Ready to dive into the world of ROTH IRAs? Great choice! These retirement accounts can be beneficial when pursuing a solid financial future, especially if you are not a big fan of taxes. Let’s break it down in plain, understandable terms, shall we? What is the...
By: Ralph Bender, MBA, CFP® Dr. David Kelly of JP Morgan shared this acronym describing the economy in the new year during the first advisors-only conference call of 2024. In short, he’s optimistic about the coming year. He is known for basing his opinions on...
Jane is a 32-year-old and recently discussed Health Savings Accounts (HSA) with her financial advisor on how to get the biggest benefits possible from her limited budget for long-term investments. She discovered that the HSA is much more than just a savings account....
In 2022, we paid for something, and they keep promising it’s just around the corner; it’s coming, so be ready! But it hadn’t come; I never believed it was coming, and I still doubt we’ll see it soon. When the FED began the fastest interest rate hiking program in...
What’s in a name? Mine is simple, one syllable, “Ralph”. It supposedly means wolf or hero. In my line of work I’d prefer hero, because the way I work is nothing at all like the “Wolf of Wall Street.” Call me the hero of main street. Our clients know they need...
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....
We are excited to announce that Mona Hurtado, passed the difficult securities exams and is now an LPL Registered Administrative Assistant!
Honestly, I’m not spending any more than I make, but there’s nothing left for savings.
The white carriage pulled by a white horse took us down the gentle grade around the back of the lake in full view of the guests seated at the entrance to the peninsula, on which resided in the gazebo.
If you’re barely making the minimum payments you are headed for bankruptcy, and guess what? Money that you put into a 401k plan is protected from creditors!