Lifestyle Creep

Join us for our next video: Maximize Annual Retirement Contributions Be Aware: Lifestyle Creep Have you ever found that as you earn more income you spend more?  This is what’s known as lifestyle creep. This means that as your income increases so do your expenses.  So year by year you slowly earn more over time.…

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Financial Design Studio Consolidating Retirement Accounts

What To Consider When Consolidating Retirement Accounts Are you nearing retirement or maybe in retirement?  Or have you had a 401(k) at an old employer and now need to decide what to do with the different accounts?  Can you consolidate them, move them, or need to just leave them where they are? To move a…

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Financial Design Studio Portfolio

What kind of news have we heard this past week that is impacting the financial markets? TAX REFORM First, we’ve seen progress toward tax reform. The House of Representatives passed the 2018 Fiscal Budget which will now move to the Senate for a vote. This step has to happen in order for overall tax reform…

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STEPHEN SMALENBERGER, EA We’ve talked about RMDs and learned about what they are and when they start.  This is now a chance for us to look at how it is calculated, taxed, received and ultimately used. How to calculate an RMD? An RMD (Required Minimum Distribution) comes from accounts like 401(k)s and IRAs.  It is…

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