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FRS Tip of the Month
Each month, I try to bring some tidbit of valuable information that may or may not directly impact your planning. This month, I'd like to talk about the "second election". For those participating in...
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Well, it's that time of the year once again. Back to School! I know, Summer just went by way too fast once again. Well, before you get neck deep in lesson plans, try to devote a little time to your...
Read MoreWhat is a Retirement Plan?
Have you ever taken a long road trip and just hopped in the car without ever looking at a roadmap? Well, that's how most people go about retirement planning today. Too bad there aren't GPS's for...
Read MoreFRS Tip of the Month
June is finally here and summer vacation has started! No more screaming kids or rowdy teens making your job even tougher than it already is. Well, remember, the financial decisions you make in June...
Read MoreYour Worst Performer Last Year May Just Be Your BEST Performer This Year
Yep, 2022 was a tough year for the stock market, in general. With the Fed raising interest rates over 8 times now, it's brough valuations down. Especially in those high-flying growth companies. Though...
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FRS Tip of the Month
With the tax deadline approaching quickly, even if you have a 403b at work, you still may be eligible to make a tax-deductible contribution to a Traditional IRA or a Non-deductible contribution to a...
Read MoreNaming a Trust as Beneficiary
Trusts have become very popular tools to facilitate the distribution of assets to your beneficiaries. A few great reasons to use a trust for estate planning are: If your beneficiary is a minor....
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With February 14th being Valentine's Day, a contribution to your Spouse's IRA or Roth IRA may be a great way to show your love! Even if your spouse has no income...
Read MoreA Return To "Normal"???
With a new year comes new possibilities. 2022 was a challenging year for investors, to say the least. An exuberantly robust economy and low unemployment rate, couple with years of quantitative easing...
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If Christmas sneaks up on you unexpectedly, like it does so for so many people and you find yourself racking up your credit cards paying for gifts, consider setting up a Christmas Club Account. I...
Read MoreLifetime Income May Give You The Peace of Mind You're Looking For
These days pensions have become a thing of the past. For most retirees they need to carefully plan out their income, so they don't outlive their resources. Times like this, with all the market...
Read MoreFRS Tip of the Month
This month, our Tip of the Month is more of a reality check, than a tip. In April 2021, there was a press release that the Florida Senate passed senate Bill 84, Retirement, modernizing the FRS Pension...
Read MoreIs the Stock Market Going to Crash?
Is the Fed sending us into a recession with their promise to raise interest rates? Maybe. But why are they so committed to raising rates, if it could send the economy and the stock market into a...
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Before the school year kicks off, this is a great time to get your financial house in order before the chaos erupts. Here are a few tips to make sure you don't let another year slip by without gaining...
Read MoreFRS Tip of the Month
Here's a sticky situation. Let's say, you're in the FRS Investment Plan and recently remarried. Normally, you would want to list your spouse as the primary beneficiary of all of your accounts, right?...
Read MoreThe Yield Curve is Inverting
You may have been hearing some chatter about the yield curve and have no clue what the significance of it may be. Typically, the yield curve represents the difference in interest rates (or yields) on...
Read MoreInflation may be coming?
Rising inflation is talk on the street these days. For the past 30 years, inflation has run at a modest 2.4% average annualized rate. At least that's what our financial planning software estimates when we are considering the long-term...
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Has the battling between the Federal government and the State over mask wearing, the CDC protocols, the ongoing Covid pandemic and the Vaxxers versus the Anti-Vaxxers got you sick and tired of the rat race? Ready to throw in the towel...
Read MoreThe Case of an Imaginary Client
Recently, I was working on a Retirement Plan Update for a client and pulled up the last several years of case notes that I had, and I thought, how interesting it would be to part the curtains and share the inner workings and thought...
Read MoreDon't wait, get your 403(b) started today!
Summer's over and you're back in the grind. As overwhelming as work may seem, don't forget to take care of yourself too. Retirement will be here before you know it. So before you let another year slip by without taking proactive steps...
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With the tech sector of the market on fire, remember, don’t get caught up chasing investment returns. As the saying goes, buy low and sell high, right? Then, why do so many investors look at past performance and pick their...
Read MoreUpcoming changes for Florida teachers
Big changes could be coming for future teachers in Florida, but it’s not surprising to me. Senate Bill 84 has made its way through the Florida Senate and was approved on April 8th and is now set to be voted on in the House. The...
Read MoreHave you heard about Health Insurance Subsidy?
Retiring early is great, but don't forget, you may be entitled to the HIS (Health Insurance Subsidy). It's your responsibility to sign up once you reach the pension plan's normal retirement requirements. The HIS is a monthly...
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If you've reached FRA (Full Retirement Age) and decided to go into DROP at the end of the school year in July but aren't sure you made the right decision, you have only one month after your DROP participation begins to cancel your...
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The Investment Plan, also known as a defined contribution plan, is made up of 19 investment choices. But did you know, you have the option to have even more investment choices than what are solely available in the investment plan?...
Read MoreReady to Jump Into Retirement
I’m not a skydiver, but doesn’t it just make sense, that before you jump out of a perfectly good airplane, you make sure you’ve packed your parachute really, really well? You’ve finally decided to pull the...
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FRS Tip of the Month If you’re thinking about making that leap of faith into retirement this July, it may be a good idea to re-check your cash flow needs. For those in the investment plan, a distribution cannot be issued until...
Read MoreCreating a Budget for Retirement
It only makes sense – yet many retirees live without one.
Read MoreSocial Security in 2014
Next year’s small COLA isn’t the only adjustment related to the program.
Read MoreIRS Announces New IRA Rollover Limitation
A tax court ruling raises eyebrows & leads to a decision that may affect you.
Read MoreThe Major Retirement Planning Mistakes
Why are they made again and again?
Read MoreDebunking a Few Popular Retirement Myths
Certain misconceptions ignore the realities of retirement.
Read MoreFall Financial Reminders
The year is coming to a close. Have you thought about these financial ideas yet?
Read MoreShould you apply for Social Security NOW.....or LATER?
When should you apply for benefits? Consider a few factors first.
Read MoreWhat is an independent financial advisor?
These past several years have really thrown people for a loop.
Read MoreTaking Advantage of the Provisions of Health Care Reform
Politics aside, how could coverage improve for you & your loved ones?
Read MoreBad Money Habits To Break In 2013
Behaviors worth changing for the New Year.
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