Time to get SMART about Taxes

This article was originally posted on Kiplinger   Tax planning 101: Take a close look at these six lines on your completed 2016 return. They could be clues to opportunities to save on your 2017 taxes. Now that tax season’s pretty much officially over, you’re probably happy to take your completed return and stuff it …Read More


Does Risk Matter?

Why does risk matter?  First, risk can be seen as the level of certainty, or uncertainty, that you will achieve a specific return over a period of time.  When moving toward retirement, common sense tells you that you should increase the level of predictability in your portfolio. Does higher risk equate to higher returns?  To …Read More


What About Inflation?

Thanks to an agreed upon inflation rate among central banks in the U.S. and other developed nations, it’s been a while since the effects of rampant inflation were felt. A rate of 2 percent is believed to be sufficient to keep the economy steady: Growth without enormous price increases.1 However, inflation is a bit like …Read More


Next 10 years could be ugly

If you haven’t seen it, this is an interesting article from Bloomberg talking about market expectations for the next 10 years. What will you do if the article is right?  This is not a SMART plan.   Stay tuned for a way to minimize taxes with a SMART plan. The Next 10 Years Will Be …Read More


New Healthcare

If there was one universal theme that helped the GOP take control of the 2016 elections it was the party’s commitment to repeal the Patient Protection and Affordable Care Act (ACA), commonly referred to as Obamacare. Now that they have settled into office, Republicans are grappling with the moving parts of health care reform and …Read More


Are you prepared for Incapacity?

Accidents happen. They’re sudden and generally unexpected. But at least people can wrap their minds around the fact that a change has occurred and subsequent decisions must be made, often by people not involved in the accident. Aging tends to work differently. It tiptoes up so you don’t even realize it’s happened. This makes planning …Read More


Risk’s of Today’s Retirees

The investment world is constantly changing thanks to advances in technology, big data, information transparency, the global economy and ever-fluctuating trends in consumer sentiment and populist politics. While investment risks may run rampant these days, it’s important to remember that risk is personal. To help guide your investment decisions, you should assess and prioritize what …Read More


Prepared for Retirement?

If you’re wondering how much of a Social Security payout you may receive, one number to keep in mind is 35. Your benefit is based on your 35 highest years of earnings. If you work less than 35 years, the calculation uses zero for your annual income in the years you’re short. Social Security benefits …Read More


Is this morally correct?

I know a lot of people have their accounts at major brokerage firms.  Something you may not know is that several of the “big firms” are getting paid extra by the mutual funds they sell.  It’s called Revenue Sharing. Take Edward Jones for example, last year 27% of Edward Jones profits were Revenue Sharing payments …Read More


Do your finances consist of more than just your money?

If you ask a bunch of people how they are doing financially, you’ll get a wide range of answers. Some will tell you they are doing great…that they made a 12% return last year. Others will tell you they are doing lousy…that they lost 12% last year. But do returns have anything to do with …Read More