Investing Archives - Rodgers & Associates

Blog posts by Rodgers & Associates on the subject of investing in the stock market and bonds, including topics like mutual funds, municipal bonds, interest rates, volatility, portfolio balancing, and investment strategy

Six Retirement Tips That Should Go Away Forever

Patrick Carney

These misper­cep­tions can end up costing you a lot of money, and more impor­tantly, years of your life working for someone else rather than pursuing your passions.

What’s the Difference Between Premium Bonds and Discount Bonds?

Richard Elias

A premium bond has a coupon rate higher than the prevailing interest rate for that particular bond maturity and credit quality. A discount bond, in contrast, has a coupon rate lower than the prevailing interest rate for that particular bond maturity and credit quality.

Are Pennsylvanians Saving Enough for Retirement?

Rick Rodgers

Only 51% of Pennsyl­va­nians have tried to figure out how much they need to save for retirement—and just 31% are satisfied with their current financial condition.

Prudent Withdrawal Rate

Rick Rodgers

Even if the proba­bility of success for a 4% withdraw rate is less than some thought, it’s still strong when your portfolio is monitored actively.

Annuity Traps Part 1: Living Benefits

Rick Rodgers

Learn about different types of annuities and under­stand how they can become a valuable component of your retirement plan.

The Potential Dangers of Rolling Your Company Stock into an IRA

Rick Rodgers

If you own large quantities of company stock held within a retirement plan, rolling it into a tax-deferred IRA may not be the best strategy. Learn when a Net Unrealized Appre­ci­ation (NUA) trans­action is the right choice to maximize your tax efficiency.

Does Who Wins in November Make a Difference in Your Portfolio?

Christopher Hershey

While presi­dential elections can influence market perfor­mance, many other factors do, too. It’s important to recognize the complexity of the stock market and be careful not to confuse corre­lation and causation.

What is the Rodgers & Associates Financial Planning Process?

Rick Rodgers

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.

5 Ways to Take Advantage of the Market Downturn

Rick Rodgers

Look for oppor­tu­nities created by lower markets, which include evalu­ating employer stock, performing Roth conver­sions, and investing before the market rebounds.

Is a Loan from my 401(k) a Good Idea?

Christopher Hershey

While it can be tempting to borrow from your 401(k) in the event of an emergency, it’s important to consider the impact of reducing the balance of your retirement plan.

6 Ways to Help You Reach Your Retirement Goals

Rick Rodgers

It’s never too early to start planning for retirement. By setting a strategy— and sticking to it—you can help achieve your goal of financial indepen­dence sooner.

Why Optimism Can be Good for Investing

Rick Rodgers

You only need to look at historic returns for equities to see that this has been true. Yet it appears that despite this evidence, whenever the equity market is falling, many investors start selling.

How Do Retirees Get Paid in Retirement?

Rick Rodgers

What happens when the paychecks stop, and retirement begins? It is one of the most pressing questions we hear from people approaching retirement.

Investment Strategy

Lee Pelko

Should you sell when the stock market is high or buy more? We’ll help you plan an investment strategy on this edition of Project Wealth.

When and Why You Should Convert an IRA to a Roth

Rick Rodgers

The Tax Cuts and Jobs Act of 2017 (TCJA) elimi­nated the ability to use rechar­ac­ter­i­zation to reverse the conversion of a Tradi­tional IRA into a Roth IRA. The process of undoing a Roth…

What Does It Mean to Be a “Retirement Specialist”?

Rick Rodgers

The Rodgers & Associates logo includes “The Retirement Specialists.” The home page of our website says we “specialize in financial planning for those who are retired or expect to retire within…

5 Ways to Close the Retirement Gap and Increase Savings

Rick Rodgers

Last fall The Washington Post reported[1] that 71% of American’s aren’t saving enough for retirement. The article was based on a national survey commis­sioned by Experian in collab­o­ration with Get Rich…

What Impact Will Inflation Have on Your Retirement?

Rick Rodgers

Americans are worried about what inflation might do to their retirement finances. The Allianz Life 2016 Inflation Study was conducted in March of 2016 that looked at Americans’ percep­tions of…

Don’t Retire Broke!

Rick Rodgers

The New Three-Legged Stool A Tax-efficient Approach to Retirement Planning was published in June of 2009. People had been told for years that they would be in a lower tax bracket…

7 Steps To Follow When You Receive a Pension Buyout Offer

Rick Rodgers

Nearly 200 companies have made signif­icant changes to their pension plans over the past 10 years. Plan termi­na­tions, freezes and benefit formula adjust­ments are some of the changes companies are…

What It Means When Your Account Is “Insured”

Rick Rodgers

Deposit insurance depends a lot on what kind of account you have and what is actually held inside the account. You should under­stand how accounts are insured before you make a deposit.…

Maximize Health Savings Account Tax Benefits

Rick Rodgers

The IRS announced the inflation-adjusted deduction limita­tions for annual contri­bu­tions to health savings accounts (HSA) beginning in 2016 through Revenue Procedure 2015–30. HSA deduction limits are updated annually to reflect…

Fiduciary vs. Suitability Standard

Rick Rodgers

Would you be surprised to learn the financial services industry doesn’t follow a uniform standard of care? The financial advice you receive from a bank, credit union, brokerage firm, or independent financial…

The Trifecta in Roth IRAs

Lee Pelko

Improve your odds of achieving financial indepen­dence by inves­ti­gating these strategies now.

Three More Questions Retirees Ask

Rick Rodgers

This summer I started a series on planning for retirement. Many people find retirement planning scary and intim­i­dating. Hopefully you only retire once and you want to get it right the first…

Has Planning for Retirement Ever Been More Difficult?

Rick Rodgers

Planning for retirement can be very difficult. Interest rates are at historic lows, pensions are scarce and those with pensions are concerned about their solvency, the financial stability of Social…

9 Ways to Beat the Medicare Surtax — Part 1

Rick Rodgers

The year 2013 brings some new taxes for upper income taxpayers as well as a return of the higher tax rates from 2001. The American Taxpayer Relief Act of 2012 (ATRA12)…

Reducing Taxes on an Inherited IRA

Rick Rodgers

Have you recently inherited an IRA account? Did you know that the IRD deduction may help reduce the income tax you owe on taxable distri­b­u­tions? Income in respect of a decedent…

Strategies to Manage the Taxation of Social Security

Rick Rodgers

Last week I talked about the double taxation of dividends. Corpo­ra­tions pay tax on their earnings which are taxed a second time when they are distributed to the share­holder as dividends. The…