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A Roth conversion is the process of moving money from a traditional IRA or other pretax retirement account into a Roth IRA, where you pay taxes now in exchange for tax-free withdrawals in retirement.…
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Glen Allen residents face unique financial challenges due to the area’s cost of living, which runs about 5% higher than the national average. Whether you’re planning for retirement, managing…
Read ArticleDeciding when to start taking Social Security benefits can have a significant impact on an individual’s retirement income. It is crucial for retirees to make informed decisions, as the timing of…
Read Article“Don’t give up because things are hard, but work harder, when you think of giving up.” – Anthony Liccione Tax time can remind us of our choices over the course of the entire previous year. We see how…
Read Article“You just can’t beat the person who never gives up.” – Babe Ruth So many mindlessly follow “influencer” advice, and start to pursue a careerdriven exclusively from their “passion”. They end up with…
Read ArticleLet’s talk about something of major importance as you begin to prepare for retirement: learning how to turn retirement assets into income. After spending years working to accumulate assets and…
Read ArticleAre you approaching 60 and considering taking your Social Security benefit early? This sounds like a great idea! Taking your benefits early is one way to increase your income, and you would be…
Read ArticleOne of the most common questions we receive from clients who are teachers or state employees revolves around the PLOP. The PLOP, or Partial Lump Sum Option, provides qualified Virginia Retirement…
Read Article“Life can only be understood backwards, but it must be lived forward.” -Soren Kierkegaard Get a piece of paper and make a list of all the things you want to do during your lifetime–no matter how…
Read Article“A mind, like a home, is furnished by its owner, so if one’s life is cold and bare he can blame none but himself.” -Louis L’Amour It turns out that the conventional wisdom is wrong: it is possible to…
Read Article“Life is like music; it must be composed by ear, feeling and instinct, not by rule.” -Samuel Butler People over 40 shouldn’t just plan for retirement, they should rehearse for it. Because retirement…
Read Article“Part of making good decisions is recognizing the poor decisions you’ve made and why they were poor.” -Warren Buffett Setting up an IRA for your retirement is almost always a good investment, but…
Read Article“We believe in ordinary acts of bravery, in the courage that drives one person to stand up for another.” -Veronica Roth If you’ve got a recent college graduate living at home, searching for his or…
Read Article“Today well lived makes every yesterday a dream of happiness and every tomorrow a vision of hope. Look well therefore to this day.” – Francis Gray Perhaps I’m biased, but I believe that it really is…
Read ArticleOne of the most pressing, painful and significant issues within a marriage can be the problem of finances. For some, this presents no significant hurdle whatsoever — often because the money is…
Read ArticleCreating a budget really shouldn’t be the place where financial decisions begin. Instead, a comprehensive look at what you most care about and how you want to live your life is the best place to…
Read ArticleI thought I would take the time this week to give you an objective, “incentive-free” look at what your finances should look like when you hit the half-century mark. If you are close to that mark, I…
Read ArticleWorking with my clients’ finances over the years has given me a bit of a crash course in human behavior. Often, I’m floored by the generosity I see displayed by many clients — even those without…
Read ArticleYou pay your bills on time. You try to save as much as you can. You even follow the advice which you read in books and hear on the radio about how to keep your finances in check. But you’re still not…
Read ArticleI wrote previously about the hidden financial mistakes which even some of our wealthiest clients fall into. These are gleaned from my years working directly with families — in their finances, and, of…
Read ArticleWhen your day wraps to a close, are you leaving tired and satisfied? Or just … tired? You’ve spent the day in nearly constant activity. And you may have been procrastinating the whole time. “Huh?”…
Read Article“It doesn’t matter where you are, you are nowhere compared to where you can go.” -Bob Proctor People over 40 shouldn’t just plan for retirement, they should rehearse for it. Because retirement can…
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