After Rocky Year-End, Risks Follow Investors into New Year

unsplash-mountain river1bIn the final quarter of 2018, interest rate and growth fears, along with geopolitical events, sparked volatility in the financial markets and reversed many of the outsize stock gains notched earlier in the year. The S&P 500 posted a loss of about 6.2% for 2018. After falling into bear market territory, defined as a drop of more than 20% from recent highs, the tech-heavy NASDAQ was down 3.9% for the year overall.1-2 Continue reading

How Required Minimum Distributions May Effect Your Retirement Planning

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Required minimum distributions, often referred to as RMDs or minimum required distributions, are amounts that the federal government requires you to withdraw annually from traditional IRAs and employer-sponsored retirement plans after you reach age 70½ (or, in some cases, after you retire). Continue reading

Why Employers are Switching to Cash Balance Retirement Plans

unsplash-balance1b.jpgA cash balance plan is a qualified employer-sponsored retirement plan that has become
increasingly common in recent years as an alternative to (or replacement of) the traditional defined benefit pension plan. Though it is technically a form of defined benefit plan, the cash balance plan is often referred to as a “hybrid” of a traditional defined benefit pension plan and a defined contribution plan. Continue reading

Building Retirement Income with Real Estate Investments

A real estate investment can be a fairly common transaction, such as the purchase of a primary residence, or it can be a complex commercial venture involving multiple investors and/or syndicates. When choosing a real estate investment, think carefully about your objectives for that investment.
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