Doing Good With Your Investment Dollars

We are in the midst of a historically long period of growth in the US stock market.  Yet the euphoria for many Colorado investors is tempered by questions about our country’s future.  If you have followed classic advice about diversified investments, it’s likely that you own shares in companies behind initiatives not aligned with your […]

Accessing Your Retirement Money Early

If you wait until your 60s to retire, accessing your retirement savings is a straightforward proposition.  You can tap your Traditional IRA, Roth IRA, taxable investment accounts, and most work retirement plans without penalty.  But what if you need funds sooner than that? First, I should say we won’t consider whether you should access retirement […]

College Versus Retirement

It’s a dilemma that most parents face at some point in their lives.  There is a trade off between paying for your children’s college education and your financial independence.  Unless your resources exceed your ability to spend, this is a truism.    Yet it’s one that can be unpleasant to discuss as it could involve your […]

What to Do with Those Old 401(k)s

Most of us in in the workforce have had multiple employers over our careers.  It almost always makes sense to contribute to your 401(k) or equivalent retirement plan.  You get the tax deferral (or tax freedom if you have Roth contributions), the employer match in most cases, and the benefit of regular investing over decades. […]

You Can Still Work With a Fiduciary Adviser

For years, financial service firms have been preparing for the day when they would need to serve as fiduciaries when giving guidance on your retirement accounts.  This Obama-era initiative is scheduled take effect later this month.   It would be a major shift in the duty financial advisers have to their clients that would mean a much higher standard […]

Does Your Medicare Policy Need a Check Up?

Rising health care costs are often cited as people’s number one retirement concern.  So why is it that only 10-15% of retirees re-evaluate and change their Medicare coverage during the annual open enrollment period each year?  According to a series of focus groups conducted by the Kaiser Family Foundation, many retirees don’t review their coverage […]

Secret to Building Wealth

-By Dave Gardner The other day I was talking to a CU professor who is nearing retirement.  When she stops working, she won’t have financial worry because of her tremendous job building up her CU retirement plan as well as properties, most of which she owns outright.  While she is well paid by the university, […]

The Four Keys to a Satisfying Retirement

There are many milestones that signal you’re close to retirement.  It could be that you’ve put your kids through college and its painful tuition bills.  You’re attending an increasing number of work parties celebrating many years of loyal service.  You or a loved one may have suffered a health scare or setback reminding you that […]

What to Do With Old Retirement Plans

When clients come in for their initial financial review, we often see retirement plan statements from four or more investment companies.  They might have a Fidelity 401(k) from a job they left years ago, a Prudential 403(b) from last year, and a TIAA-CREF retirement plan with their current employer.  Some clients have gone so far […]

What Is a Fiduciary Advisor and Should I Care?

If you’ve been reading the business pages, you may have heard the word “fiduciary” thrown around when it comes to people who give advice on retirement investments. The Department of Labor, of all agencies, is proposing significant new requirements for advisors that could have a dramatic effect on who can offer guidance on retirement plans […]

Social Security and Medicare Changes for Some Boomers

When Congress voted to raise the debt ceiling two weeks ago, there was widespread relief that we would be spared a government shutdown. While largely lauded, this legislation did include obscure provisions that impact Medicare and Social Security. For some boomers these changes could cut Social Security benefits by over $50,000 over four years. Let’s […]