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Investments

Understanding the Difference between Traditional IRAs and Roth IRAs By Brendan T. Hayes

Posted September 11, 2024

A Roth IRA is a unique retirement savings vehicle that allows eligible individuals to set aside money today for a potentially tax-free income stream in the future. Like a traditional IRA, a Roth arrangement allows individuals to make annual contributions of up to $7,000 in 2024, or $8,000 for savers age 50 and older. However, […]

Protect your Marriage from Financial Infidelity by Kathleen Marteney, CRPC

Posted August 29, 2024

If you think the only form of cheating in a marriage happens in the bedroom, you would be wrong. A growing number of marriages suffer the damaging effects of financial infidelity in which one spouse intentionally lies about or hides assets or other financial information from the other spouse.  Both are examples of betrayals that […]

No May Be a Good Time for a Roth Conversion of your Retirement Savings? By Lee F. Hediger

Posted August 15, 2024

Individual retirement accounts (IRAs) and 401(k)s serve an important purpose in estate planning, helping individuals begin saving during their prime earning years to provide a financially secure retirement in the future. Contributions to these plans today reduce your taxable income in the year of contribution and grow tax-deferred until you take distributions in retirement. However, […]

Joining an Independent Broker-Dealer Can Strengthen Financial Advisors’ Capabilities, Help to Improve Client Services by Eric Zeitlin

Posted July 31, 2024

Gone are the days when large, institutional banks and wirehouses were the only ones with pockets deep enough to arm financial advisors with the tools needed to attract and retain wealthy clients. Today, independent brokers/dealers and registered investment advisories associated with independent wealth management firms have access to a wide array of customizable strategies and […]

Managing Interest Rate Risk with Bond Ladders By Todd A. Moll, CFP®, CFA

Posted June 25, 2024

Bonds are an important component of diversified portfolios because they offer investors predictable returns and reliable cash flow without the volatility of the public equity markets. However, this is not to say that bonds are not subject to risks. They are, especially in times of rising interest rates. The good news is you can mitigate […]

4 Savings Strategies for Recent College Grads By Brendan T. Hayes

Posted May 14, 2024

As college graduates embark on their professional careers, they should consider the following savings strategies to help prepare them for a sound financial future. Like most things in life, the earlier you start planning, the more likely you will achieve your goals. Employer-Sponsored Savings Plans While retirement may seem like a long way off for […]

Why Invest in Stocks? by Shane Phillips, CFA, CAIA, CFP ®

Posted April 11, 2024

The decision to invest in stocks is one that individuals must take the time to consider carefully, weighing the risks and rewards in the context of their unique facts and circumstances. In general, stocks carry far greater risks than other investments, such as bonds and cash. Investors must contend with market volatility based on economic […]

7 Smart Money Moves to Maximize Year-End Bonuses by Kathleen Marteney, CRPC

Posted February 20, 2024

If you received a year-end bonus, congratulations! As gratifying as it may be to splurge on something you can enjoy immediately, you may want to take a few moments to consider how you can maximize those dollars for the long term. Following are seven smart money moves to help you use a windfall of money […]

Active or Passive? Is there a correct answer? By Shane Phillips, CFA, CAIA, CFP®

Posted February 15, 2024

Ever since the creation of the first investable index fund in 1975, investors have debated whether it is better to invest in actively or passively managed investments. Is one superior to the other? Not necessarily. Should you utilize one over the other? Probably not. With passively managed investments, your money is automatically put into securities […]

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