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The Myth of No-Cost Fixed Annuities

Some financial salespeople tout annuities as a better way to protect and grow your money. They’ll often say things like ‘no cost’ or ‘stock-market-like returns’ neither of which are true. Even smart people can get caught up in the hype. … Continue reading

Roth Conversions Even More Beneficial in 2018

With the Tax Cuts and Jobs Act, passed late in 2017, federal income tax rates are currently at historic lows. These lower rates in effect for tax years 2018 through 2025. In 2026, however, rates will revert to higher rates … Continue reading

Three Apps to Easily Track Your Spending

Every financial plan needs to make assumptions on spending. Getting accurate information on spending is often most challenging but critically important. If you don’t get the inputs to your plan right, good luck with the outputs. We’ve rounded up our … Continue reading

Understanding Mutual Fund Total Costs

Costs matter. Whether you’re buying a car or selecting an investment strategy, the costs you expect to pay are likely to be an important factor in making any major financial decision. People rely on different information about costs to help … Continue reading