All the things you need to know to help your financial future

The recent surge in inflation has sparked a new interest in I-bonds.  In fact, questions about I-bonds are just about the most common ones I get these days!  So, I thought it was time to explain more about the pros and cons of these particular investment vehicles. What are I-bonds? I-bonds are US government savings

It has been said that nothing is certain except death and taxes.  Perhaps we should add recessions to the list as well.  If history is our guide, then it is not a matter of if, but when the next recession will begin.  But is this something to fear, or is it something to accept as

Every investor knows that they are supposed to buy low and sell high.  Even a child who doesn’t have any experience with investing can typically understand this concept.  Then why is it that we tend to develop hysterical amnesia and forget this key principle when the market plummets? Emotions are a strong factor in our

Weather forecasting has greatly improved over the last 40 years – doppler radar, better projection models, tornado and hurricane warning systems – but it doesn’t always feel that way, right?  Even with all of the best technology available, it still seems like it will rain on a day that was supposed be sunny or you

In this last installment of a 3-part blog series on annuities, I will cover pros and cons of income annuities.  If you missed my primer on annuities or the pros and cons of accumulation annuities, you can find them here and here.  Today’s blog will focus on annuities for the purpose of providing lifetime income.

In part 1 of my 3-part series on annuities, I presented a high-level primer on the types of annuity options in the marketplace based on the purpose they serve (accumulation vs. income).  In this next installment, we will go deeper on accumulation annuities which are focused on growing your asset value until you need the

Annuities are a deep chasm of confusion for many people.  For one, they have been misused at times in our industry where the wrong people were sold the wrong annuity at the wrong time in their life.  And two, even when used correctly, there are so many varieties of annuities with so many different features

My last blog covered the new rules around inheriting investments as a spouse, per the SECURE Act of 2019.  Now we turn to non-spouse beneficiaries (e.g. children, siblings) and it gets even more complicated, particularly when it comes to inheriting IRA’s.  Note that there is typically no difference when it comes to inheriting non-retirement investments.