Financial planning blog

Timely and free financial planning advice

Couple discussing finances with a professional advisor.

December 9, 2021

What’s the Difference Between Risk Capacity and Risk Tolerance?

Risk capacity and risk tolerance are two important concepts that investors should understand. Though they are related, they are not the same thing. Risk Capacity Ability to take on investment risk is a function of objective measures (the client’s financial profile) such as the investment goals, the time horizon for each goal, the need for...

November 29, 2021

5 Best 401K Alternatives: Your 401(k) Isn’t the Only Way to Save For Retirement

Whether you’re just getting started saving for retirement or have decades of investing under your belt, it’s a good idea to know what other investment options are available. While your 401(k) plan may offer dozens of mutual funds from which to choose, the truth is that most Americans have little choice but to settle on...

November 24, 2021

Market is at All-Time Highs! How Do I Invest for Retirement Income Now?

Market is at all-time highs, should I wait to invest or invest now? We have never had the markets reach as high as they have recently. When we talk with clients, they often tell us “it is due for a correction.” I just know it. Well, maybe. What we do know is there are no...

November 16, 2021

Accessibility on Our Website

Making Our Website Accessible None of us are getting younger. In fact, I have never been older than I am at this exact moment in time. And I often joke that I am not losing my hearing, or my vision, but I do think websites are sometimes hard to read. So, we just rolled out...

Investment diversification concept with blocks in cart – A&I Wealth Management

November 10, 2021

Diversification, Taxes and Different Types of Retirement Accounts

Frequently Asked Questions about Retirement Planning Some of the questions that we receive from various folks are fairly common. You may want to visit our web site and see if any of them peak your interests. Here are a few of them: Diversification Read our recent FAQ: Diversification in Investing: Fundamentals, Importance & Why You...

Network Team Podcast – Financial Insights & Tips

November 9, 2021

Episode 41: What’s the Right Amount of Insurance for You?

Jeff Krommendyk discusses the right way to purchase insurance to protect your assets. With over 20 years of experience, Jeff makes it easy to understand what you do and do not want to buy. He reveals some risks that you might not know you have and ways to cover them. He discusses some of the...

November 2, 2021

How to Prepare for the First Meeting with a Financial Planner

If you made the smart decision to work with a CFP® professional to create a plan for your financial future, how do you make your first meeting as productive as possible? At your first meeting, you will typically discuss the financial planning process, what you would like to accomplish as well as how your CFP®...

October 26, 2021

Last Chance for Nearly Unlimited Tax Deductible 529 Plan Contributions

Colorado’s Last Chance for Tax-deductible 529 Plan Contributions Colorado takes away a tax break in 2022 for contributions to college accounts. Now through the end of December, you may make a nearly unlimited tax deductible contribution into a Colorado 529 plan. Beginning in 2022, single tax filers may make a tax-deductible contribution of $20,000 and...

October 20, 2021

Investment Risk in China Today

China is Fraught with Contradictions The first of our expert opinions starts with Litman Gregory, who is one of our key research partners. In our most recent quarterly investment commentary, published last week, the analysts at Litman Gregory discuss two big recent decisions by the Chinese government. First, to take over the private education companies...