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Investments

Is Now the Time to Consider Insurance Products to Generate Guaranteed Income in Retirement? by Scott Montgomery, CLU, ChFC

Posted December 3, 2024

High interest rates and persistent inflation have raised red flags for many investors nearing or entering retirement. In this uncertain environment, soon-to-be retirees are increasingly turning to annuities to help diversify and protect their retirement savings while creating a steady and predictable income stream for all their remaining living years. Determining whether annuity products are […]

3 Considerations Before Making a Roth Conversion By Robert Mark Weiss, CFA

Posted November 13, 2024

Converting a traditional IRA to a Roth IRA can be a smart option for individuals seeking tax-free growth and the flexibility to take tax-free withdrawals in retirement or pass their savings to future generations free of federal income tax. However, employing this strategy contains significant financial implications that individuals must address and carefully plan for […]

Four Steps to Take Charge of Your Finances Now By Olga Ismail

Posted October 16, 2024

In our busy lives, it is not uncommon to put off for tomorrow the things we do not have time for today. This is especially true for things that make us uncomfortable or require significant time and effort to squeeze into our already hectic schedules. However, by sweeping these issues under the rug, you are […]

What Falling Interest Rates Can Mean to You by Shane Phillips, CFA, CAIA, CFP ®

Posted October 4, 2024

On Sept. 18, 2024, the Federal Reserve Bank (the Fed) reduced the target federal funds rate by half a percentage point to a range of 4.75 to 5 percent, marking the first rate cut since the start of the pandemic in March of 2020. The move, which follows 11 consecutive rate hikes between March 2022 […]

Understanding the Difference between Traditional IRAs and Roth IRAs By Brendan T. Hayes

Posted September 11, 2024

A Roth IRA is a unique retirement savings vehicle that allows eligible individuals to set aside money today for a potentially tax-free income stream in the future. Like a traditional IRA, a Roth arrangement allows individuals to make annual contributions of up to $7,000 in 2024, or $8,000 for savers age 50 and older. However, […]

Protect your Marriage from Financial Infidelity by Kathleen Marteney, CRPC

Posted August 29, 2024

If you think the only form of cheating in a marriage happens in the bedroom, you would be wrong. A growing number of marriages suffer the damaging effects of financial infidelity in which one spouse intentionally lies about or hides assets or other financial information from the other spouse.  Both are examples of betrayals that […]

No May Be a Good Time for a Roth Conversion of your Retirement Savings? By Lee F. Hediger

Posted August 15, 2024

Individual retirement accounts (IRAs) and 401(k)s serve an important purpose in estate planning, helping individuals begin saving during their prime earning years to provide a financially secure retirement in the future. Contributions to these plans today reduce your taxable income in the year of contribution and grow tax-deferred until you take distributions in retirement. However, […]

Joining an Independent Broker-Dealer Can Strengthen Financial Advisors’ Capabilities, Help to Improve Client Services by Eric Zeitlin

Posted July 31, 2024

Gone are the days when large, institutional banks and wirehouses were the only ones with pockets deep enough to arm financial advisors with the tools needed to attract and retain wealthy clients. Today, independent brokers/dealers and registered investment advisories associated with independent wealth management firms have access to a wide array of customizable strategies and […]

Managing Interest Rate Risk with Bond Ladders By Todd A. Moll, CFP®, CFA

Posted June 25, 2024

Bonds are an important component of diversified portfolios because they offer investors predictable returns and reliable cash flow without the volatility of the public equity markets. However, this is not to say that bonds are not subject to risks. They are, especially in times of rising interest rates. The good news is you can mitigate […]

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