October 6, 2022 at 7:25:38 PM

Historical Data Following Prior Bad Years for S&P 500 Index

First, this article shows what's previously occurred during prior bad years for the S&P 500 Index. The purpose of sharing this data first...

June 2, 2022 at 4:37:58 PM

While Markets are Down, Should I Evaluate a Roth Conversion?

One positive during bad market time periods, like this year so far, is that market declines can provide a good opportunity to evaluate...

March 29, 2021 at 3:17:11 PM

Required Minimum Distribution Planning

Executive Summary 1 - Required Minimum Distributions (RMDs) must be taken from pre-tax retirement accounts such as pre-tax 401k accounts,...

December 11, 2020 at 4:05:33 PM

How Will Inflation Impact Your Retirement?

What is Inflation? Inflation causes prices to increase over time. A gallon of gas cost an average of $0.36 in 1970. Today, the national...

July 7, 2022 at 3:23:59 PM

Potential Good News? S&P 500 Index 1st-Half vs. 2nd-Half Performance Data During Bad Years

The S&P 500 index has averaged about 10% per year since inception in the 1920s. Following very strong years in 2019, 2020, and 2021, the...

May 4, 2022 at 2:00:40 PM

Using Series I Savings Bonds To Beat Inflation - 9.6% through Oct 2022

This article is a short summary of key points about Series I Savings Bonds. You can learn more and purchase I-Bonds directly from the US...

March 9, 2021 at 12:49:20 AM

When Can I Retire? A Practical Use of The Retirement Cash Flow Statement

The purpose of this article is to demonstrate how building a retirement cash flow statement can be used to answer common questions such...

October 23, 2020 at 5:12:40 PM

Which PSERS Pension Option Should I Select? An Article For PSERS Employees

When handled correctly, the PSERS pension's monthly income and lump sum benefits can be a great combination to protect the long-term...

June 27, 2022 at 6:52:01 PM

Savings Account Interest Rates: Shopping Around is Starting to Pay Off

According to bankrate.com, the national average savings account interest rate is still only 0.1% as of June 2022. However, Federal...

May 14, 2021 at 1:49:40 PM

How Can High Inflation Impact Investments?

Inflation vs. Stock vs. Bond From 1968 - 1982 Observations - From 1968 - 1982, inflation averaged 7.4% per year. - During this high...

February 4, 2021 at 1:43:18 PM

Inherited IRA Planning Considerations

The SECURE Act In December 2019, Congress passed legislation called the SECURE Act that included numerous retirement savings reforms....

September 15, 2020 at 3:17:04 PM

Health Insurance When Retiring Before Age 65

If you're thinking about retiring before age 65, how will you get health insurance prior to reaching Medicare eligibility? How much will...