Retirement articles we’ve written featured in

Forbes, The Topeka Capital Journal, & MetroVoice News

How Low Can Rates Go?

How Low Can Rates Go?

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...

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401(k) Plan Owners: Watch Out!

401(k) Plan Owners: Watch Out!

Imagine how you would feel if you were on a sinking cruise ship and couldn’t get off because there weren’t any life jackets or backup boats. Now ask yourself, if you were going to potentially face this scenario, when would you want to know about it? If you have money...

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Nearly 1/3 of Investors 65+ Sold at the Market Bottom

Nearly 1/3 of Investors 65+ Sold at the Market Bottom

Typically when you fail to plan, you are planning to fail. It’s best to have a plan before trouble comes, rather than make emotional decisions on the fly during times of duress as this often leads to the exact wrong decision. Incredibly nearly 1/3 of investors 65+ (a...

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Ways to Avoid the New Tax Increase on Retirement Accounts

Ways to Avoid the New Tax Increase on Retirement Accounts

Last month we discussed the SECURE Act and its projected $15.7 billion tax increase on beneficiaries of tax deferred retirement accounts (like 401(k)s, 403(bs), TSPs, IRAs, etc.). The only ones excluded from this new way of distributing retirement accounts are...

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The “7% Guaranteed” Annuity Myth

The “7% Guaranteed” Annuity Myth

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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Don’t Play Politics With Your Portfolio

Don’t Play Politics With Your Portfolio

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...

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Should You Change Investments Ahead of the Election? Maybe.

Should You Change Investments Ahead of the Election? Maybe.

Worried about what might happen to financial markets if we have the first contested election in 20 years or if your candidate doesn’t win? You aren’t alone. Unfavorability ratings of presidential candidates has been on the rise the last 36 years and with the megaphone...

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Who Believes in the Rally?

Who Believes in the Rally?

Last month the S&P 500 reached a new all time high. Crazily this has come at the same time that retail investors have been piling out of mutual funds and ETFs at a record rate. The week the S&P 500 finally made it back to where it was in February of this year...

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Who’s Gonna Pay for the ‘Free’ Lunch

Who’s Gonna Pay for the ‘Free’ Lunch

The saying “there’s no such thing as a free lunch” has been attributed to many people over the years. Someone must produce and someone must pay for what we consume. There has to be food in order for there to be a lunch and once that food is consumed it is not...

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The Trouble with Trillions

The Trouble with Trillions

At the end of last month President Trump signed ‘phase 3.5’ of emergency interim coronavirus relief, which comes with nearly a half trillion dollar cost. All told the current running total exceeds $4 trillion in aid. Things aren’t done yet, either. ‘Phase 4’ is...

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The RMD Holiday

The RMD Holiday

We said last month that retirees are one of the highest and most unfairly taxed groups out there and stressed the importance of tax reduction planning when it comes to investments and retirement. While the SECURE Act passed last December is certainly a huge negative...

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The Stock Market in Election Years – Should you be worried?

The Stock Market in Election Years – Should you be worried?

A common question I’ve heard as of late is ‘what’s the stock market going to do given the upcoming election?’ Well let’s start by looking at how the S&P 500 has fared in the 18 elections since World War II. There has only been 2 years out of the 18 where the...

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Getting The Taxman Out Of Your Retirement (Part 2)

Getting The Taxman Out Of Your Retirement (Part 2)

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...

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Getting The Taxman Out Of Your Retirement (Part 1)

Getting The Taxman Out Of Your Retirement (Part 1)

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...

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