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How Do I Take Withdrawals in Retirement? An Introduction

Investment Education, Retirement SavingsBy Kristi SullivanMarch 13, 2023

Retirement in America is not for wimps.  For most people, gone are the days when you hang up your tools one day and then go home to a steady pension for the rest of your life.   Nowadays, we must consider Social Security claiming strategies, required minimum distributions rules, ever shifting tax brackets, and changing…

WTF (What the Finance?) is Tax Loss Harvesting?

Financial Education, Investment Education, Personal FinanceBy Kristi SullivanDecember 12, 2022

Yep, your investments are down and so are your spirits.  Those looking for a silver lining may be talking about tax loss harvesting.  What does that even mean? Warning, if your money is all in retirement accounts (IRAs, Roth IRAs, 401(k)s, 403(b)s, this concept doesn’t apply.  Tax loss harvesting is only for accounts where capital…

Bigger and Better 401(k) and IRA Contribution Caps in 2023

Investment Education, Personal Finance, Retirement SavingsBy Kristi SullivanDecember 5, 2022

Maybe inflation isn’t all bad.  Social Security checks are going up 8.7%, you can buy a 1-year CD earning 4.5% interest, and (for those who aren’t spending every last time on more expensive groceries) we are seeing a big jump in retirement contribution limits for 2023.  To summarize:   401(k), 403(b), 457 plans:  Under age…

Annual Sweet and Scary Investment Report

Investment EducationBy Kristi SullivanOctober 10, 2022

Let’s start off with a direct quote for how the October 2021 version of this blog started:  “I guess it’s a good year in the stock market when the worst performing sectors (so far, as of writing this blog on September 13th) aren’t negative, just not up as high as the best performers.  My sage…

What Is Your Risk Tolerance – Really?

Financial Education, Investment Education, Personal Finance, UncategorizedBy Kristi SullivanSeptember 26, 2022

Ugh, September is one of those months with FIVE Thursdays.  That’s a lot of blogs to write so I’m taking a breather this week and re-running a Blog from July 2022 about risk tolerance and stock market drops.   The financial services industry has for years been collectively handwringing about how to measure clients’ real…

Should I or Should I Not Buy I Bonds?

Financial Education, Investment EducationBy Kristi SullivanMay 31, 2022

I bonds are getting a lot of interest because inflation is finally up.  Over the past 10 years, the return has been around 2%-3% average over the long term.   Consider these things about I Bonds: You can only put $10,000/year per Social Security number in them per year. You must hold them for 1…

WTF (What the Finance) is Direct Indexing?

Financial Education, Investment EducationBy Kristi SullivanMay 23, 2022

Do you feel like the financial services industry is plotting to sell you yet a new way to invest your money?  Do you wonder if investment companies are constantly looking for a way to make themselves seem smarter than you and justify charging you fees? You are right!   Enter the idea of Direct Indexing. …

You Won’t Want to Hear This

Investment EducationBy Kristi SullivanMay 2, 2022

As financial advisors, we can be worried about offending our clients.  We may not tell you the hard truths when you are dithering about your accounts going down.   The tendency to handle clients with kid gloves could be harmful because we don’t just tell it like it is.  I think you can handle it.…

Stock Market Losses; Yeah, They Happen

Investment Education, UncategorizedBy Kristi SullivanFebruary 21, 2022

You may have noticed that I never offer any sort of stock market forecasts, or beginning of the year prognostications, or opinions on what will happen with inflation, or dire warnings about the bond market collapse in the next 6 months.   Why?  Because I will never be right (unless by total lucky coincidence), and…

How to Be Ready for Stock Market Losses

Investment Education, Personal FinanceBy Kristi SullivanJanuary 17, 2022

I like to throw you a depressing blog about the stock market occasionally to remind you that dropping stock markets are normal, not to panic and sell, blah, blah, blah.   Just when I was struggling to make this information fresh, I happened to listen to a podcast in the Choiceology series by Dr. Katy…

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