Broker Check

Late Career Challenges

Debt

Now that the kids are gone you're probably focusing on getting your home paid off before retirement.  Of course, there will probably be other debts for many years such as car payments, etc.  Before you get too excited, make sure that you understand all the ramifications of paying off your mortgage as quickly as possible.  You are still going to have some major capital purchases in retirement and you need to know that it's how you pay for these things that will make the biggest difference in your retirement lifestyle.

Misinformation

By definition, it is not possible for you know what you don't know.  And to add to the problem, everything you know, you think is the truth.  Unfortunately, there are a lot of people and industries that profit handsomely from our ignorance.  It is imperative that you learn the truth if you want to have a successful retirement.

Mortgages

Mortgages

How you pay for your home and other major capital purchases could be the most impactful financial decision you'll ever make.

Club vs. Swing

Club vs. Swing

It's the swing that matters.

Taxes

By this point in your life you're probably thinking that taxes are one of your biggest enemies.  You're finally earning more money but now many of your deductions - your kids and your mortgage - may be gone or nearly gone.  You may be tempted to do anything you can to reduce your tax bill today, but be careful.

Taxes

Taxes

With a declining workforce and an aging population, the government's own accountability office admits taxes in the future will have to double in order for government programs to survive.

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Maximize Your Deductions

Maximize Your Deductions

Make sure your right pocket knows what your left pocket is doing.

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You May Not Be Saving Taxes

You May Not Be Saving Taxes

Would you cash that check?

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Standing in the Tax Line

Standing in the Tax Line

Compounding interest in a taxable investment account creates an increasing tax.

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Inflation

You probably have not given a lot of thought to this until lately, but this will continue to present many challenges to you throughout your lifetime.  It seems confusing.  You hear that inflation is low but to fill your grocery cart it costs 2-3 times what it did a decade ago.  Something doesn't seem right.

Inflation & Your Money

Inflation & Your Money

It's important to understand how inflation is reported and how it can affect investments.
Impact of Taxes and Inflation

Impact of Taxes and Inflation

Estimate the potential impact taxes and inflation can have on the purchasing power of an investment.
Lazy Money

Lazy Money

Assets earmarked for retirement in money market accounts, checking accounts, savings accounts, or even CDs can be greatly impacted by inflation.

Changing Demographics

One issue that few are talking about but could be one of the biggest challenges to your financial future if you're not prepared is the changing demographics that are occurring right now and will continue unabated.

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