Financial Planning
Help! I Can’t Make Roth IRA Contributions Anymore
Help! I Can’t Make Roth IRA Contributions Anymore Have you noticed that you can’t make direct Roth IRA contributions once your income gets too high? Whether you are filing taxes as Single or Married Filing Jointly there are “Income Limits” for who can contribute to a Roth IRA. Roth 401(k) Has No Income Limits However,…
Read MoreTimely Economic Perspectives
Timely Economic Perspectives Recently the Wall Street Journal ran with a headline about “Quadruple Threats”1 to the economy. Not to be outdone, on the same day, Marketwatch.com posted an image highlighting five current threats to the economy. These threats are made to be, and can be, concerning. I break down the threats below to help…
Read MoreAdvisor Says You Cannot Retire?
Advisor says you cannot retire? Do you currently work with a financial advisor? What do you do when your financial advisor says you cannot retire? Just keep working? Have they told you to NOT RETIRE but just keep on working? Learn the key questions your Financial Advisor should be asking you before they provide a…
Read MoreABC’s of Successful Investing
ABC’s of Successful Investing As the kids have gone back to school, it is a good time to review the ABCs of successful investing. A – Adjust Your Expectations Expect that stock market selloffs, which are normal, will occur quite regularly – it’s just the nature of beast. But historically the losses have been temporary.…
Read MoreThe Retirement Planning Gem
The Retirement Planning Gem Have you heard of the Health Savings Account (HSA)? Or as I like to call it, the retirement planning gem. This is NOT the Flex Savings Account (FSA) that is use it or lose it! The use it or KEEP it account! This is the use it or KEEP it account…
Read MoreTiming the Market
Timing the Market Why is it that many investors feel the urge to time the stock market? Consider the following… Since 1950, stocks have been in a bull market 83% of the time – despite all the crises and declines.1 You would think investors would be happy with that kind of result. But that isn’t…
Read MoreThe Magnificence of Diversification
The Magnificence of Diversification Diversification is often defined as “Don’t put all your eggs in one basket.” It’s something we do to reduce volatility and manage risk. But there is another reason to diversify. We diversify in an attempt to increase the return on our investments. Diversification provides opportunity for investors to both reduce risk…
Read MoreThe Virtue of Slowing Down
The Virtue of Slowing Down Time is an interesting dimension. It is a fixed measurement, yet our perception of time varies greatly depending on what we are doing. It has been said that the longest eight seconds in life is riding a bull. I never rode a bull and have no interest in testing that…
Read MoreHow to Make Money In Stocks
How to Make Money In Stocks This is how you make money in stocks! Hint: It actually starts with cash. 🙂 Cash is the Key Learn how holding cash enables you to make higher stock market returns over time. Thank You Thank you for watching and I hope you have a blessed day! – Kaleb…
Read MoreThe Advantages of Low Expectations
The Advantages of Low Expectations We all want desirable outcomes – those outcomes that bring us happiness, peace, and prosperity. Because we desire such outcomes, we may go into situations having high expectations. But it may be more beneficial to temper our expectations if we want to experience greater contentment in life. Disappointment & Contentment…
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