Blog Topics

Financial Plan vs. Estate Plan-What’s the Difference?

By Shea Newton | September 13, 2021

A Financial Plan is a look at your current financial health and a map to help you reach your goals. It looks at income, expenses, assets, and debt. If you keep all four of these in balance, you should have enough money to invest in a way that matches your risk tolerance. A well-designed plan puts you on track to reach your goals.

IRA Beneficiary Designations

By Shea Newton | August 30, 2021

As you may know, the Secure Act put an end to the Stretch IRA. The stretch IRA is the ability to stretch the IRA distributions over the beneficiaries’ lifetime. Let us look at the new rules to see how this may impact your current situation.

What Happens To Your Accounts At Death?

By Shea Newton | August 23, 2021

Typically, all retirement accounts have named beneficiaries and do not go through your will. That being said, you do have to name the beneficiaries. If you do not have named beneficiaries, then most likely, the account will pass by your will. If you do not have a will—then the state you live in dictates what happens.

Leaving your 401k After Separation From Employment

By Shea Newton | August 16, 2021

There are pros and cons to leaving your 401k plan with your previous employer that should be evaluated before any moves are made. This is not an exhaustive list, just some main points to get you thinking about things that are involved.

ROTH IRA’s – Why the Hype?

By Shea Newton | August 9, 2021

There has been a lot of talk in the media recently about ROTH IRA’s, Backdoor ROTH IRA’s, and Mega Backdoor ROTH IRA’s? The biggest reason for this is because we are in such a low tax environment. Do we know what the tax landscape will look like when we need the money? No, but we do know that now we are dealing with low rates, and we can choose to pay these low rates and deal with what we do know.

Fee Only vs Fee Based

By Shea Newton | August 2, 2021

You’ve probably heard of fee-only financial advisors. But what does this mean? When you invest with a fee only advisor, you can be confident that your best interests are their priority because there’s no incentive to push products or services just to make money.

Tips for Keeping Your Home WiFi Secure

By Shea Newton | July 26, 2021

With so many devices connecting to your home wifi and all the “smart” devices that are coming out, you’re more exposed than ever. This post will teach you how to keep your home network secure.

Buying or Selling Your Home

By Shea Newton | July 12, 2021

With interest rates so low, many people are taking advantage of this time and buying new homes so that they can lock in a low mortgage rate for 30 years. The advantage to locking in a low interest rate when purchasing (or refinancing) is that the principal and interest is fixed. You may have seen […]

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