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Searched: "sequence"

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The Silicon Valley Bank Failure a Hard Lesson for Retirees

On Friday, March 10, Regulators took over Silicon Valley Bank (SVB) and put it in to receivership, putting thousands of companies, and tens of thousands of employee paychecks in to jeopardy. Two days later and over 3,000 miles away the same thing happens with Signature Bank in New York. SVB was ...

Post Dec 31st Tax Moves to Reduce Your Current Tax Bill

2022 was a big year for tax savers. Tax loss harvesting was huge, and sequence risk reared its ugly head. Congress in the last minute, passed a massive piece of legislation that included many updates for retirees. We'll talk more about those next week. For now, let's talk about some last-minute ...

Can BNPL Protect Your Retirement Savings This Holiday Season?

Growing up I was always told that debt was bad. Never get into debt. Don’t pay interest. Don’t pay retail, etc… and for a long time these rules have worked to help millions of Americans achieve financial freedom. Of course, like most things in life, the answer is rarely black ...

Roth Conversions: Windfall for some, Bust for Othersā€¦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 i...

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 h...

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 o...

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...