The Best Time to Invest Was Yesterday: Timing the Market
By Oscar Casas, CFP®, CRPC®, MPAS®, ABFP℠ Trying to outperform the market with your investments might sound straightforward. Common intuition suggests that all you have to do is sell your stocks when economic conditions are down and reinvest when they go up. It appears to be a simple strategy, right? But the truth is that […]
When to Consolidate Old 401(k) Accounts
By Oscar Casas, CFP®, CRPC®, MPAS®, ABFP℠ How many different jobs have you had over the years? If you are anything like most Americans, the answer is probably quite a few. With multiple jobs comes the probability of multiple employee-sponsored retirement accounts in your name. The more of these accounts you have floating around, the […]
Paying Off Your Mortgage vs. Investing: Which Option Is Right for You?
By Henry Zupko, MBA, CFP® There are many rules and best practices when it comes to finances, but the most commonly held belief among experts is that you should earn more than you spend. If you follow that practice and have worked hard for decades to budget and save, you will likely end up with […]
Avoiding Financial Disaster in the First 10 Years of Retirement
By Henry Zupko, MBA, CFP® Retirement is an exciting time. In this brand-new chapter, your day-to-day life will look completely different. Although there are many benefits, there are some challenges that also come along with these golden years—the biggest one being that you leave behind the stability of a steady paycheck and a consistent schedule. […]
Will You Run Out of Money in Retirement?
By Oscar Casas, CFP®, CRPC®, MPAS®, ABFP℠ Outliving your income is a serious concern for many people. That’s why it is crucial to establish a carefully crafted retirement income plan—a plan that is adaptable to changing circumstances in your life and is not overly dependent on market returns or economic conditions. Is there a specific […]
Navigating Retirement: How Social Security Fits Into Your Financial Future
By Henry Zupko, MBA, CFP® As retirement approaches, you’re likely considering the Social Security piece of the puzzle. Amidst the wealth of information around retirement timelines, benefit utilization, and withdrawal strategies, it can be a lot to digest and comprehend. While you’re likely aware that you’ve contributed to the Social Security system and will eventually […]
The Biggest Financial Mistakes We See Pre-Retirees Make
By Oscar Casas, CFP®, CRPC®, MPAS®, ABFP℠ The years leading up to retirement are crucial for building the wealth to support your desired retirement life. As you get closer to retirement age, it’s important to review your finances to stay on track to meet your goals. As you check your finances, keep an eye out […]
Should You Use a Traditional or Roth IRA?
So you’ve left your old job behind and are now looking to roll your 401(k) account into an IRA. No more worrying about your former company having control over your hard-earned money—it’s time for you and your savings to thrive in greener pastures. But with this exciting decision comes an important question: which type of […]
Shield Your Retirement Savings Against Inflation With These Tips
Shield Your Retirement Savings Against Inflation With These Tips It’s no surprise that inflation is impacting our everyday lives. From buying groceries to filling up our gas tanks, everything is getting more and more expensive. A dollar today isn’t going to be worth the same as a dollar tomorrow. Not only does inflation impact our […]
We’re Here for Your Friends and Family This Holiday Season
We’re Here for Your Friends and Family This Holiday Season While the holidays are a time of joy, magic, and hope, for many it can also be a time of worry and stress. This time of year often brings a financial burden along with all the extra spending. During a “normal” year, this additional spending […]