Social Security – When is the right time

Social Security – When is the right time

For many years, financial advisors have been encouraging pre-retirees to wait as long after age 62 as possible before claiming Social Security benefits, in order to maximize the benefits and extend the wage-earning years.  Beginning about the year 2000, a steady...
Step-up in Basis Explained

Step-up in Basis Explained

The step-up in basis has been a hot button topic as of late in the media. But, what is a step-up in basis? And, who does it benefit? If an individual were to purchase an investment asset, whether that be a stock, bond, rental property, or an investment in their own...
Wills vs. Trusts – Do I Need Both?

Wills vs. Trusts – Do I Need Both?

During the beginning of the coronavirus pandemic, estate planning attorneys saw a massive influx of interest in establishing wills. However, establishing control over what happens to your assets beyond the grave is something that shouldn’t only be considered during a...
The Truth About Teacher Retirement Plans

The Truth About Teacher Retirement Plans

Contrary to popular belief, school district-approved retirement planners are oftentimes not working on behalf of the best interests of educators. These “retirement planners” are typically not Certified Financial Planners, but rather insurance salespeople. They are...
Benefits of Choosing a Fee-Only Financial Advisor

Benefits of Choosing a Fee-Only Financial Advisor

Since the 2008 financial crisis, there has been a push for more transparency in the financial services industry. Many argue this pressure on the industry to be more transparent is long overdue. There were, and arguably still are, far too many advisors selling products...