News and Commentary

Is Now the Time to Consider Insurance Products to Generate Guaranteed Income in Retirement? by Scott Montgomery, CLU, ChFC

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Posted on December 03, 2024 by Scott Montgomery

High interest rates and persistent inflation have raised red flags for many investors nearing or entering retirement. In this uncertain environment, soon-to-be retirees are increasingly turning to annuities to help diversify and protect their retirement savings while creating a steady and predictable income stream for all their remaining living years. Determining whether annuity products are […]

Rethinking Inherited IRAs After the SECURE Act by Lee F. Hediger

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Posted on November 28, 2024 by Lee Hediger

The SECURE Act’s elimination of stretch IRAs poses a challenge to many high-net-worth account owners who had hoped to pass their savings to the next generation and allow inheritances to continue growing tax-free over beneficiaries’ lifetimes. Under the law, non-spouse IRA beneficiaries must withdraw the entirety of inherited IRA accounts within 10 years of the […]

Relatable Finance Podcast Episode 159: Navigating the Shift to a Clean, Modern Energy Grid

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Posted on November 26, 2024 by

In today’s episode, the South Florida Finance Guys explore the dynamic forces that are transforming the future of our energy grid. As AI continues to evolve and the demand for clean energy grows, utilities and energy providers are compelled to rethink the technologies that sustain our modern way of life. Tune in to understand how […]

3 Considerations Before Making a Roth Conversion By Robert Mark Weiss, CFA

Posted on November 13, 2024 by

Converting a traditional IRA to a Roth IRA can be a smart option for individuals seeking tax-free growth and the flexibility to take tax-free withdrawals in retirement or pass their savings to future generations free of federal income tax. However, employing this strategy contains significant financial implications that individuals must address and carefully plan for […]

Relatable Finance Podcast 158: Sequence of Return Risk: Are You Prepared?

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Posted on November 12, 2024 by

In this episode, the South Florida Finance Guys discuss the sequence of returns risk, a lesser-known but significant financial concept that can have a profound impact on retirees and anyone making large investments, such as a housing down payment. Sequence of returns risk refers to the order in which investment returns occur and how that […]

Helping Aging Parents Decide to Stay in Homes or Move Out by Brendan T. Hayes

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Posted on November 04, 2024 by Brendan Hayes

A harsh reality of getting older is the potential that physical and mental limitations can impact individuals’ quality of life and their ability to continue living independently. When individuals fail to plan for these possibilities, decision-making may fall to their adult children, who may not grasp their parents’ emotional ties to a family home or […]

Relatable Finance Podcast 157: Exploring Private Equity

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Posted on October 29, 2024 by

Private equity has experienced significant growth in recent years, but what exactly sets this asset class apart? In this episode, the South Florida Finance Guys explore the history of private equity, its unique structure, and the factors driving its recent surge in popularity. Whether you’re an investor looking to diversify or someone curious about the […]

Four Steps to Take Charge of Your Finances Now By Olga Ismail

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Posted on October 16, 2024 by Olga Ismail

In our busy lives, it is not uncommon to put off for tomorrow the things we do not have time for today. This is especially true for things that make us uncomfortable or require significant time and effort to squeeze into our already hectic schedules. However, by sweeping these issues under the rug, you are […]

Relatable Finance Podcast Episode 156: Navigating Real Estate Investing: Key Factors Impacting Today’s Market

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Posted on October 15, 2024 by

Investing in real estate can be a complex endeavor, with numerous factors influencing market conditions and investment decisions. In this episode, the South Florida Finance Guys break down the most important considerations for real estate investors, offering insights into how current trends and economic factors are shaping the market. Subscribe to our podcast to stay […]

401(k) Plan Sponsors’ Nondiscriminatory Testing Responsibilities By Sean Deviney, CFP®*

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Posted on October 02, 2024 by Sean Deviney

Employers sponsoring non-safe harbor 401(k) plans must perform annual ERISA- and IRS-mandated testing to ensure they do not disproportionately favor highly compensated employees (HCEs) over rank-and-file non-HCEs. It is critical businesses understand the formulas for these nondiscriminatory tests and the steps they must take to fix a failure or risk losing their plans’ tax benefits. […]

Steps Required to Settle an Estate By Scott Montgomery, CLU, ChFC

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Posted on September 26, 2024 by Scott Montgomery

When people die, the settling of their estates and the closing of their financial affairs begin. The entire process can be overwhelmingly stressful for grieving family members and quite time-consuming, depending on the size of the decedent’s estate and the plans put in place before their passing. Following are five critical steps surviving spouses and […]

Relatable Finance Podcast Episode 155: Rate Cuts are Here!

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Posted on September 24, 2024 by

In this episode, the South Florida Finance Guys talk about the Fed’s rate-cutting program, exploring its potential impact on the economy, stock market, and bonds. Whether you’re an investor, an economist, or simply curious about monetary policy, this discussion offers valuable insights into how interest rate changes can shape financial markets and the broader economy. […]

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