics: the Roth Conversion. A Roth Conversion is a straightforward process whereby an investor shift...

When Is the Right Time to Begin Planning Your Retirement?

After my dad died of prostate cancer at 63, I of course went to a urologist to assess my risks and discover what if any proactive measures I should take. The urologist gave me a funny answer. One that I think applies equally well to retirement. He said, that I should start getting testing about ...

Is Being Debt Free Killing Your Retirement?

Nothing will test a relationship quite like a home renovation project. As any couple who has gone through this milestone can tell you, “It ain’t no walk in the park.” Once you start opening walls, things never go as planned… hard and fast “requirements” you had go out the window. That vanity you...

FIRE over 50: Part II: The 4% rule & inflation

Let’s jump right back into the FIRE movement, or the Financial Independence and Retire Early movement. Last time, we talked about what sparked FIRE and described some of its tenets, as well as how they applied to those of us greyer in years. (Click here to read FIRE over 50 Part I.) One of thos...

FIRE over 50: Part I

FIRE over 50: Part I The Financial Independence Retire Early (FIRE) movement gained steam during the pandemic. A booming stock market and soaring real estate values bolstered the net worth of many individuals and couples. Moreover, a more flexible working environment and the quick shift to an on...

Sequence Risk: What Retirees Need to Know in the Early Years of Retirement

When most people think about retirement, they imagine a time when they can finally relax and enjoy themselves after years of hard work. But for many retirees, the reality is far different. In fact, many retirees face a serious sequence risk that could have a devastating impact on their retirement...

8 Ways To Reduce Your Market Risk Today

On Monday, the Dow finished at a 3.5% loss, making it the third worst daily point drop in Dow history. Market commentators are blaming fears over the coronavirus as the source for the pullback. Regardless of the reason for the drop, as an investor the question remains, how do we protect ourselve...