by Ryan Shumaker, The Retirement Team | Jan 3, 2021 | Blog
Did the outcome of the election make you really happy and excited? Or did it leave you concerned, especially when it comes to your investments? Either way, you shouldn’t play politics with your portfolio. Why? Because investing when only a specific political party is...
by Ryan Shumaker, The Retirement Team | Dec 26, 2020 | Blog
Think stocks are high and overpriced? We think the real bubble is brewing in bonds. Looking back to the start of the century, interest rates have been in decline. Back then the Aggregate Bond Index was paying over 7%. Today? Just 1%. This means in order for investors...
by Ryan Shumaker, The Retirement Team | Nov 7, 2020 | Blog
One of the most overlooked, but perhaps most important, aspects of income planning is taxes and how they relate to Social Security. Taxation on Social Security benefits works differently than other income sources; because of this far too many people unknowingly fall...
by Ryan Shumaker, The Retirement Team | Nov 7, 2020 | Blog
Recently, in part one of this article, we discussed how you might be in a lower tax bracket in retirement, but pay a higher tax rate. In this article, we’ll look at how a Roth may be able to help you avoid this scenario. Utilizing a Roth The beauty of a Roth is that...
by Ryan Shumaker, The Retirement Team | Nov 7, 2020 | Blog
One of the most common things I hear from people who own or have been pitched an annuity is the belief that the annuity will “earn 7% guaranteed.” Usually this is due to either a salesperson misrepresenting how the annuity works or the consumer misunderstanding. The...
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