Last week, we talked about spending down retirement money starting with already-taxed assets, then tax-deferred accounts, and ending with Roth IRAs. This week, we look at spend down Method #2: Tax-deferred (Traditional IRAs, 401(k)s) first, taxable (non-retirement) accounts second, Roth…
A question that I am asked to address in many financial plans for pre-retirees is, “in what order should I take out my assets?” In other words, does it make sense to tap tax-deferred plans first or last? When should…
Finding a financial planner is a scary process. Kind of like finding a hairdresser, but the hairdresser decision is MUCH more important. You have similar questions in the relationship. Will I be listened to? Is this person competent and experienced?…
Have you ever wanted to meet with someone to get advice on your finances, but didn’t feel comfortable hiring a financial planner? Or, do you just have a few questions, but don’t need a big financial plan? Good news! There…
As I sit here writing my monthly blogs, my doorbell rings. It’s my next door neighbor (who I have not met before – the house is a rental with lots of turnover) coming to inform me that my son and…
In the May, 2015 print edition of Money Magazine, there is an article called 101 Ways to Build Wealth. These list-type of articles come around often and say many of the same things, but a few interesting ones I found…
Have you ever seen someone struggling with their finances and wanted to help?
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