Podcast

What is a Fixed Annuity?

What is a Fixed Annuity? A fixed annuity is an insurance product designed to provide investors with principal protection, a fixed rate of interest, and tax-deferred growth. It is most appropriate for investors aged 59 ½ or more, due to the fact that a 10% IRS penalty may apply to growth that is “cashed out”…

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What’s the Difference Between a Roth IRA and a Traditional IRA?

An individual retirement arrangement (IRA) is a personal savings plan that offers specific tax benefits. IRAs are one of the most powerful retirement savings tools available to you. Even if you’re contributing to a 401(k) or other plan at work, you might also consider investing in an IRA. What types of IRAs are available? The…

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What is a 401(k)?

A 401(k) plan is a retirement savings plan that is sponsored by an employer. It has grown quite popular in the United States, with over 100 million participants (Source: U.S. Department of Labor). A 401(k) plan offers significant tax benefits while helping you plan for the future. You contribute to the plan via payroll deduction,…

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What’s the Difference Between Term Insurance and Whole Life Insurance?

Life insurance is an agreement between you (the policy owner) and an insurer. Under the terms of a life insurance policy, the insurer promises to pay a certain sum to a person you choose (your beneficiary) upon your death, in exchange for your premium payments. Proper life insurance coverage should provide you with peace of…

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Market News: Trump, the Tariff Man

Trade tensions have interrupted an unusually calm year in U.S. stocks. In May, the S&P 500 Index fell from an April 30 record high as the United States and China failed to reach a trade deal and escalated tariff tensions. The United States also proposed new tariffs on Mexico, further complicating the outlook for trade.…

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September 2018 Economic Update

In this month’s blog, I’ll discuss some of the major headlines that influenced markets in August. I will also provide insight into what these developments could mean for you as an investor. U.S. stocks celebrated a major milestone in August. On the 22nd, our current bull market officially became the longest in U.S. history. At…

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Are You Smarter than a 6th Grader?

I recently had the opportunity to teach one class of my daughter’s 6th grade math class. Wesleyan School was kind enough to invite parents who wanted to bring “real world” math usage and share it with 6th graders. I chose the concept of the “Rule of 72.” What is the Rule of 72? Albert Einstein…

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Martha’s Investment Income

Today, I was referred to talk with a client’s mother. As they say in the movies, to “protect the innocent,” we will give her a fictitious name. Let’s call her Martha. Martha is 80 years old. She has been a widow for over 30 years and lives by herself in the same home she and…

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