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The Blog

The New Administration and the Market

Posted by Retirement Advisors of America on Dec 6, 2016 12:00:00 PM


Now that the election is over, there is the potential for policy settings to flip from “easy money, tight fiscal” to “tight money, easy fiscal.” By “tight money,” we mean that interest rates are going higher, as we have already seen.

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Topics: Investment Updates

What Uncle Sam Giveth, Uncle Sam Taketh Away

Posted by Jeffrey Baumert on Dec 5, 2016 5:00:00 PM


IRAs are a great tool for building up a retirement nest egg. With traditional IRAs, you get to make contributions that are either pre-tax or post-tax, and then let the money grow until you retire, deferring tax on the pre-tax contributions and the growth.

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Topics: Financial Planning

Things You Can Control in Your Financial Plan

Posted by Michael Kane on Dec 2, 2016 2:48:41 PM


Just as a successful flight includes many complex and moving parts, an effective financial plan requires several considerations. When approaching the construction of a financial plan, you will learn that there are things that you have a great deal of control, things you have some control, and also things that you have no control over.

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Topics: Financial Planning

6 Items to Include in Your Estate Plan

Posted by Brad Bridgewater on Nov 23, 2016 11:29:31 AM


Perhaps no other aspect of retirement planning is as overwhelming as creating an estate plan. It’s hard to anticipate every eventuality, and it’s even harder to make decisions regarding your family’s future that don’t include you.

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Topics: Estate Planning

5 Considerations for Taking Care of Aging Parents

Posted by Michael Kane on Nov 18, 2016 1:21:09 PM


At Retirement Advisors of America, we speak with many clients who have one or more children of their own and who are also be helping to care for their aging parents. This assistance can include time, financial support, and even various forms of guardianship.

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Topics: Financial Planning

Managing Financially Dependent Adult Children

Posted by Brad Bridgewater on Nov 11, 2016 11:24:18 AM


In late 1997, a regional investment management firm held a well-attended forum for its ultra-high-net-worth clients on “The Responsibility of Wealth.” The highlight of the forum, and the focus of several expert speakers that day, was the importance of careful planning for the transfer of wealth to a family’s younger generations.

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Topics: Financial Planning

The Importance of a Good Life Insurance Plan

Posted by Michael Kane on Nov 4, 2016 1:45:29 PM


Life insurance is one of the more challenging components of a comprehensive financial and retirement plan. It can be a tough topic of discussion, in part because no one likes to think too much about their own mortality.

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Topics: Financial Planning

Charitable Contributions from IRAs

Posted by Retirement Advisors of America on Nov 3, 2016 5:00:00 PM


The Pension Protection Act of 2006 first allowed taxpayers age 70½ or older to make tax-free charitable donations directly from their IRAs. Technically, these taxpayers were allowed to exclude from gross income otherwise taxable distributions from their IRA (“qualified charitable distributions,” or QCDs), up to $100,000, that were paid directly to a qualified charity.

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Topics: Estate Planning

Earnings Matter Most

Posted by Retirement Advisors of America on Nov 3, 2016 4:30:00 PM


The above was the headline from the October 10, 2016 research report from the Bank Credit Analyst (BCA). However, you would never know it from where the stock market is currently trading.

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Topics: Investment Updates

How to Identify a Bad Investment Opportunity

Posted by Brad Bridgewater on Oct 28, 2016 6:35:37 PM


Professional advisors often encounter clients or prospective clients who question the performance of their portfolios compared to the claims of less-than-honest individuals or firms. We all know that most “too good to be true” propositions actually are just that, but the following signs will help you safeguard your assets and steer clear of the so-called “opportunities” that can wreak havoc on your portfolio.

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Topics: Financial Planning