How do I Layout my Expenses? {A 6-Step Guide to Freedom}
How do I layout my expenses? Find out the answer with tips from Andrew Rosen of Diversified Lifelong Advisors.
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Stages of Retirement: Go-Go, Slow-Go, and No-Go
The average couple retires in their 60s and lives until their 90s. With that in mind, there is said to be three stages of retirement. The go-go years, the slow-go years and the no-go years. Let’s take a few moments and understand these stages and what it means to you or your loved ones.
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Is it Time to Refinance?
In the past couple of months, mortgage rates have been declining yet again. Today, you can find 30 year mortgages in the mid 3%, and 15 year ones in the low 3% range. This is great news if you’re buying in this low interest rate environment. However, the vast majority of us aren’t currently buying. More people than not have a mortgage outstanding. Given today’s rates, one must consider if refinancing is the right move.
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When to Bring your Children into your Finances?
When is the right time to bring your children into your personal finances? The answer is very subjective. It certainly depends on your children and your personal situation. I think this can be a slow education lesson from an early age.
READ MORE...Withdrawing from Retirement Accounts:
At least once a week, I find myself educating a client on when they have to take money from retirement plans. Most people are confused on how this works. It’s kinda funny, actually. We spend all this time accumulating money in retirement vehicles, yet many are relatively clueless on the requirements to withdrawal.
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Irregular Regular Expenses {A Cautionary Tale}
One of the most common questions asked of me (or my partners) is “how much money do I need to retire?” Sounds like a relatively easy and innocuous question… on the surface. However, the roots of the question run deep into a person’s financial soul. What they are really asking is “how much money do I need to keep my same standard of living, while no longer earning a paycheck?”
READ MORE...Investing in the Stock Market is NOT Gambling
A few weeks ago, I was visiting my happy place–the Jersey shore. It was an especially good weekend because my best bud, O-man, was in town for his yearly, week-long visit home. Currently, he lives in D.C. and life is busy. So, we don’t get to see each other that often. Needless to say, we try to make up for it when we do get together.
READ MORE...What the Proposed SECURE Act Means to You - 9 Major Changes
Recently, I’ve gotten a few questions about the proposed SECURE (Setting Every Community Up for Retirement Enhancement) Act that the House has proposed. Any time there is legislation on the table that affects retirement savings, many want to know more.
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