Your retirement assets can be used for the following purposes: Liquidity - short term goals, upcoming emergencies Income gap - cover the income gap between your predictable income and expenses Protection - cover the risks that could derail your plan such as premature death or long term care event Growth - keep up with increases to your expenses due to inflation And the fifth purpose…..legacy...which we discuss today Did you know there is an “optimum” amount to allocate to … [Read more...]

The worst time to find out that you’re not truly diversified is after your portfolio takes an unexpected hit that it cannot recover from.  If another 2008 market comes around, are you prepared? Are you truly diversified?  In this video I talk about several ways that people who think they are diversified are mistaken and what you can do about it: Would you like a report to show if you are diversified?  If so, respond to this email with the words “X-Ray” in the subject line and we’ll … [Read more...]

If you are over the age of 70 1/2 and you give to charity, there may be a better way for you to get the taxed deduction that you deserve. In today's video we overview the Direct Charitable Contribution using the IRA which may result in a substantially higher income tax deduction then through the limitations of current tax law regarding itemized deductions: If you have any questions, please contact me. … [Read more...]

If you are over the age of 70 1/2 and you give to charity, there may be a better way for you to get the taxed deduction that you deserve. In today's video we overview the Direct Charitable Contribution using the IRA which may result in a substantially higher income tax deduction then through the limitations of current tax law regarding itemized deductions: [embedyt] https://www.youtube.com/watch?v=iPG58OtF92I&feature=youtu.be[/embedyt] … [Read more...]

In my experience of working with clients, I find that it is easy to use the wrong criteria to measure progress and the effectiveness of your strategies. If the wrong point of reference is used, clients can give up on strategies that they've taken much time to vent out and implement. … [Read more...]