Blog

July 9, 2018

Determining Tax on Roth IRA Distributions in 5 Easy Steps

What are the ordering rules? Roth IRA distributions can consist of contributions, converted funds and earnings – or any combination of the three. To determine what your distribution is, you must use "ordering rules" which dictate the order in which these categories of Roth IRA money must be withdrawn. All Roth IRAs are considered one Roth IRA for ... Read More
July 9, 2018

Countdown to Retirement: A Five-Year Plan

For most of your working life, it wasn’t exactly a pressing concern. You might have pondered it for a few minutes as you skimmed your company’s benefits handout, checking to see if your new glasses were covered or if you’ll be reimbursed for your gym membership. Retirement was more like a vague, distant concept rather than something that would actually happen one day. Read More
July 9, 2018

Jobs Push Stocks Up – July 9, 2018

Domestic stocks only traded for 4 days last week, due to the Independence Day holiday. In that time, all 3 major domestic indexes posted positive results for the week. The S&P 500 added 1.52%, the Dow gained 0.76%, and the NASDAQ increased 2.37%.  International stocks in the MSCI EAFE were up as well by 0.56%. Read More
July 2, 2018

Protecting an IRA from Prohibited Transactions in 5 Easy Steps

What is a prohibited transaction? A prohibited transaction occurs when an IRA owner uses IRA assets in a self-serving or self-dealing manner that improperly benefits the IRA owner. Read More
July 2, 2018

What a Bear Market Means For Retirement Savings

(The opinions expressed here are those of the author, a columnist for Reuters.) CHICAGO, June 27 - Joseph Gallagher was starting to think about retiring from his construction job in 2008 when the bear market “beat me up pretty badly,” he said. Gallagher waited until 2013 to retire. Now, at age 67, he is taking no chances. Read More
July 2, 2018

Trade and Tariffs Rattle Markets – July 2, 2018

International trade concerns continue to create uncertainty in markets around the world.  Despite the markets’ slight rises on Friday, June 29, they recorded losses for the week.   The S&P 500 fell 1.33%, the Dow gave back 1.26%, and the NASDAQ dropped 2.37%.  Internationally, the MSCI EAFE declined 1.10%. Read More
June 25, 2018

Winners and Losers in a Trade War

Since President Donald Trump announced stiff tariffs on Chinese goods, as well as on U.S. allies, the stock market has trended lower. For perspective on what may lie ahead, we turn to Nicholas Atkeson and Andrew Houghton, the founders of Delta Investment Management in San Francisco, for guidance:

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June 25, 2018

The Power of Corporate Earnings – June 25, 2018

Stocks stumbled across the globe last week as trade tensions continued to escalate. Despite rebounding somewhat on Friday, the S&P 500 experienced its first weekly loss in a month, and the Dow posted its worst week since March.  The S&P 500 dropped 0.89%, the Dow lost 2.03%, and the NASDAQ fell 0.69%.  International stocks in the MSCI EAFE gave back 0.98%. Read More
June 19, 2018

Don’t Panic

The sudden stock market drop of February 2018 took many investors by surprise. The U.S. Dow fell 7%. Other world markets also tumbled: Japan’s Nikkei by 4.7%; Hong Kong stocks, 5.1%; and London’s FTSE 100, nearly 2%. One day after the notorious plunge, the market surged 381 points, but by close of the same day, the increase had disappeared. Read More
June 18, 2018

Beneficiary Form Checklist

Follow-ups should be added to the To Do list at the end of this checklist. Read More