White Paper – Non-Stock Market Income Generating Alternatives

Introduction to the Universe of Non-Stock Market Income Generating Alternatives There are three basic categories of investments: conservative, moderate and aggressive. Aggressive instruments are those primarily invested in for growth. As the chart shows, they include things such as common stock, stock mutual funds, speculative real estate and commodities. Again,...

White Paper – Are Your Allocations Right for Social Security?

Are Your Allocations Right For Social Security Nothing exists in a vacuum, meaning that even if you’ve determined the best time and method of taking your Social Security benefits based on your age, objectives and lifelong earnings, it won’t matter unless you properly coordinate your benefits with...

White Paper – Understanding Social Security Benefits

Understanding Social Security Benefits Before you can retire, you should know what all of your sources of income are going to be, and how much you can expect to receive from each. Social Security benefits will, obviously, be one of those sources, but how...

White Paper – Are Your Allocations Right for RMDs?

Are Your Allocations Right For RMDs Making sure your IRAs are allocated properly for required minimum distributions (RMDs) once you reach the age at which you must take them is as simple as following a bit of advice your parents probably used to tell you: live...

White Paper – Understanding Required Minimum Distributions

Understanding Required Minimum Distributions The idea behind required minimum distributions, or RMDs, is that the government wants to give us a tax incentive to save for retirement – but they also want to make sure we don’t misuse it. So, if we're in the...

White Paper – Market Math Made Simple

Market Math Made Simple Have you ever bought a pair of pants for your child or grandchild that were too big? It’s a common occurrence, and when it happens you basically have two options: One, you can throw the pants in the wash and...

White Paper – The Hard Lessons of Stock Market History

The Hard Lessons of the Stock Market History If you’re like most people, you believe there’s a great deal of truth in the old adage that history tends to repeat itself more often than not. That’s an important adage to keep in mind when it comes to saving...

White Paper – The Importance of Strong Financial Defense

The Importance of Strong Financial Defense The great Alabama coach “Bear” Bryant once said, “Defense wins championships,” and you can bet every great coach in every sport has shared that same philosophy. Just think about some of the great sports dynasties, teams that won championships year...

So You’re Retired – Now What?

Most qualified retirement plans offer significant tax benefits - if you're willing to follow a few IRS-specified rules, that is. The federal government wants to make plans such as 401(k)s, Keoghs, SEP-IRAs and traditional IRAs available for specific needs, and...

How Social Security Works

The Social Security program was signed into law in 1935 after the nation had endured more than a half-decade of the Great Depression. It was intended to provide a safety net of income for individuals too old or disabled to...