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Good Stuff

  1. May 15, 2017
    We all want peace of mind with our financial future. The problem is, we live in a world filled with uncertainty. What will President Trump do? How will it affect stock prices? Will the market go up or down? When (not if) will the next crash be? One thing we do know with certainty is that markets have been, are and will continue to be volatile. Even though markets will continue to be unpredictable, your retirement plan does not have to be. Most people have two problems when it comes to their retirement...
  2. April 15, 2017
    How much do you know about your individual retirement account (IRA)? One of the most important features of your IRA is that it is an individual account. You can customize your deposits, take withdrawals when you want, and are responsible for paying any taxes or penalties on each distribution. You can also control what happens to your account after you die by designating beneficiaries. As you determine your optimal IRA strategy, it is important to keep in mind a variety of laws applicable to both...
  3. By: Terry Roe
    March 15, 2017
    If you are not a part of the financial industry, you are probably unaware that this past spring the Department of Labor finalized the fiduciary rule.  The fiduciary rule will hold all financial advisors who provide retirement investment advice (401(k), IRAs, IRA Rollovers, etc.), to a “fiduciary standard” – or in other words, require them to put their client’s best interest above all else.  This new rule is expected to take effect in April 2017.  It is noteworthy that the new rule...
  4. February 24, 2017
    In the summer of 2016, Ken Simpson and Terry Roe pedaled 4,270 miles across the United States and completed the 2016 Trans Am Bike Race from Yorktown, VA to Astoria, OR. Please join us on Thursday, March 9, 2017 in the comfortable theater at the ARTitorium on Broadway for a special movie presentation of their exciting adventure! Showtimes are 7 P.M. and 8 P.M. Movie theatre snacks (popcorn, candy bars, and cold soda) will be provided. You can visit the event page and RSVP on Facebook.
  5. February 23, 2017
    Shortly after the recent presidential election, I received an email from a client asking me what was going to happen to the market now. He not only emailed me but also copied his family members. So, instead of giving him a call to discuss his concerns, I decided to respond to his email with an email that was copied to all of his family. I believe that his concerns are felt by many of us; so, with my client’s permission, I decided to share my response with each of you. Dear (Client and family), Before...
  6. October 03, 2016
    October 2016 Next month, Americans will head to the polls to elect the next president of the United States. While the outcome is unknown, one thing is for certain: There will be a steady stream of opinions from pundits and prognosticators about how the election will impact the stock market. As we explain below, investors would be well-served to avoid the temptation to make significant changes to a long-term investment plan based upon these sorts of predictions. SHORT-TERM TRADING AND PRESIDENTIAL...
  7. September 12, 2016
    In 2015, Fidelity Investments conducted a study to measure how women view and address their finances. Despite the fact that 92% of women said they want to learn more about financial planning, only 47% said they would be confident discussing money and investing with a financial professional on their own, and 80% said they had refrained from discussing their finances with those they are close to. In my experience as a registered investment advisor, it seems that within married couples, typically one...
  8. May 20, 2016
    Ask yourself one simple question: Are you investing in the market, or are you gambling on the market? Not sure? Many people think it is the same thing, but it’s not. Knowing the difference could determine whether you have a comfortable retirement or have to live on your Social Security. Let me give you an example of what I mean. Suppose you have an opportunity to buy an equal share in each of the 32 National Football League (NFL) teams. This means you are entitled to your share of all the profits...
  9. By: Terry Roe
    March 29, 2016
    One of the most famous quotations by Benjamin Franklin is: “Nothing is certain except death and taxes.” If you believe this quote to be true, then the financial planning takeaway is that you must continue tax planning until death. Tax planning within the context of financial planning is more than simply trying to avoid paying any taxes; it is trying to maximize the amount of money available to you and your family after taxes. A fundamental principle of income tax planning is to manage income tax...
  10. February 29, 2016
    The follow-up question, to be more specific is: Should your investment advisor understand your taxes? Understanding taxes in general is invaluable when deciding which investments to own and how to own them. A general understanding of taxes will help answer questions such as what type of investments you should hold in tax-deferred accounts—IRA/401(k)—and what you should hold in taxable accounts. A number of investment decisions will help increase your after-tax return (net return) when made with...
  11. February 08, 2016
    Global markets are providing investors a rough ride at the moment, as the focus turns to China’s economic outlook. But while falling markets can be worrisome, maintaining a longer term perspective makes the volatility easier to handle. A typical response to unsettling markets is an emotional one. We quit risky assets when prices are down and wait for more “certainty.” These timing strategies can take a few forms. One is to use forecasting to get out when the market is judged as “overbought” and...
  12. November 18, 2015
    You could spend a lifetime consistently making wise financial decisions based on time-tested principles only to see your finances all fall apart in short order. The fact is that this happens more often than many are willing to admit. Surprisingly, this could happen to you regardless of your financial acumen, or whether you are currently using or have used a financial advisor in the past. The reality is that advisors don’t control financial markets, nor your savings or spending habits, much less...
  13. October 21, 2015
    "A Different Way to Invest"Date: Thursday, November 5, 2015 Time: 7:00 p.m. - 8:30 p.m. Location: Hilton Garden Inn - 700 Lindsay Blvd. in Idaho Falls Today’s complex investment climate is leaving many people wondering what’s ahead and how to best position their portfolios. There are no easy answers to the investment challenge, and choosing among investment opportunities can be a daunting endeavor. Keynote Speaker Apollo D. Lupescu, PhD will discuss the fundamental choices...
  14. July 14, 2015
    What is a financial advisor for? One view is that advisors have unique insights into market direction that give their clients an advantage. But of the many roles a professional advisor should play, soothsayer is not one of them. The truth is that no one knows what will happen next in investment markets. And if anyone really did have a working crystal ball, it is unlikely they would be plying their trade as an advisor, broker, analyst, or financial journalist. Some folks may still think an advisor’s...
  15. February 26, 2015
    In 2014, I completed a 7,300-mile journey on a bicycle from the southern tip of Key West, Florida, to Prudhoe Bay, Alaska, on the Arctic Ocean’s north shore. The adventure took 95 days in three stages over the last three summers. There was mountain after mountain to climb with temperatures above 100 degrees in the southern states and below 30 degrees in the Arctic tundra. The only constant was wind, which was mostly working against me. So what does this have to do with investing for retirement?...
  16. By: Terry Roe
    February 26, 2015
    As I write this article, football fans everywhere are preparing for Super Bowl XLIX, and for the second year in a row, the team I was cheering for blew the lead in the NFC Championship game in the fourth quarter and didn’t make it to the Super Bowl.  Last year it was my beloved San Francisco 49ers, who became my favorite team as a young boy because of my autographed John Brodie football, and this year it was the Green Bay Packers, who have been a favorite since I lived in Wisconsin in junior...