Information CenterResources for WRDR clients
Many people prefer to have some conservative holdings in their IRA's and other retirement accounts. This century has already produced two nasty bear markets (in 2000-2002 and 2007-2009). If a third downturn occurs, investors will be glad they held some defensive...read more
The College Board reports that the average published charges for tuition, fees, room, and board at private, nonprofit, four-year schools were over $45,000 in the 2016-17 academic year. At public universities, the average charge was around $20,000 for state residents....read more
A staple in retirement planning is the search for "your number." That is, how much money do you need to accumulate in savings and investment accounts so you can afford to stop working? Life expectancy is increasing, so the amount you have when you retire might have t...read more
The second-best investment you can make is paying off high interest rate debt (see CPA Client Bulletin, August 2016). That could come after you've contributed enough to your 401(k) to get a full match from your employer. What should come next? If you have no expensive...read more
Studies indicate that savvy asset allocation may lead to long-term investment success. Individuals can find a desired mix of riskier asset classes, such as stocks, and relatively lower risk asset classes, such as bonds. Sticking with a chosen strategy might deliver...read more
IRS data indicate that fewer than 1% of all individual income tax returns are audited each year. That's true, but some taxpayers are more vulnerable than others. For starters, the IRS is more likely to audit taxpayers who report high incomes because that's where...read more
As of this writing, major U.S. stock market indexes are at or near record highs. This bullish run might continue...or it might end with a severe slide. Here are some strategies to consider. What's Inside Playing Defense as Stock Prices Soar Holding Down Premiums for...read more
Workers under age 70.5 can deduct contributions to a traditional IRA, as long as they are not covered by an employer's retirement plan. The same is true for those workers' spouses. What's Inside After-Tax Dollars in Traditional IRAs "Combo" Products for Long-Term Care...read more
A new year begins with celebrations, resolutions, and dual IRA opportunities. Most workers and their spouses have until April 18, 2017 (April 19 in some states), to contribute to an IRA for 2016. At the same time, contributions to 2017 IRAs are now permitted; the...read more
Anecdotally, retirement finances formerly were based on a “three-legged stool.” After people stopped working and no longer had earned income, their cash flow would come from Social Security, personal savings, and a pension from a former employer. This pension would...read more
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