Retirement Planning 6/6

AMERICAN SAVING RATES BY AGE: BEN & ARTHUR

Whitaker Myers

Apr 26, 20224 min read

AMERICAN SAVING RATES BY AGE: BEN & ARTHUR

Americans are not saving enough! Based on the latest statistics from a large national investment company, Americans savings are far below...

FINANCIAL PLANNING: IMPORTANT REGARDLESS OF BABY STEP

John-Mark Young

Apr 6, 20225 min read

Financial Coaching

FINANCIAL PLANNING: IMPORTANT REGARDLESS OF BABY STEP

There are so many cliches I could start out with, when thinking about writing this article. Would you ever sail the Atlantic without a...

Whitaker Myers

Apr 6, 20223 min read

Financial Coaching

APRIL 1ST IS 401(K) DAY!

Did you know that April 1st is 401(k) day? Okay, maybe 401(k) day isn't a real holiday but it might serve as the motivation you have been...

REBALANCING & RECENCY BIAS - SIMPLE CASE STUDIES

Griffin Lusk

Apr 1, 20225 min read

Financial Coaching

REBALANCING & RECENCY BIAS - SIMPLE CASE STUDIES

If you are a fan of Dave Ramsey, you are likely aware with the concept of spreading out risk with long-term retirement investing by...

AON HEWITT STUDY: 401(K) PARTICIPANTS RECEIVING HELP IMPROVED PERFORMANCE BY 3.32%

John-Mark Young

Mar 27, 20227 min read

Retirement Planning

AON HEWITT STUDY: 401(K) PARTICIPANTS RECEIVING HELP IMPROVED PERFORMANCE BY 3.32%

The year was 2005 and I was purchasing my first home. It was a small modest ranch with three bedrooms, 1 bathroom and an attached one car...

Whitaker Myers

Mar 25, 20224 min read

Financial Coaching

NUMBER ONE INDICATOR OF WEALTH

Before we answer this question, ponder to yourself what you think the number one indictor would be for building wealth and having a...

Whitaker Myers

Mar 15, 20225 min read

Financial Coaching

TERM VS. WHOLE LIFE INSURANCE

Acquiring life insurance is one of the most important considerations a person can do to protect their loved ones after death. Two of the...

TARGET DATE MUTUAL FUND WITHDRAWAL STRATEGY ISSUES FOR THE RETIREE OR PRE-RETIREE

Griffin Lusk

Mar 9, 20224 min read

Financial Coaching

TARGET DATE MUTUAL FUND WITHDRAWAL STRATEGY ISSUES FOR THE RETIREE OR PRE-RETIREE

I would like to start off with a basic introduction to retirement-based target date and lifecycle mutual funds: Larger mutual fund...

MY SPOUSE DOESN'T WORK? HOW DO I SAVE FOR THEIR RETIREMENT?

Kelly Kranstuber

Mar 9, 20222 min read

Financial Coaching

MY SPOUSE DOESN'T WORK? HOW DO I SAVE FOR THEIR RETIREMENT?

This is a great question that I get quite often. Many married couples have one income earner in the family and in many circumstances,...

TAX REDUCTION IN RETIREMENT - QUALIFIED CHARITABLE DISTRIBUTION (QCD)

John-Mark Young

Feb 6, 20224 min read

Retirement Planning

TAX REDUCTION IN RETIREMENT - QUALIFIED CHARITABLE DISTRIBUTION (QCD)

I’m not sure if there is an actual definition of success tax, however if I were to locate one, it might state that the Required Minimum...

John-Mark Young

Feb 6, 20224 min read

Financial Coaching

TAX REDUCTION IN RETIREMENT - QUALIFIED CHARITABLE DISTRIBUTION (QCD)

I’m not sure if there is an actual definition of success tax, however if I were to locate one, it might state that the Required Minimum...

ROTH VS. PRE-TAX (TRADITIONAL) RETIREMENT CONTRIBUTIONS FOR THE 60+ CROWD

John-Mark Young

Dec 13, 20214 min read

Financial Coaching

ROTH VS. PRE-TAX (TRADITIONAL) RETIREMENT CONTRIBUTIONS FOR THE 60+ CROWD

Who remembers their senior year of high school? You’ve completed at least 12 years of school already, perhaps even more with pre-school,...

Griffin Lusk

Aug 23, 20212 min read

Financial Coaching

MAXING OUT A 401(K) PLAN TOO EARLY

Disclosure: This article will most likely apply to high-income earners or those that are financially healthy and extremely aggressive...

A LITTLE-KNOWN TRICK TO TURBO CHARGE YOUR ROTH CONTRIBUTIONS

John-Mark Young

Jul 12, 20214 min read

Financial Coaching

A LITTLE-KNOWN TRICK TO TURBO CHARGE YOUR ROTH CONTRIBUTIONS

In 1989, Senator Bob Packwood of Oregon, and Senator William Roth of Delaware, proposed the idea of what they termed at the time, the...

John-Mark Young

May 17, 20213 min read

Financial Coaching

ROTH CONVERSIONS - IDEAS TO CONSIDER

An all to common scenario in our office is, Client A walks in, has done an excellent job of saving money, presumably enough money to...

OPERS MEMBERS - YOU HAVE 3 RETIREMENT PLAN OPTIONS

Whitaker Myers

Jul 21, 20205 min read

Retirement Planning

OPERS MEMBERS - YOU HAVE 3 RETIREMENT PLAN OPTIONS

If you are an OPERS employee, you may or may not already know that you have a choice in the type of retirement plan that you participate...

YOUR 401(K) COULD HAVE MORE OPTIONS THAN YOU THINK

Whitaker Myers

Jun 18, 20203 min read

Retirement Planning

YOUR 401(K) COULD HAVE MORE OPTIONS THAN YOU THINK

For many Americans, a large part of your retirement net worth is contained within your company 401(k) plan. Employer’s encourage this...

Whitaker Myers

Apr 21, 20204 min read

Retirement Planning

CARES ACT: RETIREMENT PLAN CHANGES

The COVID-19 virus has changed our lives, at least for the short run, in impactful ways. As financial advisors, none more pressing than...

Whitaker Myers

Dec 26, 20193 min read

Retirement Planning

WHAT IS A ROTH IRA?

As one of Dave Ramsey’s Smartvestor Pros, it is common for us to meet clients who have heard Dave talk about using a Roth IRA to save for...

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