The Secure Act’s impact on your retirement plan

Published in the Bradenton Herald 12/30/19 Just in time for Christmas, HR 1865 SECURE Act was passed on December 20, 2019. There are 29 separate provisions contained in the Act, “Setting Every Community Up for Retirement Enhancement”. Many of the provisions impact retirement plans such as 401ks and 403bs, but today I’m just going to […]

Join Us in the Classroom

State College of Florida, Manatee-Sarasota (SCF) kicks off its “Parrish After Dark” professional and personal development courses in January at convenient locations in Parrish. Topics covered in the courses will include leadership, professional development, computer classes and foreign languages. The class offerings were selected by SCF after consultation with the Parrish Civic Association, the Parrish […]

Equifax Data Breach

The Federal Trade Commission reached a settlement with Equifax over the data breach that occurred back in July of 2017. The deadline to submit a claim is January 22nd, 2020. You might recall that Equifax, one of the big three credit reporting bureaus, disclosed that a data breach it discovered on July 29, 2017. The […]

The Unique risks and role of women in financial planning

As seen in the Bradenton Herald November 12, 2019As I sat down to write this column, I intended to discuss some of the unique characteristics of planning for women. The common issue for couples is that at some point one person will need to manage things on his or her own. Statistically speaking, more often than […]

The Principal Problem

It's the goose that laid the golden egg concept isolated on white.

As seen in the Bradenton Herald September 23, 2019Is not touching your principal really the safest tactic? People on the cusp of retirement are often looking to reposition their portfolios to focus on three primary characteristics: Safety, Income, and Growth. Understandably they want a safe strategy to make sure they don’t lose their money. They need […]

3 Key Steps in Financial Planning

Generally speaking, my experience has been that successful investing is goal-focused and planning-driven, while most of the failed investing I’ve observed has been market-focused and performance-driven….

Planning for Financial Change

Planning for Financial ChangeFeatured in the Bradenton Herald 6-11-19 Financial decisions can be highly stressful and consequently are often a source for procrastination. Psychologist Barry Schwartz says choice has made us not freer but more paralyzed, not happier but more dissatisfied. Every decision feels like we are exposing ourselves to unknown risks and leaving the […]

How to Help your Grandchildren Fund College Costs

As a general rule, college tuition rates have increased at roughly twice the rate of inflation. According to Collegeboard.com, the average annual cost for public college tuition, fees, and room and board averaged $36,420 last school year, and some private schools can cost more than twice as much. As a result of these high costs I have increasingly seen many more clients who want to help contribute to their grandchildren’s education. In the following I will provide an overview of what parents can expect and how grandparents can help with minimal impact on aid eligibility.

Optimizing your Retirement Income

Income Optimization strategies

6 Financial Best Practices for 2019

So, are you ready to get a jump on 2019? Around this time last year, we shared a list of 10 financial best practices for the year ahead. Our reach-out went so well, we thought we’d make it an annual tradition. Here are six more financial best practices for the year ahead. Pick a few […]

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