Is Financial Independence In Your Future?
One of my priorities over the last 30+ years has been to help people achieve financial independence. My goal is to assist people to get to the point where they know they will be able to accomplish the things...
Can Your Portfolio Withstand a Recession
Do you feel like the Fed is challenging your portfolio with the rapid interest rate increases? Considering that the bond aggregate is down by 12.4%, with a yield of only 1.98% year-to-date, it's not...
Beware of the Bear and How to Protect Yourself
It's official! We're in bear market territory with the S&P 500. And just in case you didn't know, we've also been in bear market territory with the NASDAQ for some time. In my opinion, there's a good...
The Housing Bubble and Your Retirement
It's no secret that the housing market has gone crazy. Prices are high, and inventory is low. If you're retiring, and you aren't planning on moving any time soon, you may be thinking that the market demand...
Is Your Portfolio Ready If the Dot-Com Bubble Reappears?
The last time we experienced a Bear Market was during the Great Depression. After that, it was during The Dot-Com Bubble. Despite being a young man in my financial career, I remember those periods clearly. I...
Secure Act 2.0 & the Death of the Stretch IRA
When a website tells you that your payment is "secure," do you ever get the temptation to hold on to your wallet a little tighter? In March of 2022, the House of Representatives passed the Secure Act 2.0...
Unique Social Security Questions Answered
Why can't I find my local Social Security office phone numbers online?Unfortunately, the SSA recently removed all local district phone numbers from the SSA website. You will need to call the 800# and wait on...
Medicare Q&A
When can I sign up for Medicare?Because Medicare eligibility begins when you turn 65, you have a window to apply the three months before your 65th birthday, your birthday month, and the three months after to...
Estate Planning Q & A
Do I need a trust? Can I just have a will?If your estate plan is to establish a will, or to take no action at all, you are giving your kids a possible lawsuit that allocates your assets. Every will has to be...