
Should I make a career change late in life?
I was having breakfast with a friend. After a long, fairly successful career, he is pondering a career change–returning to his former career. A Hard
I was having breakfast with a friend. After a long, fairly successful career, he is pondering a career change–returning to his former career. A Hard
Amanda only recently started thinking about saving and investing. Her coworker Elaine has been saving money for years and is close to retirement. Both, however,
Buy an insurance policy. Establish an IRA or 401(k). Open almost any kind of financial account. Among the many (MANY!) documents you’ll sign is one
What are the worst retirement mistakes? Whether these five are “the worst” is certainly up for debate. (They’re not the only ways you can complicate
There’s a lot of chatter today about Roth conversions. If you’re like most people, you’ve got questions: As a financial planner at Christy Capital Management,
Mention retirement and most federal employees start wondering: All excellent questions! But there are four bigger, more pressing questions you should tackle first. They are:
Craig is confused. His brother is urging him to invest systematically: “Just have $150 automatically deducted from each paycheck and put into your TSP. Over
Is it possible to have too much taxable money? Most people today would hear that question and practically scream, “Absolutely NOT! You can NEVER have
When it comes to estate planning, too many people are careless. They never get around to creating a will or a trust. Or, maybe
The Sanders are considering taking money out of their IRA to help their youngest child purchase a home in Nashville, where property prices are soaring.
Let’s tackle a topic that concerns many retirees: How–if at all–are Social Security benefits taxed? This issue sparks a lot of confusion, with some people
Should you invest in a company that sells products made overseas by underpaid or underaged workers? What about an industry with a terrible safety record
Nobody wants to stumble into retirement unprepared. And at Christy Capital Management, we don’t want that for you. (That’s why our mission is to help
In finance, the Rule of 4% is a well-known concept. It’s been tested and proven to aid individuals in planning for retirement. What is this
Nobody wants to be stingy because nobody likes a Scrooge. Deep down, I’m convinced we all want to be generous–if for no other reason than
When I’m talking with people about their federal retirement, they often say to me, “I only have a year or two until I retire, and
“Smart!” “Brilliant!” “A no-brainer” “SO glad I did it!” These are the kinds of comments we routinely hear about Roth conversions. However, it’s easy to
Say the phrase “risk in retirement,” and most people will fixate about one thing and one thing only: stock market risk. That is the main
You’d be surprised at how many people think retirement readiness involves just two factors: how old you are how much you’ve amassed in your portfolio
Over dinner friends of yours mention how they’ve recently started taking the money in their traditional IRA and moving or “converting” it into a Roth
Unexpected tax bills or increased tax rates are no fun–especially in retirement. How can you reduce the taxes you’ll have to pay when you’re no
Can your behavior make a difference in the returns you get on your investments? And can unwise behavior actually sink your chance at a good
Most people believe that Roth retirement accounts don’t have any required minimum distributions (RMDs). Usually that’s the case. But, there are Roth Account RMD rules
There’s been a lot of discussion recently in the financial services industry about the difference between: (a) creating a financial plan; and (b) doing ongoing
Advisory services offered through Christy Capital Management, Inc., a Registered Investment Advisor.
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