Below you'll find a list of all posts that have been tagged as “Retirement”
I’ve been working in wealth management for over two decades now. It’s changed a lot, mostly for the better, but the one thing that has remained consistent is investor behavior. One of the most often repeated statements I hear from investors is something along the lines of, “I want to have returns that outperform the S&P 500 without the same …
Providing employee retirement benefits can help build loyalty among your staff and increased job satisfaction. But where can you start? Business owners will benefit from reading this article on AmericanExpress.com, which features our President & Co-Founder, Dean J. Catino, CFPⓇ, CPWAⓇ. Read “Employee Retirement: 4 Options for Offering Your Workers a Savings Plan” on the American Express website >
See this infographic to learn about the five steps of exiting your business, all the way from “Wealth Transition Planning” to “Post-Sale Implementation.” In the article, we take a look at both your company’s needs, and your personal needs, in each stage. Get the guide…
The best advice is to start now, because time is the most important factor in preparing for retirement. Saving for retirement is a daunting task. It requires cutting back current spending in order to fund an unknown future. We don’t know how long we will live. We don’t know what our future expenses will be. Finally, we don’t know how …
Learn the difference between Business Exit Planning and Personal Financial Planning and how they work together to help make sure that you and your family are prepared for your company’s liquidation event. Read more…
You need to consider the benefits of buying real estate along with the risks. Homeownership used to be considered the American Dream. Most baby boomers grew up with a goal of owning their own home. Now, many members of the younger generation question whether it is a good idea to buy real estate. No wonder – having watched the housing market …
Savings rates are still very low. Here’s how to plan ahead. The current personal savings rate in the United States is not a number to inspire confidence. Yes, it has almost doubled in the past five years. However, the current rate remains only half what it was fifty years ago. Furthermore, not everyone is saving (baby boomers are more likely …
Approximately three fourths of our clientele are current or post-sale business owners. Read this article for advice from financial advisors who have experience with exit planning. In this exit planning article, you will learn about: Predicting the value of your business Maximizing the return on your business investment How to make sure you are on the ‘right track’ to living …
In the early 1990’s, I started my career in the financial industry with one of the most well-known Wall Street firms. Many changes have occurred since 1993. Thousands of different investment strategies have been created. Banks and insurance companies have become financial planning and investment firms, and the reverse as well. We have seen technology break down the barriers to access that …
When saving for retirement, many people use a combination of tax-deferred and taxable investment accounts. But how should you allocate your portfolio between them? Is it better to put high growth assets in the tax-deferred accounts or is it better to put tax inefficient assets in them? The answer may be both, but there are definite strategies to consider when …
Health savings accounts are one of the most tax favored savings vehicles available to Americans. Since they are completely tax free — funded with pre-tax dollars and not subject to taxes at withdrawal —they are a great way to save money for future medical costs. In particular, the HSA could be a good way to help cover long-term care costs. Health savings …
There’s a case for a Roth as new 401(k) options emerge. Many companies are starting to offer employees the choice of Roth 401(k)s as well as traditional 401(k)s. Both are tax-favored accounts. A traditional 401(k) invests pretax money and is taxed upon withdrawal, while the Roth 401(k) invests post-tax money and is not taxed upon withdrawal. Which is a better …
