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Thursday, January 26, 2023

         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...

Monday, January 2, 2023

          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...

Friday, December 2, 2022

          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...

Monday, November 7, 2022

          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...

Tuesday, October 4, 2022

          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...

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Monday, September 5, 2022

          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...

Monday, August 1, 2022

          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...

Monday, June 27, 2022

          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?...

Wednesday, June 1, 2022

          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...

Friday, May 20, 2022

Wednesday, March 2, 2022

Wednesday, February 2, 2022

Friday, January 21, 2022

Monday, November 29, 2021

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...

Monday, October 25, 2021

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...

Monday, September 27, 2021

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...

Friday, September 3, 2021

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...

Monday, August 30, 2021

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...

Friday, August 20, 2021

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...

Monday, August 16, 2021

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...

Monday, August 9, 2021

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...

Monday, June 21, 2021

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?...

Friday, June 11, 2021

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...

Monday, June 7, 2021

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...

Monday, January 26, 2015

It only makes sense – yet many retirees live without one.

Monday, January 26, 2015

Next year’s small COLA isn’t the only adjustment related to the program.

Monday, January 26, 2015

A tax court ruling raises eyebrows & leads to a decision that may affect you.

Monday, January 26, 2015

Why are they made again and again?

Friday, January 23, 2015

Certain misconceptions ignore the realities of retirement.

Friday, January 23, 2015

The year is coming to a close. Have you thought about these financial ideas yet?

Friday, January 23, 2015

When should you apply for benefits? Consider a few factors first.

Saturday, February 1, 2014

These past several years have really thrown people for a loop.

Friday, November 1, 2013

Politics aside, how could coverage improve for you & your loved ones?

Tuesday, January 1, 2013

Behaviors worth changing for the New Year.