04 Jan
January 04, 2016

Ben Franklin once said, “Be at war with your vices, at peace with your neighbors, and let each New Year find you a better man.” The beginning of a new year often leads us to examine our lives and find ways to battle vices.

While many of our goals for the New Year may be physical in nature, there are many parallels between our physical and financial well being. When I think of financial goals, I divide

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09 Nov
November 09, 2015

Have you asked yourself where your paycheck will come from in retirement? Once taxes  are considered, will it be enough to live the way you want? For most of us, starting and ending our career with the same company is a thing of the past, as are the days of pension checks funding the majority of our retirement.  For better or worse, most of us now bear the responsibility for our own retirement planning and determining how our savings will

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04 Nov
November 04, 2015

My three-year-old daughter was in the checkout line at a craft store with my wife, happily dressed up for the day as a witch. She had a black dress and black hat, plus she was excitedly holding a bouquet of artificial flowers. (After all, it was a craft store!) Another mother and slightly older daughter waited in front of them in the line. The child pointed at my daughter and said in a loud voice, “Look, Mom – that girl’s

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12 Oct
October 12, 2015

When the markets decline, it’s natural to want to sell equities. It’s hard to watch your account values go down and listen to your advisor telling you to be patient. Although selling equities when they are down is a bad decision, there are things you can do to make the most of a downturn. A Roth conversion is one possible way to take advantage of declining markets.

A Roth IRA is a retirement savings vehicle that grows tax-free. Withdrawals are also

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18 Aug
August 18, 2015

You have worked hard, saved and accumulated wealth, and are now entering the years when you can start benefiting from the money you’ve saved as well as government-provided benefits. There are many milestones during this time period, and it may be difficult to keep them all straight.

Here are a few highlights of what you can expect:

Age 59 ½: This is the magic age at which you gain access to all your retirement accounts, including

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