Enhance Today | Enrich Tomorrow
That is a question asked by many investors today. One way to analyze this question is look at previous situations in US history when bond yields reached levels seen today. As noted in the chart, the previous treasury yield low…
Have you made your 2012 Roth IRA contribution? If you have not yet made the maximum contribution, you still have time! Tax payers have until Monday, April 15th of 2013 to make their Roth contributions for the 2012 tax year….
As we did last year, Financial Symmetry has covered several current events on our blog throughout 2012, and here are what we think the Top 10 Economic Stories of the Year have been: (Click the plus (+) symbol to expand…
Tax planning is an essential part of financial planning. With all of the talk about the fiscal cliff dominating the headlines, it’s important to remember that there’s still some time left before this year’s tax laws expire. Here are a…
As financial planners, we are often asked about how to fund retirement income needs. Traditionally income in retirement has been thought of as a three-legged stool-Social Security, pension, and withdrawals from savings. Today’s retirees still count on Social Security, some…
Are you trying to save for a child going to college? If so, keep in mind the cost of college continues to increase faster than inflation with the largest increases at public universities: Percentage cumulative change over the last 10…
The value of investment advice can make a real difference over the life of your portfolio. In our previous post we noted that the research on Gamma identifies 5 financial planning strategies that add to retirement income. The first of…
A recent study from Morningstar suggests that implementing solid financial planning strategies can increase a retiree’s investment income by 29%, which they equate to an additional 1.82% in investment returns every year. If we consider a $1 million nest egg…
What is a stock? It is an ownership of a company which represents a claim on future earnings. Many have been told to buy stocks because they are the best long-term investment, but few know where these returns actually come…
Traditionally the costs associated with investing have been fairly difficult to ascertain. Mutual funds charge expense ratios to pay managers and support staff while custodians and plan administrators also need to be compensated. These costs are deducted from the funds…
