Inflation risk is back in vogue among market commentators these days, thanks to the uncertainty surrounding the future path of the COVID-19 pandemic and the subsequent economic recovery. Some pundits worry about the 70% increase in the Federal Reserve’s balance sheet since March of last year, while others are more concerned that the U.S. budget deficit tripled in 2020, to $3.3 trillion. If the economy recovers strongly, the theory goes that all of this cheap money floating around could ... [Continue Reading]
Articles and resources related to Retirement Planning.
Charitable remainder trusts (CRTs) can create wonderful opportunities for charities, while providing significant benefits to donors and their families. In addition to allowing donors the opportunity to have a substantial impact on a cause they care about, CRTs provide the ability to positively impact an investment portfolio and cash flow while reducing taxes. In fact, with recent tax law changes, a CRT can be used to stretch out the tax deferral of retirement accounts for heirs. A key ... [Continue Reading]
With many employer-based retirement plans (i.e. 401(k) or 403(b) plans) now offering a choice between making contributions into a Roth or a Traditional option, a conversation we frequently have with clients centers on the difference between contributing to one versus the other. As with most financial and tax planning questions, the answer depends a great deal on your personal situation, but there are several factors that are generally the most important to consider in deciding if a Roth is a ... [Continue Reading]
As we move quickly along into a new year and embrace the opportunity of fresh starts, we often experience feelings of hope, inspiration, and anticipation. A new year is a natural time to pause and evaluate what has gone well in the past and what we want to improve in the future. We set goals, make resolutions, and envision the future we want to create. Many individuals have goals relating to their finances. For some this may be to save for a large purchase or trip. For others this may be to save ... [Continue Reading]
Co-Authored by Katy Vermeer Retirement planning involves a multi-faceted analysis that requires a combination of data gathering, quantitative and qualitative analysis, and discernment. It is an on-going process that offers peace of mind to our clients as their life goals evolve. As people approach their retirement years the number one question advisors are often asked is, “Do I have enough?” While the internet offers a host of formulas, calculators, and rules of thumb to answer this ... [Continue Reading]