Retire Sooner Reading List
Any author will tell you that self-promotion is a vital muscle to develop. You pour your heart out, scribbling ideas before heading to the office, during lunch breaks, and after the kids go to bed. You brainstorm, outline, write, and then rewrite more times than anyone would like to admit. After taming that beast, the […]
10 Things Investors Should Know About Secure Act 2.0
Secure Act 2.0 has now been put into law as an expanded version of the SECURE Act of 2019. Below are some of the highlights and important provisions we’ve pulled for investors and their retirement plans. 1. RMD Age Delay: The SECURE 2.0 Act increases the required minimum distribution age to 73 beginning January 1, […]
Falling in Love with Dividends
Dividends are a way for a company to return some of its profits to shareholders. They’re cash payments that certain companies give to investors. Each allotment is often paid out as small amounts per share. There’s a story I like to share about my son Jake. He saw a dollar coin on the ground, and […]
Client Spotlight: A Happy Retiree’s Bucket List Trip to the Cathedral of Siena
One of the most rewarding aspects of working in portfolio management and retirement planning is seeing positive results in real-time. At our firm, we believe strongly in the principles we preach, but it’s up to our clients to go out there and live life to the fullest. One client, Janet, recently did just that with a visit to the Siena Cathedral located in Italy.
IRAs for Education
The cost of living has been rising, and college tuition is no different. With that harsh reality, folks have had to find creative ways to fund their beloved offspring’s expensive hopes and dreams. According to the US News & World Report, a “2022 Sallie Mae and Ipsos survey found that 18% of parents withdrew from […]
101 Retirement Tips
My team at Capital Investment Advisors put together a guide with 101 retirement tips that can help you prepare for and/or help you navigate retirement. Of course, every situation is different, but incorporating this guidance can point you where you want to go. Considering all your retirement options can feel like wandering through a maze. […]
Stop Working When You Reach 25x In The Bank
Preparing for retirement is like figuring out an equation. Even if you know most of the variables, you can’t find the answer until solving for x. Or, in this case, 25x. We’ll come back to this figure in a minute. I treat retirement data like a treasure because the overarching goal of my career as […]
Predictions for the Market in 2023
If 2022 felt painful, it’s because it was. There is no use sugarcoating the profound challenges investors endured. A traditional balanced portfolio with 60 percent in stocks and 40 percent in bonds had its worst performance since 1937. Not even the 2008 global financial crisis or the inflationary bear market of 1973-1974 matched its agony. […]
How to Retire in 2023
It’s a new year, and with it comes new opportunities for people all over the country to set retirement goals. Financial gurus and critics tell us we need millions of dollars to stop working. Whether it’s a scary article in the Wall Street Journal making the case against withdrawing retirement funds or Suze Orman practically […]
Answering Listener Retirement Questions: 100% Stock Portfolios, Converting IRA Money into a Roth IRA, and Tax Loss Harvesting
As host of the Money Matters radio show and Retire Sooner podcast, I try to stay plugged into what my listeners have on their minds. To that end, my team and I set up a Retire Sooner Hotline (800-805-6301) so folks can call in to ask anything under the sun. And ask they did! We […]
