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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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.

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.

in by Generation Capi... read more

1st Quarter Roundup

Just like many of us have labored through a very difficult winter, the financial markets themselves experienced many hazards throughout the first three months of 2014. Stock markets vacillated up and down this quarter as worldly events kept investors unsure about direction and sustainability. Major US stock markets were flat through March, an accomplishment since they rebounded from a five percent correction in January. Overall, international markets were weaker with emerging markets performing the poorest.

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The Household Budget Dilemma

One of the most dreaded family activities is sitting down at the kitchen table to create a budget. Somewhere along the way the mere thought of budgeting has people running the other way. Merriam-Webster dictionary defines budget as, ‘an amount of money available for spending that is based on a plan for how it will be spent.’ Just reading the definition has my head spinning, and I enjoy assisting people with this task.

in by Generation Capi... read more

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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Saving for College with a 529 Plan

When doing research on the expenses kids face while attending college, I came across this news heading, ‘Food pantries on the rise at US college campuses as students struggle with increasing expenses.’ With the average tuition for a private college for the 2013-2014 school year at $30,094, it’s no wonder this headline reached national news over the weekend. Part of our job as financial consultants is to educate consumers so they can make the right decisions to protect their financial futures.

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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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Market Recap, Outlook and Predictions for 2014

Happy New Year! As we step into 2014, reflecting on market trends and the economy of 2013 can provide insight into our investment strategy going forward. In 2013, we saw strong returns in US and Developed International stocks while bonds, precious metals, and emerging markets were weak. The Dow Jones Industrial Average and S&P 500 closed the year at all-time highs.

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Reduce Your Taxes and Improve Your Financial Position

It’s that time of year, again, when our plates are full with holiday parties, giving back to the community and making sure our financial house is in order.  Sometimes the latter is put on the back burner and often forgotten.  Therefore, I thought the following outline would be beneficial to answering this important question, ‘With the end of the year quickly approaching, what are some important tax and financial planning measures we can take to reduce our taxes and improve our financial position?’

in by Generation Capi... read more

With all the headlines, are you wondering what to do and where to go? Our latest newsletter will help guide you.

Stock markets continued their upward trend during the summer as the Dow Jones Industrial Average, S&P 500 and NASDAQ posted positive results.  Stronger corporate earnings as well as continued economic strength bolstered equity investments.  Bond markets, on the other hand, remained under pressure amidst talk of the Federal Reserve tapering their open market fixed income purchases. 
 

in by Generation Capi... read more