Discretionary Investing Defined

Discretionary Investing Defined

Table of Contents How Hollywood Portrays InvestingNon-Discretionary Investment ManagementDiscretionary Investment ManagementWhich Investment Firms Manage Client Portfolios on a Discretionary and Non-Discretionary Basis?Discretionary Investing with CERTIFIED FINANCIAL PLANNER Professionals TM Recently, one of our clients asked us to define Discretionary Investing. It’s natural to have questions throughout your financial planning journey.  Whether you thoroughly researched your…
Continue Reading

Stock Market Crash: When Will it Happen + How to Prepare

Stock Market Crash: When Will it Happen + How to Prepare

Table of Contents Is A Stock Market Crash Around the Corner?Investing for the Next Stock Market Crash: 6 Strategies for SuccessHow Not to Prepare for the Next Bear MarketIt Doesn’t Matter if the Next Market Crash is Around the Corner Today we are talking about the next stock market crash and how to prepare. You’ve…
Continue Reading

Per Stirpes: What Does This Funny Word Mean + Is it Right for You?

Per Stirpes: What Does This Funny Word Mean + Is it Right for You?

Table of Contents You are Going to Die With or Without Per StirpesSetting Up Your Beneficiary Designations on Retirement AccountsPer Stirpes vs Per CapitaShould I Use Per Stirpes for My Beneficiary Designations?Step-by-Step: How to Elect Per Stirpes or Per Capita on Your Retirement AccountsIn Conclusion Today I’m going to explain exactly what per stirpes is….
Continue Reading

How to Get the Most from Broadcom’s 401(k), ESPP & RSUs

How to Get the Most from Broadcom’s 401(k), ESPP & RSUs

Table of Contents Broadcom’s 401(K): Traditional 401(k) vs Roth 401(k)Get the Employer Match on Broadcom’s 401(k)How Much Can You Contribute to Broadcom’s 401(k)?Recap #1: Maximize Your Retirement Savings Steps 1 – 3After-Tax Contributions & The Mega Backdoor RothTotal Contribution Limits for the 401(k)Recap #2: Maximize Your Retirement Savings Steps 4 – 6How to Choose Investments…
Continue Reading

Step-by-Step How to Lower Taxes in Retirement

Step-by-Step How to Lower Taxes in Retirement

Table of Contents Prefer to Listen? Our Podcast Episode on Lowering Taxes in Retirement:Taxes & Required Minimum Distributions from IRAsHave a Plan for RMDs to Lower Your Tax BillPartial Roth ConversionsGiving to Charity in Your Gap YearsManaging Other Income in Your Gap YearsRMDs While You Are WorkingHow Do You Lower Taxes in Retirement? Careful Tax…
Continue Reading

You Can’t Invest Yourself Out of a Savings Hole

You Can’t Invest Yourself Out of a Savings Hole

Recently, I saw a wonderful post on Twitter. It’s too good not to share: “You can save your way out of an investment mistake. You can’t invest your way out of a savings mistake.” – Tom Conlon — Dan Egan 🤓 (@daniel_egan) May 1, 2018 This is a fantastic point. It’s such a good point…
Continue Reading

Should I Buy Extra Insurance from My Job?

Should I Buy Extra Insurance from My Job?

Table of Contents Life and Disability Insurance from your EmployerQuality of Employer-Provided InsuranceThe Price of Life and Disability Insurance through your EmployerThe Convenience of Employer-Provided InsuranceDon’t Purchase Extra Insurance Through Your Employer Unless . . . Should you purchase extra insurance through your job? It’s a question many employed folks must answer as they navigate…
Continue Reading

How to Fix a Big Social Security Mistake

How to Fix a Big Social Security Mistake

If you’re nearing retirement and are worrying about having enough money, there’s a huge mistake you should know about. This big mistake is taking Social Security benefits as soon as possible. Instead of signing up to receive Social Security retirement benefits at age 62, wait until you’re 70 (if you can afford it.) Why should…
Continue Reading