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Saving, Investing & Retiring

What is a Bear Market? (Q & A)

Posted in Saving, Investing & Retiring on May 29, 2020

Perhaps most of us expect the stock market to be somewhat volatile, moving up and down based on a number of economic factors. But what happens when the market takes a plunge? Here's a short Q & A to help us better understand a Bear Market.


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COVID-19 and your finances. What should I do now?

Posted in Saving, Investing & Retiring on April 3, 2020

Just as we were in the midst of a somewhat robust economy and what many call a Bull Market, COVID-19 came to town, and what started as a threat to our health, has also wreaked havoc on our personal finances and our national economy.

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Changes are coming to your Thrift Savings Plan Here's what you need to know

Posted in Saving, Investing & Retiring on July 25, 2019

You’ll soon have more options with your Thrift Savings Plan (TSP) account. Whether you’re counting down the days to retirement or plan to work for several more years, it’s important to know you’ll have flexibility when you need your money.


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The right time to retire isn’t always obvious And sometimes you have to bridge an income gap

Posted in Saving, Investing & Retiring on May 31, 2019

The majority of us will at some point face the question of when it’s time to retire. And while the question seems like a simple one, oftentimes the answer is not so easy. And then there are times when the decision is made for you and you end up having to retire early with an unplanned income gap in your retirement. 

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Some investments can be risky and a volatile economy can add to that risk

Posted in Saving, Investing & Retiring on May 22, 2019

Here’s how you can add risk control in an uncertain economy

When you’re talking about investing, oftentimes there’s an element of risk, and when you add a volatile economy, the risk can increase. Risk management is key when it comes to making decisions in your investment portfolio.

Let’s look at some key factors when it comes to understanding risk control.

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Rolling Over Funds from an Employer Retirement Savings Plan: What You Need to Know

Posted in Saving, Investing & Retiring on December 31, 2018

Why consider a rollover?
When you roll over a distribution from a 401(k), 403(b), or governmental 457(b) plan, you generally don't pay any taxes until you receive a distribution from the new plan or IRA. If you take a distribution but don't roll it over, it will be subject to federal (and possibly state) income taxes (except for any after-tax contributions you've made); and if you haven't yet reached age 59½, you may also be subject to a 10% early distribution penalty tax unless you're eligible for an exception.1 If you take a cash distribution, you're also foregoing any further tax-advantaged growth; and if you spend the funds, you may not have sufficient assets to last throughout retirement.

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