by Ralph Bender, MBA, CFP® | Market Volatility
When I woke up this morning, I saw the hot air balloons above the horizon to the east. I heard the rat-a-tat-tat of the neighbors’ sprinkler on the west side of the yard. Migrating downstairs, I brewed a cup of drip coffee after downing my obligatory wake-up mug of...
by Ralph Bender, MBA, CFP® | Featured – Blog
If you think that everyone but you is on track with their retirement plan investments, you need to stay with me on this piece. Because those people are rare. Most people don’t start saving for retirement soon enough, or investing aggressively enough, or controlling...
by Ralph Bender, MBA, CFP® | Enduring Principles, Retirement, Videos
Hot air balloons rise in the east, launching from Lake Skinner in Southern California’s Temecula wine country. On many weekday morning runs I’ll see a handful of them on the horizon. Small black spots, backlit by the rising sun. They rarely drift into the more densely...
by Ralph Bender, MBA, CFP® | Beneficiary, IRA Accounts, Retirement, Running Money ®
According to the Internal Revenue Service, IRA stands for Individual Retirement Arrangements (IRAs).1 Let’s break it down from there. First (and foremost) they are owned by individuals. They are not owned by couples, and they are not usually provided by employers....
by Ralph Bender, MBA, CFP® | Featured – Blog
Randy loves the business he’s created. It was very difficult getting started, with no capital, three young kids. But the family rallied around him, helped him find good clients, and they survived. The longer he works in the business, the easier it gets to attract...
