Financial planning blog

Timely and free financial planning advice

September 13, 2021

The Withdrawal Policy Statement

Withdrawal policy helps you be ready for retirement by ensuring that you have the money you need to cover your expenses. It also helps you protect your loved ones by making sure they are not left with a large debt if something happens to you. There are two types of withdrawal policy: mandatory and voluntary....

College graduate celebrating a bright financial future

September 1, 2021

Parents Who are Paying for College, Some Advice

Paying for college is expensive and difficult! Here are some tips to keep in mind.

August 24, 2021

Paying Taxes Now or Later?

The President wants to raise taxes and Congress may be inclined to pass a bill that makes it so. As your personal financial planners, we get asked frequently – is it better to pay taxes now or later? – we will have to help you make decisions before we know the results. Here are some...

Chalkboard displaying inflation concepts and economic impact

August 5, 2021

Inflation is a World Wide Phenomenon

Inflation is Affecting Most Countries in 2021 From August, 2021. We hear a lot of talk about inflation in the USA. But it is not just an American problem. Look at the following chart: Source: Statista In this great chart on inflation expectations around the world, you can see the USA is not in...

Visualizing inflation’s impact on purchasing power and investments

July 28, 2021

2nd Quarter Investment Update

2nd Quarter Investment Update Please click here for the complete investment commentary from our research partners at Litman Gregory. In brief, we are watching: Inflation Covid-19 Fiscal policy, especially in the USA Good expectations for equity returns—but bumpy! It is still too early to say whether and to what extent the past two months’ inflation reports are harbingers...

July 28, 2021

Roth Contribution for High Income Earners

How High Income Earners can Contribute to a Roth IRA Read more about what some people call a back-door Roth IRA contribution. NOTE: This may go away! Peter Thiel has a $5 Billion Roth IRA Recently, one of the founders of Paypal, among other successful technology companies, made the news with the size of...

Roth contributions advice for women investors

July 28, 2021

Any Wealthy Person’s Roth, aka Back-door Roth

A simple plan that may help any person go tax free with a Roth, regardless of income. Plus, there is a hidden benefit for older folks and people with a higher income. So let’s dive in.

Making a Real Estate Investment Decision

July 8, 2021

How to Make a Financial Plan – 10 Steps Guide to Creating a Financial Plan

If you want to make a financial plan, then this 10 step plan will make it a little easier for you to work through the vast and complex issues at hand.

July 8, 2021

4 Themes of Future Growth

4 Themes of Future Growth We last talked about our forecasts in January, and then previously in 2020. We lean on our researchers at Athena Invest and Litman Gregory. We also lean on our investment managers. Among the best forward-thinkers are the men and women at Baron Funds, Artisan, Sands Capital and other “future growth”...