What Is Infinite Banking and How To Start Being Your Own Bank (2024 Guide)
Infinite banking is the practice of overfunding a permanent life insurance policy so you can borrow against its cash value. It’s an...
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RetirementGuy
- Aug 15
- 1 min
4 Strategies For Retirees To Protect Against Stock Market Crashes
Are you a pre-retiree or retiree who’s nervous about the recent stock market volatility? Worried that it might be the start of a stock...
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RetirementGuy
- Jul 31
- 1 min
The ‘Three-Legged Stool’ of Retirement Is Missing a Leg
Once, the tale goes, American workers relied upon a three-legged stool for their retirement income: 1) Social Security, 2) pensions, and...
58 views0 comments
RetirementGuy
- Jul 11
- 1 min
Is High Inflation a Good Time for Roth IRA Conversions?
Key Takeaways When it comes to taxes, inflation is great … The rates don’t change, but the brackets expand each year. When they expand,...
53 views0 comments
RetirementGuy
- Jul 11
- 1 min
Asset Allocation For Retirement: Understanding Stocks And Bonds
One of the most common questions in investing is regarding the right asset allocation. The answer truly depends on your needs, risk...
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RetirementGuy
- Jun 13
- 1 min
Tips for Navigating the New FAFSA
It’s not too late to fill out the Free Application for Federal Student Aid—not even for the school year that is just ending. The official...
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RetirementGuy
- May 16
- 1 min
April CPI Report Offers Some Relief: What the Experts Are Saying About Inflation
The April Consumer Price Index (CPI) showed that inflation moderated last month, but a data-dependent Federal Reserve will likely need to...
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RetirementGuy
- Apr 25
- 1 min
Is A Mega Backdoor Roth Right For You? How To Figure That Out
While investing in a mega backdoor Roth isn’t suitable to all investors, if your profile fits the bill, you can avail yourself of a way...
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RetirementGuy
- Apr 11
- 1 min
Test your investment portfolio with this tool
Want a way to see how your portfolio has done, known as backtesting, and see other return and risk metrics? Check out this tool, perfect...
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RetirementGuy
- Mar 28
- 1 min
This 120-Year-Old Principle Will Help You Build Wealth With Less Stress
Roughly 70% of Americans have financial regrets from 2023, according to a Credit Karma study. The most common one is not saving money...
156 views0 comments
RetirementGuy
- Feb 29
- 1 min
What To Invest In If You Have A 4-Year Time Horizon
Investing with a specific time horizon in mind is a critical aspect of financial planning. A 4-year time horizon sets a defined period...
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RetirementGuy
- Nov 16, 2023
- 1 min
Must-Knows About Employee Stock Options
As technology stocks ascended in the second half of the 1990s, employee stock options were the dominant form of equity compensation, with...
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RetirementGuy
- Nov 3, 2023
- 1 min
Federal Reserve leaves its key rate unchanged but keeps open possibility of a future hike
WASHINGTON (AP) — The Federal Reserve kept its key short-term interest rate unchanged Wednesday for a second straight time but left the...
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RetirementGuy
- Oct 19, 2023
- 1 min
The Bucket Investor’s Guide to Setting Retirement Asset Allocation
Off-the-shelf asset-allocation guidance doesn’t vary significantly for people who are still accumulating assets for retirement. Sure,...
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RetirementGuy
- Oct 5, 2023
- 1 min
Best No-Fee High-Yield Savings Rates October 2023
If you’re looking to find a great high-yield savings account, but want to avoid any pesky fees, you’re in luck. Many savings accounts let...
102 views0 comments
RetirementGuy
- Sep 28, 2023
- 1 min
5 Financial To-Dos for Investors in Q4 2023
Susan Dziubinski: Hi, I’m Susan Dziubinski with Morningstar. We’re entering the fourth quarter, and that means the clock is ticking on...
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RetirementGuy
- Sep 28, 2023
- 1 min
What Will a Government Shutdown Do?
The increasing likelihood of a government shutdown is spotlighting several federal agencies. But the IRS has been in the news lately,...
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RetirementGuy
- Sep 21, 2023
- 1 min
Downside protection in your investment account
Are you looking to protect your portfolio from some downside risk but want to avoid an annuity or going all to cash? Have you heard of...
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RetirementGuy
- Sep 14, 2023
- 1 min
Annuities Have an Awareness Problem: Why That Matters
In the 1934 comedy classic It’s a Gift, W.C. Fields’ character encounters an aggressive, slick-talking annuities salesman in an indelible...
51 views0 comments
RetirementGuy
- Sep 14, 2023
- 1 min
The Problem With 401(k) Catch-Up Contributions for 2024
Under SECURE 2.0, if you are at least 50 years old and earned $145,000 or more in the previous year, you can make catch-up contributions...
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