The Money Cycle
You are currently experiencing the money cycle and you may not even know it… The average person goes through three phases in their lifetime. It includes Accumulation, Preservation, and Distribution phases. The…
Taxes: Pay Now vs. Pay Later
Which retirement lane would you like to travel? In retirement, the tax rate you pay is somewhat optional. You can either "Pay Now" or "Pay More Later". Pay now is when you…
What is “Market Risk”?
What is Market Risk? Market risk is the impact of volatility on your retirement savings accounts, the risk vs. reward of those investments, and the cost of deprivation of asset diversification. As we discussed…
Net Unrealized Appreciation
Do you get company stock through your employer plan? Are you planning on leaving/changing jobs? Do you want want to take advantage of a more tax efficient method of distributing/moving…
What is the REAL value of your IRA?
When you look at your IRA/401k statement, have you ever wondered how much of that money is really yours? Generally speaking, a distribution from an IRA/401k account is taxed at…
What is an RMD (Required Minimum Distribution)
What is an RMD (Required Minimum Distribution)? An RMD is the minimum amount that must be withdrawn from a qualified retirement account each year. The RMD rules include profit-sharing plans,…