News & Insights

Four ETF benefits (and some cons too)

For years, investors have used mutual funds to diversify their portfolio and build their portfolio by one security at a time. Then, in 1993, exchange-traded funds (ETFs) were introduced. Basically, they took the benefits of mutual funds to the next level in some cases. An ETF is a type of security that includes a collection […]

At what amount of wealth do you need estate planning?

For pretty much anyone who has a spouse or children, you are concerned about their well-being after you pass. You want to make sure they are financially covered and have the rights to your possessions, so what do you do? Many people write a will and have it officially notarized. However, you may have also […]

Getting the most out of your retirement savings when the market is bearing down

It is exciting as an investor to see your retirement portfolio grow when the market is growing regularly during a bull period. However, bull markets cannot last forever. Eventually, something like COVID-19 comes along and shakes things up, and the market bears down. As of September 2020, the market looks more stable than it did […]

How does the SECURE Act impact your inherited IRA savings?

Many people who contributed to an IRA were aware of the concept of stretching their IRA. Under this concept, IRA accounts were passed to a beneficiary after the owner had died. The beneficiaries then “stretched” this IRA by taking only minimum distributions, which hopefully were lower than the tax-deferred growth of the IRA. Thus, the […]

Which is more important: paying off debt or investing?

Most people want to save money to have financial security in the future, but achieving this looks different for everyone. Some people have a lot of money to invest. Some people have a lot of debts they need to pay off. Some people have both.  This leads to the dilemma that many people with extra […]

What is asset protection and how do you know if you need it?

Lawsuits do not wait for convenience. A motor vehicle accident, credit card debt, bank foreclosures, bankruptcy and other situations can lead to a lawsuit that can make your finances and assets vulnerable to creditors. While a lawsuit can sometimes be unavoidable, you can potentially protect your assets from seizure by including asset protection in your […]