By Yann Kostic on the August 2019 Edition If the income from your individual retirement accounts (IRAs) turns out to be more than you actually require in retirement, and you’re looking for ways to pass on some or all of your IRA assets to your heirs, you’ll need to make some choices. The first required minimum distribution […]

By Yann Kostic on the July 2019 Edition It’s easy to make financial mistakes when you’re young, because you can generally recover from them over time. Unfortunately, the same can’t be said as you approach retirement, when you’ll have less room for error. With that in mind, here are five mistakes that are easy to make […]

By  Yann Kostic on the June 2019 Edition Some people believe they risk losing some or all of their money by investing. But did you know that not investing could be even riskier? Let’s say a 35-year-old has decided to invest for her retirement and is putting $750 a month (a total of $9,000 a year) in […]

By Yann Kostic on the May 2019 Edition Ideally, we would all retire debt-free, but we are a nation of borrowers. As of December 2016, the average American household debt totals more than $135,000, according to a Nerd Wallet credit card debt study. Credit card debt for the average household carrying a balance totals more than […]

By Yann Kostic the April 2019 Edition You have inherited a sum of money but have some concerns about how to invest it, as there are many options available to you. Traditional wisdom would be to invest any large sum of money using a method called dollar-cost averaging, which simply means investing it a little […]

By Yann Kostic  the March 2019 Edition When it comes to investing a windfall such as an inheritance or retirement-account rollover (IRA, 401K, etc..)you’ll likely find a large number of different options being discussed in the financial media. But which one of these many approaches is best for you? Dollar-cost averaging, or investing the new […]

 By Yann Kostic  from the February 2019 Edition Step one: Develop a target asset allocation Given your individual financial circumstances and goals, what percentage of your portfolio should be dedicated to each asset class? For example, when close to retirement, some investors may want the majority of their portfolio in as cash and bonds, with […]

By Yann Kostic and Tom Zachystal from the January 2019 Edition Are you getting close to retirement or have you already retired? If so, it is likely you have more than one retirement plan. You’re not alone. Many investors have multiple retirement plans; unfortunately they believe that having several plans makes it difficult to calculate […]

By Yann Kostic and Tom Zachystal  from the December 2018 Edition Sometimes we get lucky through an inheritance, a tax refund, a settlement, a gift, or even winning a lottery. The downside is that we have to figure out what to do with the cash. In such a situation, where do you start?  Understanding how […]

   By Yann Kostic and Tom Zachystal from the November 2018 Edition It is one of the most-asked questions of financial professionals: “If I want my nest egg to support me for the rest of my life, how much of it can I safely withdraw each year?” It is not an easy question to answer, […]