This strategy of diversifying bonds can help smooth out the ups and downs of the market.
When the market is in decline, we take these proactive steps with our clients.
Less restrictive than budgeting, spending plans are a proactive and flexible way to anticipate cash needs in retirement.
Learn how a combination of outside income, investments, and retirement accounts can help cover regular expenses.
Withdrawing money early from a retirement account is meant to be a last resort—and can come with consequences. Make sure you know these penalties and exemptions first.
An adviser can help you balance today’s wants with tomorrow’s needs. Here’s what to consider when deciding whether to partner with one.
Protecting your portfolio from avoidable income tax is key to creating a sound income strategy for retirement.
Is that new pursuit a hobby or a business? Learn the difference and follow the corresponding tax rules to avoid penalties.
The best way to avoid investing bias is to learn how it commonly shows up—and to pursue an objective investment strategy.
It may be wise to plan for retirement without full Social Security, since projections indicate the future of the benefit is unpredictable.
Learn how diversifying your taxability (not just investments) is key to creating a sound retirement plan.
The good news is that there are plenty of legitimate options to avoid the penalties and taxes.
Learn why we use time-weighted return as a reporting metric and see how it gives you an accurate picture of portfolio changes over time.
Do You Have an Accurate Vision of Retirement? If You Don’t Know Where You Are Going, It’s Going to Be Hard to Get There.
Retirement is not a date on a calendar; it is a journey that begins before our working career ends.
Understand your path for rolling after-tax money in employer-sponsored plans to a Roth IRA and the rules that need to be considered to complete this transaction properly.
Divorce rates are on the rise for those over the age of 55. Learn about the financial implications of this significant life event and get guidance on how to navigate the many considerations individuals face.
Many clients have questions about when they need to withdraw money from their IRAs and what the rules are for Required Minimum Distributions (RMDs). Learn how to evaluate distribution options and avoid penalties that arise when RMDs are not met.
Did you know a critical phase of retirement begins 10 years out? We’ll go over what you need to do in phase one on this edition of Project Wealth.
Retirement is a journey to be enjoyed over time, not a destination. Chris Hershey will help you plan for your unique journey on this edition of Project Wealth.
Our approach to retirement planning combines the seven-step process outlined by the Certified Financial Planner Board of Standards with our own unique focus on maximizing tax efficiency, managing risk, and minimizing expenses throughout retirement.