Articles and Videos

Investing and Personal Finance

Investing: Is It Sometimes Better to Do Nothing?

August 12, 2022

Introduction If you’re like most investors, you’ve probably been hit pretty hard here in 2022. As of mid-July, the S&P 500 index was down almost 19%… this, after having gained almost 27% and hitting all-time highs just the year before. The turnaround was sharp, as investors started heading for the hills toward what they thought… View Article

Managing Your Financial Future

Why Your Portfolio Withdrawal Strategy Matters – Episode 105

August 3, 2022

A lot of people’s attention is focused on building a nest egg: which investment strategies you should use in order to achieve a good rate of return. But surprisingly little notice is given to how you should extract that money at retirement. And this may be the more important aspect. No matter how much money you accumulate over your lifetime, if you’re careless with how it’s eventually spent, it could be gone well before your time is up. So how do you potentially make your money last at least as long as you do? Learn what you need to know about portfolio withdrawal strategies — like Buckets

Managing Your Financial Future

Inflation, Market Volatility and More with Advisor Jonathan Savona, CFP® – Episode 104

July 26, 2022

Are people in a panic about inflation and stock market volatility? Listen to this episode of Managing Your Financial Future with guest Jonathan Savona.

Managing Your Financial Future

Interest Rates, Markets, and More with Advisor Terry Keyes, ChFC® – Episode 103

July 19, 2022

Are people really concerned about interest rates, inflation, and a volatile stock market or are they able to ignore all the noise and just focus on living their lives? You may (or may not) be surprised to learn that those with a financial plan, a strategy that aims to deal with those issues, are far less worried about the future.

Investing and Personal Finance

Managing Sequence of Returns Risk in a Down Market

July 14, 2022

If your portfolio is down in value, taking money from that declining portfolio is a risky move that can have dire consequences. That risk has a name: it’s called Sequence of Returns.

Managing Your Financial Future

How To Pay No Federal Taxes on $100,000 of Income – Episode 102

July 12, 2022

Is it really possible to take a six-figure income and pay no federal taxes? Depending on your income sources, and how you use the tax brackets, it is indeed possible. What it all comes down to is knowing how the tax brackets work, and knowing what income is taxed at what rate. The bigger picture… View Article

Investing and Personal Finance

What the Fed’s Rate Increase Means to You

July 7, 2022

On June 15, 2022 the Fed’s policy-making committee announced a 75-basis point rate increase, the largest one-time hike since 1994. Here’s what the Fed move could mean for you.

Managing Your Financial Future

Roth, IRA, or Personal Money: Which Should You Spend First? – Episode 101

July 5, 2022

It’s not uncommon for people to reach their retirement years with money socked away in different types of accounts: a 401(k) from work, some personal money in a brokerage account, and maybe some Roth IRAs, to name a few. Once you reach the stage of life where that money needs to be withdrawn, the important… View Article

Managing Your Financial Future

Is There a “Safe” Amount I Can Withdraw From My Portfolio?- Episode 100

June 28, 2022

You’ve saved a certain amount to live from during retirement, maybe many years.  This is your nest egg.  But you’re concerned, because the markets are down, the balance has dropped, and since you don’t know how long you’ll live, you have no clue how much is “too much” to withdraw each month. Retirees face this… View Article

Managing Your Financial Future

Why You Need to Manage Risk- Episode 99

June 21, 2022

In the world of investing, there are things you can control, and things you cannot.  Where is the stock market headed?  Which way are the economic trends going?  These are the uncontrollable aspects, impossible to predict with accuracy. Because of this, we have to assume that certain risks will occur along the way.  And while… View Article

Managing Your Financial Future

Do We Need to Worry about This Volatile Stock Market?- Episode 98

June 14, 2022

The first half of 2022 has not been good to stocks.  After hitting record highs at the end of 2021, it’s easy to forget that stocks also go down in value from time to time.  And often, when they go down, they do so quickly and painfully. One question that’s always on people’s minds when… View Article

Managing Your Financial Future

How to Choose the Most Suitable Pension and Annuity Options- Episode 97

June 7, 2022

In last week’s episode, we discussed the various ways that a guaranteed income stream can work; specifically, how annuities function in general. We received a lot of response to that topic, and more than a few questions as well. When deciding when and how to take your annuity or pension payments, your options can seem… View Article