Planning for Incapacity: Four Essential Documents

By Carl Trevison and Stephen Bearce   Planning for Incapacity: Four Essential Documents   Preparing for worst-case scenarios brings peace of mind during the best of times. Here’s why. Tom was a healthy 43-year-old approaching the height of his earning power and living the happiest days of his life. He had a great job that […]

Stretch IRA Strategy and Your Estate Plan

By Carl Trevison and Stephen Bearce   Stretch IRA Strategy and Your Estate Plan   Most Americans understand an Individual Retirement Account (IRA) can provide a powerful way to save for retirement. But what many don’t know is an IRA can also be an effective estate-planning tool.   If one of your goals is to […]

Decipher Your Investment Puzzle

By Carl Trevison and Stephen Bearce   Decipher Your Investment Puzzle   When you set up your investment portfolio, you probably also settled on an asset allocation strategy — for instance, 60% stocks and 40% bonds. You, perhaps with the help of your Financial Advisor, determined that this particular balance of investments could help you […]

Challenges of Fixed-income Investing

By Carl Trevison and Stephen Bearce   Challenges of Fixed-income Investing   Your parents and grandparents may have known better about lots of things when you were younger. But you probably shouldn’t be following their example when it comes to managing your money in retirement.   “Most retirement income for [our] parents’ and grandparents’ generation […]

Investing vs. Paying Off Debt

By Carl Trevison and Stephen Bearce   Investing vs. Paying Off Debt   The debt dilemma   The process for eliminating debt is anything but an easy-to-solve financial equation. Many people wonder if they should pay off their debt as quickly as possible or invest their money, letting debt payments run their course.   The […]

Challenges of Fixed-income Investing

Challenges of Fixed-income Investing   Your parents and grandparents may have known better about lots of things when you were younger. But you probably shouldn’t be following their example when it comes to managing your money in retirement.   “Most retirement income for [our] parents’ and grandparents’ generation came from Social Security and a defined-benefit […]

Comparing IRA Choices: Roth vs. Traditional

By Carl Trevison and Stephen Bearce   Comparing IRA Choices: Roth vs. Traditional   Which one is right for you?   With the decline of corporate pensions and the aging U.S. population putting stress on the Social Security system, the burden of saving and planning for retirement falls increasingly on individuals. This is especially true […]

Investing vs. Paying Off Debt

By Carl Trevison and Stephen Bearce   Investing vs. Paying Off Debt   The debt dilemma   The process for eliminating debt is anything but an easy-to-solve financial equation. Many people wonder if they should pay off their debt as quickly as possible or invest their money, letting debt payments run their course.   The […]

Seniors: Helping Prevent Investment Fraud

Seniors: Helping Prevent Investment Fraud Protecting your retirement nest egg and sustaining your retirement income are challenging enough. Taking precautions to help guard your investments from fraud is important. People who are older can be common targets for fraud and financial crimes. Scam artists and unscrupulous sales people target seniors, who are often seen as: […]

Manage Your Finances as You Near Retirement

Financial Focus By Carl Trevison and Stephen Bearce   Manage Your Finances as You Near Retirement   As your target retirement date gets closer, what was once an abstract concept may now feel more like a reality. This life event can provoke different feelings for different people. While some might feel excited about the possibilities […]