Saving for retirement is only half the equation. How you withdraw those savings can have a major impact on how long your money lasts and how much you ultimately pay in taxes. A thoughtful, tax-efficient withdrawal strategy, often called withdrawal sequencing, is designed to reduce your lifetime tax burden while supporting a steady income throughout [...]
Many people spend years preparing for retirement, but fewer take the time to plan for what comes after that initial transition. The truth is, your financial journey does not end when you retire! In fact, your seventies, eighties, and beyond may require just as much strategy and foresight as your working years. As life expectancy [...]
The Federal Reserve's aggressive rate hikes between 2022 and 2024, aimed at curbing inflation, provided investors with the benefit of higher yields on savings accounts and bonds. As a result, many have amassed significant cash reserves—totaling nearly $6.9 trillion as of early 2025. However, with potential rate cuts on the horizon this year, these high-yield [...]
Investment Commentary – November 30, 2021 Year to Date Market Indices as of November 30, 2021 • Dow 34,483 (12.67%) • S&P 4,567 (21.59%) • NASDAQ 15,537 (20.56%) • Barclay Bond Aggregate (-2.89%) • Fed Funds Rate 0-0.25 (0-0.25) • Annual Inflation Rate 5.4% (As of 10/13/21) South African doctor who first spotted the Covid [...]
Some people analyze every detail of their financial and personal lives down to the last detail, and have already established a firm date that they expect to retire. But those people are in the minority. For the rest of us, setting a retirement date feels like a complicated puzzle with quite a bit of emotion [...]
Investment Commentary –March 28th, 2017 Market Indices as of Market Close March 28th, 2017 Dow 20,701 (4.75% YTD) S&P 2,359 (5.37% YTD) NASDAQ 5,875 (9.14% YTD) Gold $1,244 (7.82%) OIL $48.34 US 10Y Treasury 2.421 (-0.39%) Barclay Bond Aggregate (0.89% YTD) Closing Bell: Apple at Record High; Dow Snaps Eight-Session Losing Streak as Financials Rise [...]
For Mark Roberts' Use: When you purchased your car, you probably researched gas mileage, safety ratings, and special features. You compared one vehicle to another, and chose the best value for your money. Then, you asked for insurance quotes from several different providers, and selected a policy that offered the best protection. You perform regular [...]
For Mark Roberts' Use: As tax season gets underway, you're probably looking for every deduction and credit that could possibly help you lower your tax liability. But be careful when you file your return, or later in the year you could receive the bad news that you're being audited by the IRS. Nothing is guaranteed, [...]
Investment Commentary – September 9th, 2015 Dow 16,254 (-8.281% YTD) S&P 500 1,942 (-5.68% YTD) NASDAQ 4,757 (0.43% YTD) Global Dow 2,336 (52 week low 2,263/high 2,644) 10-year Treasury (52 week low 1.64/high 2.66) Gold $1,106 (52 week low $1,074/high $1,310) Oil $44.33 (52 week low $37.75/high $90.76) “U.S. stocks end sharply lower on specter [...]