The Financial Planning Process
Your Financial Planning starts with gathering your financial information into one place, to generate thoughts, questions, and opinions.
Financial Planning
I will establish a plan attuned to your unique financial needs, whether you are an individual, small business, or company executive
Understanding Your Social Security and Medicare Options
The breakeven point for someone whose full retirement age (FRA) is age 66 but who takes Social Security at 62 is age 78.
Should You Roll Over Your 401k to an IRA?
Your 401k is one of the most significant assets you own. Deciding what to do with it when you leave your employer is a critical decision.
Social Security When Should You Start Taking It?
The study recommends that married couples who have a higher-earning spouse delay taking his or her social security until age 70.
Do You Have After-Tax Money in Your 401k?
The IRS provided the option to roll over their pre-tax retirement money into an IRA while rolling over their after-tax money into a Roth IRA.
Should You Have a Trust as Beneficiary on Your Retirement Account?
Trusts for retirement plan owners who died before 2020 can use the old law and remain useful planning tools.
Inheriting an IRA
When someone inherits an IRA, the particular relationship between the individual who passed away and the beneficiary dictates the choices.
Independent 403b Financial Advisor
Since 1990, I’ve been a financial advisor specializing in helping educators set up, invest, and service their 403(b) plans.