You did the textbook thing — maxed the HSA, invested it, let it grow for retirement healthcare. California has been taxing it the entire time, and most account holders find out years in.

Most investors believe they must choose between the scale of large financial firms and the personalization of smaller advisors. In reality, a different structure exists. This article explores how separating advice from infrastructure—through independent advisors and custodians like Schwab—can deliver both institutional capability and tailored planning, and why that matters for building a coordinated retirement strategy.

Rising prices are a significant risk to retirement. That’s why it’s critical to save as much as you can and invest it to keep pace with or beat inflation over time.

The stories that are told about an economy or events that may affect that economy can be powerful because they also can influence human behavior and affect investment decision-making.

A house is a big investment, so it’s important to do the research and develop some checklists that can help them compare and evaluate the options available to them.

Personal finance includes managing your money as well as saving and investing. It encompasses budgeting, banking, insurance, mortgages, investments, and retirement, tax, and estate planning.

After years of relatively low inflation, the last couple of years have been an important reminder that investors need to consider inflation as they invest for the future.

You may not be an Olympian, but you can reward yourself for your hard work by saving and investing for the future.

Learn the essential facts about Required Minimum Distributions (RMDs) for your IRA. Understand RMD rules, deadlines, calculations, and penalties. Get expert advice to manage your retirement savings effectively.

During elections, political polls tend to be abundant. Polling organizations gather data using a variety of methodologies and then publish information that purports to reflect the public’s views.

Learn how to avoid rollover mistakes with your required minimum distribution (RMD). Understand the rules, common errors, and steps to correct excess contributions to ensure compliance and avoid penalties. Get expert advice to manage your retirement savings effectively.

Beneficiaries are the people who will inherit your assets –savings and investment accounts, life insurance policies, homes, cars, and other possessions. In general, there are two ways to name beneficiaries.

Prepare for the seven key life events that impact baby boomers' finances and investments. Learn about estate planning, health care, retirement, and managing multiple income sources. Consult a financial advisor to secure your future.

Whenever lottery jackpots swell, a wave of interest seems to roll across the United States. If people saved and invested instead of spending on lottery tickets, they could have more to show for it.

Discover essential 2024 tax tips from Certified Financial Advisor Christian Cordoba to reduce your taxes and grow your wealth. Learn about tax deductions, tax-efficient investing, and more.

The investment advisory firm of Bad Santa & the Grinch continues to disseminate misinformation and lousy, no good, rotten-to-the-core IRA advice. These two unsavory characters take great joy in fouling up not only your holiday, but also the qualified status of IRAs.

If the Grinch and Bad Santa both passed their FINRA Series 7 exam and decided to open an investment advisory firm, I’m pretty sure they would combine forces to intentionally deliver some of the WORST financial advice possible.

Learn how to manage RMDs when IRA assets are illiquid. Avoid penalties with smart withdrawal and planning strategies.

If you are thinking of buying an NFT (non-fungible token) with your IRA funds, you may want to reconsider. In Notice 2023-27, the IRS said that NFTs associated with “collectibles” are prohibited IRA investments. This could expose you to significant taxes and penalties.

Whether it is making smoothies, serving tables, or being a camp counselor, a summer job can teach life skills and give a first opportunity to manage finances. An important part of managing finances is saving for the future.

Explore potential impacts of not raising the debt ceiling by the deadline, with insights from investment managers, economists, and retirement planners. Learn how this could affect your financial strategies and retirement plans.

Learn how to build a socially conscious investment portfolio and invest in your beliefs.

With inflation hovering near 40-year highs, you may want to consider an investment that can keep up with prices. Here’s how to get started with I Bonds.

Learn five effective steps to set up and manage your startup budget. Stay financially stable and scale your business with smart, simple planning.

Whether you’re new to the stock market or a seasoned investor, it can be hard to keep your emotions in check.

Ask these 10 essential questions to ensure your financial advisor has the expertise to manage your retirement and IRA planning confidently.

This article provides high-level details about what a 1031 Exchange is and when a person should consider one for their investment and real estate strategies.

Do your clients and prospects understand how compound interest might help or hinder them in their investments? Teach them with our new article.

Do your clients and prospects fully understand inflation, and what it means for their investments? Educate them with our latest article.

Passive income allows for an accumulation of wealth without a person’s direct involvement once the initial investment has been funded. Think rentals, stocks, bonds, etc.

More than 80 million Americans invest in REITs either directly, through mutual funds or directly through exchange-traded funds. Are they right for you?

Feeling uneasy about your investments? It may be time to take a second look at what’s going on in your portfolio & make some decisions.

Learn how dollar-cost averaging works, its benefits, risks, and when this investing strategy makes sense based on risk tolerance and market conditions.

Signs it may be time to take the next step in your investing journey & ditch the DIY investing approach by finally hiring a professional.

Health is an investment, too. Let’s talk about how HSAs, FSAs and procedure strategies can help.

This article is designed to help your clients understand the basics of investing by breaking down the four types of financial markets.

This article will help your clients understand how to think about, discuss, and begin to create actionable goals, with you as an integral part of their team.

Is purchasing an annuity a smart investment for your financial future? Read on to learn more about the pros and cons of annuities.

Selecting the right investment options for retirement can help you stay prepared for unexpected expenses and a longer life expectancy. Learn more about your options and important considerations as you navigate retirement.

These behavioral finance books help investors manage emotions and improve decisions. Learn what to read and how it applies to your investment strategy.

Having a tax-focused understanding of your investments is an important component of preserving wealth. Here are a few tips for high-earners.

When it comes to money, there are four ways you can more effectively manage your finances so you remain in control of your spending habits.

Explore 4 ways that momentous events can affect investment decisions — and how to remain balanced amidst the fear.

"I don't look to jump over seven-foot bars; I look around for one-foot bars that I can step over." — Warren Buffett

This article will help your clients understand modern portfolio theory and behavioral theory, and how this can help them understand their own investing styles better.

This article details the different types of insurance that are a necessary part of a healthy financial plan.

What makes up your investment portfolio? Read on to learn more about asset allocation and how you can balance potential risks and rewards.

Athletes excel at investing with discipline and strategy. These books teach financial skills, smart decisions, and long-term investment success.

These books will help you understand not only the market today, but the history that has made it what it is. Have you read any on the list?

This article explains the pros and cons of dollar-cost averaging and the role it plays in investing.

Managing portfolio risk can be difficult for even the savviest of investors. These risk management basics can help.

Understanding diversification is the first step in building a strong portfolio. Are you ready to weather the storm?

Now that required minimum distributions from retirement accounts are back for 2021 after being waived in 2020, you should look before you leap if you’ll owe RMDs this year. I’ll outline three commonly overlooked strategies by many retirement advisors, investment advisors, and financial consultants alike, that are good for you to at least know about especially if you own a large IRA. Note that this recommendation applies not only to most account owners who are 72 or older in 2021 but also to retirement account beneficiaries subject to RMDs.

In uncertain times, our highest priority is helping our clients keep emotions out of investing and ensuring you remain focused on your long-term financial goals.