retirement
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  • warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected the timezone 'UTC' for now, but please set date.timezone to select your timezone. in /var/www/vhosts/gencapmgmt.com/httpdocs/sites/all/themes/ctheme/node-blog.tpl.php on line 68.
  • warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected the timezone 'UTC' for now, but please set date.timezone to select your timezone. in /var/www/vhosts/gencapmgmt.com/httpdocs/sites/all/themes/ctheme/node-blog.tpl.php on line 65.
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  • warning: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected the timezone 'UTC' for now, but please set date.timezone to select your timezone. in /var/www/vhosts/gencapmgmt.com/httpdocs/sites/all/themes/ctheme/node-blog.tpl.php on line 65.
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3rd Quarter Market Commentary

The investment landscape became unsettled during the summer months due to a combination of geopolitical risks, interest rate policy uncertainties and mixed economic data figures. Additionally, market and investor participation are historically much lower as volumes stagnate due to a greater number of “vacationers” causing higher volatility in the markets. This all led to a whipsawed market where single data points or events had greater influence on stock and bond prices.

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The Gift of a Roth IRA

If you are currently involved with your company’s retirement plan and have noticed a new addition of a Roth 401(k), you are not alone. The Roth IRA, or Roth 401(k), is picking up a lot of traction, rightfully so. If you have never heard of a Roth IRA before, don't worry, I will outline what a Roth IRA is and the benefits of contributing to one.

What is a Roth IRA?

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The Retirement Plan Fiduciary: 3(21) vs. 3(38)

Continuing with the ‘Fiduciary’ theme from our last blog post, and since Plan Sponsors are increasingly looking for investment advisors who can shoulder some of the fiduciary burden related to offering employee retirement plans, I thought it would be beneficial to write about the difference between a 3(21) and 3(38) retirement plan fiduciary.

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The Prize of Postponing Social Security

One of the biggest financial decisions we face in our lifetime is deciding when to start taking Social Security benefits. You can start as early as 62 years old or wait until you reach the age of 70. It sounds simple; take the money as soon as you can, why wait to start collecting on something that is owed to you? Au contraire, according to a recent study in the Journal of Financial Planning, waiting to collect your benefits can boost a dual-income couple’s benefit by an average of 6% - and sometimes by much more.

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Rolling over your 401(k) to an IRA: 6 Benefits

There are approximately 10,000 baby boomers reaching the age of 65 each and everyday for the next 15 years. A Baby Boomer is a cultural term used to describe anyone born between the years 1946 and 1964. Anyone born during the span of those18 years would be between 50 and 68 years old today placing them at or within the years of retirement. This is why you may hear the term, ‘Baby Boomers’ associated with retirement from time to time.

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The Retirement Shortfall

Over the weekend, I came across some startling statistics that reaffirmed my belief that Americans are not saving enough for retirement. After learning some cold hard facts, I wondered, ‘Is this a new dilemma or have Americans always been without savings?’

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Making a Contribution to Your IRA for 2013

A frequent question we get asked is, ‘Can I still make contributions to my retirement account for 2013?’  The answer is, Yes and No.

It’s not too late to make a contribution to your IRA and/or Roth IRA for the 2013 tax year.  All contributions MUST be made by the tax filing deadline which is April 15, 2014.  We would be happy to review if you or your spouse qualifies for an IRA and/or Roth IRA contribution for 2013.

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