Blog

Ways to Help Increase Retirement Savings and Reduce Your Tax Liability

By Chad Centorbi | November 7, 2017 |

As we head into the homestretch of this year, two things individuals may be seeking are ways to help maximize retirement savings and minimize 2017 tax liability. One way to help do so is by contributing as much as possible to an employer-sponsored retirement plan. Many employers match worker contributions up to a certain point,…

Goals-Based Investing

By Chad Centorbi | October 31, 2017 |

There’s a difference between monitoring an investment and checking its performance on a daily basis. Rather than being concerned about short-term volatility in the market, consider the future purpose or goal of what you want your money to pay for. This is the fundamental idea behind goals-based investing. You don’t just seek out investments that…

What Type of Investor Are You?

By Chad Centorbi | October 24, 2017 |

Each person is unique. We are composed of many variables, such as genetics, family influence, geographic influence and even the birth order among siblings – a veritable combination of the forces of biology and society.1 So when it comes to managing your finances, the debate isn’t about nature versus nurture; it’s both. For example, consider…

IRS News to Know

By Chad Centorbi | October 17, 2017 |

As we head into the final quarter of 2017, it’s a good idea to stay cognizant of any tax issues that may affect your finances come April 2018. Now is the time to review your investments and income distribution plans to help ensure you don’t trigger additional taxes or penalties later on. We can help…

Assessing Risk in Retirement Income

By Chad Centorbi | October 10, 2017 |

When it comes to investing, there’s no such thing as a “safe bet.” Every type of financial vehicle has some level of risk, even checking and savings accounts. Back in the 1920s, people believed that the safest place to keep their money was a bank, and they were right. But as they witnessed during the…

Income Strategies for an 8,000-Day Retirement

By Chad Centorbi | October 3, 2017 |

By 2030, it’s estimated that 20 percent of the U.S. population will be over age 65.1 That means a fifth of all Americans will be on the fringe of retirement or already retired, a milestone that’s generally perceived to come late in life. But consider this, there are approximately 8,000 days in today’s average retirement.…

Making Friends, Strengthening Relationships

By Chad Centorbi | September 26, 2017 |

In the early days of childhood, we start picking up communication skills that are continually developed throughout our lives. We make close friends, stay in touch with them and make sure we’re there for the people we care about. But during retirement, it may take more effort to maintain those friendships. It’s important to remember…

Potential Reasons to Put the Retirement Countdown on Hold

By Chad Centorbi | September 19, 2017 |

Retirement is still something most people look forward to, but over the years, some of the reasons for anticipation have dwindled. During the industrial age, more people worked jobs requiring manual labor that was hard on the body. By mid-century, many rank-and-file workers could look forward to a pension waiting for them upon retirement. Workers…

Strategic vs. Tactical Asset Allocation

By Chad Centorbi | September 12, 2017 |

In recent years, the markets, the economy, and the global political scene have evolved considerably. We’ve witnessed both remarkable volatility and remarkable resilience in these areas. The reality is that less predictability in today’s economic landscape requires more vigilant risk diversification, coupled with the ability to adapt to a fast-changing environment.1 We work with our…

Retirement Plan Fees: Know What You Are Paying

By Chad Centorbi | September 5, 2017 |

Many large companies offer employees a 401(k) plan with some degree of matching contribution. Although this is a good employee benefit to have, you always should pay attention to the fees involved in your plan. Your plan provider charges various fees to invest, manage and administer the plan, and those fees are passed on to…

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