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Spotlight Shift to Bonds

March 5, 2021 by Nick Leave a Comment

What to know about interest rates and yields.Here’s what you need to know. One principle of investing is, "when bond yields move higher, bond prices tend to move lower." Investors are doing a "double take" on the 10-year Treasury yield, which recently topped 1.5% — its highest level in about a year. With the increase [...]

Filed Under: 401k, 401k Plans, Retirement, Taxes, Wealth Management

Should You Consider Refinancing Your Mortgage?

August 18, 2020 by Nick Leave a Comment

Should You Consider Refinancing Your Mortgage?Market sees historic lows in mortgage rates. On July 16, mortgage giant Freddie Mac announced that the average interest rate for a 30-year home loan had fallen to 2.98%. In addition, the average interest rate for a 15-year home loan had declined to 2.48%.1 A 30-year mortgage at less than [...]

Filed Under: 401k, 401k Plans, Retirement, Taxes, Wealth Management

What Are Stock Splits?

August 18, 2020 by Nick Leave a Comment

Stock SplitWhat Are Stock Splits?Here’s what you need to know. Two high-profile companies—Apple and Tesla—have announced stock splits in the past few weeks, which makes it a great time to discuss what’s involved when a company announces a stock split. Remember, any companies mentioned are for illustrative purposes only. It should not be considered a solicitation [...]

Filed Under: 401k, 401k Plans, Retirement, Taxes, Wealth Management

Small Business Retirement Plans

June 22, 2020 by Nick Leave a Comment

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How do you pick the most appropriate retirement plan for your business as well as your employees? As a small-business owner, figuring out retirement choices can be a little intimidating.The SECURE Act and CARES Act may complicate the decision. There are three main types of retirement plans for small businesses: SIMPLE-IRAs, SEP-IRAs, and 401(k)s. Read […]

Filed Under: 401k, 401k Plans, Retirement, Taxes, Wealth Management

Should You Leave Your IRA to a Child?

July 2, 2018 by The Goff Financial Group Leave a Comment

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Can a child inherit an IRA? The answer is yes, though they cannot legally own the IRA and its invested assets. Until the child turns 18 (or 21, in some states), the inherited IRA is a custodial account, managed by an adult on behalf of the minor beneficiary.1,2 IRA owners who name minors as beneficiaries […]

Filed Under: 401k, 401k Plans, Estate Planning, Inherited IRA, IRA, Trust Funds, Wealth Management Tagged With: estate planning, Inherited IRA, IRA, Retirement

The Backdoor Roth IRA

May 23, 2018 by The Goff Financial Group

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Does your high income stop you from contributing to a Roth IRA? It does not necessarily prohibit you from having one. You may be able to create a backdoor Roth IRA and give yourself the potential for a tax-free income stream in retirement. The Backdoor Roth IRA, a move that high earners can make in […]

Filed Under: 401k, 401k Plans, Investing, Investment Management, Portfolio Management, Roth IRA, Roth IRA Conversion, Taxes, Wealth Management Tagged With: Backdoor Roth IRA, Retirement

Bundle Up? Not When It Comes To Financial Services

June 3, 2016 by Matthew Goff Leave a Comment

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For many people subscribing to satellite services or cable television over the last couple of decades, the business model has been “bundling services” like television, Internet and phone together for a single rate. However, in this system, many customers are paying for TV channels that they never watch or for a landline that they rarely use. With the increased popularity of “cutting the cord” to cable and satellite TV in order to watch TV series and films on Over-The-Top (OTT) content devices, there have been calls, even from Washington, for a “pay for what you watch” or “a la carte” approach.  Continue Reading …

Filed Under: 401k, 401k Plans, Annuities, Bonds, Debt Management, Fiduciary, Financial Advisor, Investing, Investment Management, Mutual Funds, Portfolio Management, Registered Investment Advisor, Retirement, RIA, Stock Broker, Stocks, Taxes, Uncategorized, Wealth Management Tagged With: CFP, choosing experts, CPA, estate planning, financial planning, financial services, investment advisor

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