Kryptonite for Retirement's Arch Nemesis

Kryptonite for Retirement's Arch Nemesis

The HSA is designed to help individuals and families pay for medical expenses that fall under the account's definition of qualified. Funds in the account grow tax-deferred and, when used for an expense that's deemed to be qualified, are distributed tax-free. It's a great resource for Americans, but much to our chagrin, most people use their HSA inefficiently. Continue Reading...

When Life Zigs, Will You Zag?

When Life Zigs, Will You Zag?

As you might have guessed, we are sharing in the early-January tradition along with so many others, by setting goals for 2017. These personal and professional objectives are meant to be the foundation for our efforts this year. In these early weeks of January though, we often overlook the reality that staying on track with our resolutions could prove to be a major challenge and might become too much to bear alone, over the course of the year. Continue Reading...

What's Yours is Mine. Sincerely, Pennsylvania

What's Yours is Mine. Sincerely, Pennsylvania

Does the blame fall on an account owner, when his or her account is deemed abandoned? Absolutely. Should that account owner be penalized for a mistake made thousands of times every year, across the country? Absolutely not. In this instance, the punishment does not fit the crime and the consequences are by all sense of reason, irreversible. Continue Reading...

File & Suspend: A Eulogy

File & Suspend: A Eulogy

Today, we remember a beloved social security planning strategy. File and Suspend died on November 2, 2015 after a long battle with the Bipartisan Budget Act of 2015. Throughout its lifetime, File and Suspend built an esteemed reputation as a planning strategy for couples, where one spouse chose to work past full retirement age. Continue Reading...

Your Plan is the Forest...

Your Plan is the Forest...

You don’t care about my car problems, I know that. But this month’s market turbulence is akin to my month of car trouble. As I write this, the S&P 500 is down about 7.5% since January 4th. (The first trading day of 2016) Headlines are blaming the slide on declining oil prices and slowing economic growth in China, among other triggers. Instinct says, it’s time to unload the equities in my portfolio for something more predictable. However, logic speaks to the contrary. Continue Reading...

Monkeys Don't Win the Nobel Prize

Monkeys Don't Win the Nobel Prize

Through no fault of our own, we are inundated with commentary.Today, the latest sound-bite, headline, or cover story feels like it carries more weight than time-tested knowledge. With so many distractions competing for our attention, it is all too easy to overlook scrutinized insights, like Dr. Fama's research, in favor of the most recent ‘10 Hottest Funds’ list. So the question becomes, ‘do you have an investment philosophy, or do you react to a good sales pitch?’ Continue Reading...

If a Pebble Fell in a Pool...

If a Pebble Fell in a Pool...

Brexit’s objectives and implications are vague, so it would be imprudent to begin making any recommendations besides, ‘ignore it’.  Our goal is not to be trite, it’s really the only advice we can sensibly give and we feel comfortable doing so, because you’re protected. When you begin to feel anxious or uncertain, like all of us do, remind yourself that the speculative and worrisome headlines are not tied to you. These opinions are meant for a mass audience, not just you as an individual. Continue Reading...