Personal Finance

Are you saving enough for retirement?  Do you have your assets where they need to be to optimize taxes and potential returns?  These are just some of the questions I am sure people ask themselves [...]

The next six blogs will cover the basic steps involved in creating a financial plan.  Instead of creating a long single blog entry I have decided to break this topic up into six manageable blogs [...]

Are you planning your retirement?  Will you be retiring in the next 20 to 30 years?  If you are indeed planning your retirement and it will be in the 20 to 30 year time frame there are some [...]

Do you track your investments?  Are you diversified?  Are you too diversified?  These are some of the questions we must ask ourselves when we are investing in 401(k) accounts, brokerage accounts, [...]

Are you a federal employee or a uniformed service member?  If you answered yes do you participate in the Thrift Savings Plan (TSP)?  I have recently written an eBooklet on the TSP that is [...]

Are all index funds the same?  That depends on the index and how they measure it.  While most indexed mutual funds and ETFs are weighted based on the company’s market capitalization.  In this [...]

Do you have permanent life insurance and normally give to charity?  Are you in a position where you may not need the proceeds of a life insurance policy?  If so you may consider donating your [...]

Are you nearing retirement?  Do you have a lot of debt going into retirement?  There are some steps you can take to make sure your retirement is one that is debt free.  That is the best way to [...]

Are you at the age where retirement is a real possibility?  Are you looking at the size of your retirement accounts and figuring you are all set?  If you are going to retire in the next few years [...]

Do you contribute to an IRA on an annual basis?  When in the year do you contribute?  Are you one to make your contribution early in January or do you wait until closer to the tax and [...]