News and Commentary

Why Invest in Stocks? by Shane Phillips, CFA, CAIA, CFP®

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Posted on February 20, 2025 by Shane Phillips

The decision to invest in stocks is one that individuals must take the time to consider carefully, weighing the risks and rewards in the context of their unique facts and circumstances. In general, stocks carry far greater risks than other investments, such as bonds and cash. Investors must contend with market volatility based on economic […]

What is Asset Diversification and Why is it Important? by Olga Ismail, AIF®

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Posted on February 04, 2025 by Olga Ismail

Asset diversification is an investment strategy designed to help investors minimize exposure to market volatility while attempting to maximize opportunities for high returns over the long term. While diversifying assets does not guarantee any investment objective will be met, spreading out investable dollars over a diverse mix of stocks, bonds, cash and other assets could […]

Maintaining the Power of your Power of Attorney By Brendan T. Hayes

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Posted on January 30, 2025 by Brendan Hayes

A power of attorney is a legal document in which you grant to someone else the authority to oversee your financial affairs and make prudent decisions on your behalf if and when you are unable to do so on your own.  Those decisions could be as mundane as paying household bills during a temporary period […]

A Fair Inheritance is in the Eye of the Beholder By Lee F. Hediger

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Posted on January 22, 2025 by Lee Hediger

Leaving behind a lasting legacy and providing for surviving family members in the event of an individual’s death or disability takes time, patience and consideration of a broad range of non-financial issues. While there are times when an unequal division of property among heirs is preferable, consideration should be given how surviving family members will […]

Age is More than A Number When Planning for Retirement By Sean Deviney, CFP®*

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Posted on January 14, 2025 by Sean Deviney

After years of diligent saving, you probably built a significant nest egg to afford a comfortable retirement, but that doesn’t mean you’re ready to put your feet up and coast through your golden years. Preparing for retirement requires having a plan in place to address your spending habits, rising healthcare costs, changing tax laws and […]

SECURE Act 2.0 Changes to Workplace Retirement Savings Plans in 2025 by Olga Ismail, AIF®

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Posted on January 08, 2025 by Olga Ismail
Olga Ismail, AIF® PWA Head of Retirement Plan Consulting and Financial Advisor Registered Representative of PWA Securities, LLC

Effective Jan. 1, 2025, employers must ensure their workplace retirement plans comply with the latest provisions of the SECURE Act 2.0, which aims to improve taxpayers’ retirement savings and the costs and complexities businesses incur administering those plans. Since the law’s enactment, employers of all sizes have gained expanded tax credits for establishing employee retirement […]

Relatable Finance Podcast Episode 161: Relatable Finance Podcast 161: How Long-Term Investors Can Benefit From Market Downturns

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Posted on December 24, 2024 by

Market downturns can be unsettling, but they also present opportunities for long-term investors. In this episode, the South Florida Finance Guys explore the contrasting mindsets of young investors who are steadily saving for the future and those nearing financial milestones, such as retirement. We also discuss key behavioral finance concepts that often mislead investors, hindering […]

Non-Qualified Deferred Compensation Plans Can Maximize Savings Opportunities for Highly Compensated Employees By Sean Deviney, CFP®*

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Posted on December 23, 2024 by Sean Deviney

Employer-sponsored retirement-savings plans, including 401(k)s and 403(bs), are critical for helping businesses attract and retain skilled employees. However, due to government regulations and annual contribution limits, these qualified plans restrict highly compensated employees’ savings opportunities and their ability to build enough wealth to maintain their standard of living in retirement. To bridge this savings shortfall […]

Retirement Savings Contribution Limits for 2025 by Olga Ismail, AIF®

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Posted on December 15, 2024 by Olga Ismail

The IRS released the retirement savings plan contribution limits for 2025, raising the cap on pre-tax contributions to employer-sponsored plans, including 401(k), 403(b) and certain 457 plans. For individual retirement plan contributions, the annual limits remain unchanged. Employer-Sponsored Retirement Plans Employees may contribute up to $23,500 via salary deferral to their workplace 401(k), 403(b) and […]

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

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Posted on December 03, 2024 by Scott Montgomery

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 […]

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