You have retirement accounts in a few different places. So does your spouse. Now that you are retired or thinking of retiring you are closer to using the money, but you haven’t changed the allocation or risk level of any of those accounts.Read More
Financial Advisor Tim Hayes AIF®, CRPS®, AWMA®, CFS®, APMA®
Diversification the proverbial not putting all your eggs in one basket and is the hallmark of portfolio construction and design.
State taxes got impacted by the federal tax cut because people in many state’s lost their federal deductions.Read More
State and local pensions are funded in three stages: (1) states contribute; (2) employees put in a % of their salary (3) the money grows.Read More
Diversification and rebalancing are crucial for those investors who are approaching retirement when they will be using the money.Read More
Risk tolerance measurement and analysis, together with your goals, is a good starting point when designing your investment portfolio.Read More
Gold has a stronghold on many people’s thinking about money and money without being backed up by gold is suspect or illegitimate.Read More