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The Goff Financial Group

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Inflation and Retirement

October 12, 2022 by Robert Seal

Inflation – even minor inflation – reduces purchasing power over time. Like the famed economist Milton Friedman once said, it's the hidden tax that creeps up on us because it is not legislated. Inflation slowly reduces the dollar's value meaning each dollar will buy less and less. Many people look to the Bureau of Labor [...]

Filed Under: 401k, 401k Plans, Bonds, Fixed Income, Interest Rates, IRA, Markets, Pension, Retirement, Stocks, Wealth Management

How To Select A Financial Advisor

December 22, 2021 by Robert Seal

how to select a financial advisorTypes of Financial Advisors (and which ones you should avoid) Types of Advisors Before beginning your search, it is essential to understand the difference between financial professionals, many of which may be called "financial advisors." We've all gone to the doctor's office, but just because they are in the business of medically healing patients, not [...]

Filed Under: 401k, 401k Plans, Fiduciary, Financial Advisor, Investment Management, IRA, Registered Investment Advisor, Retirement, Wealth Management

Sequence of Returns Risk

September 29, 2021 by Robert Seal

When buying a home, you probably know a lot of the potential risks such as the risk your home will go down in value over time or the risk that your home will require a lot of maintenance after purchase.  In the same way, knowledgeable investors are aware that investing in the capital markets presents any number of risks – interest-rate risk, company risk, and market risk. Risk is […]

Filed Under: Financial Markets, Investment Management, Markets, Retirement, Risk Management, Stocks, Taxes, Wealth Management

Learning from Biases and How They Affect Our Financial Choices

August 23, 2021 by Robert Seal

“Men willingly believe what they wish.” – Julius Caesar  The Roman Emperor Julius Caesar was alluding to bias, which happens when individuals process information around them and then stick to their preconceived ideas. Bias can happen in financial matters too, and even the most seasoned investors are subject to them. When dealing with emotions, investors are [...]

Filed Under: Investing, Market Forecasts, Markets, Risk Management, Stocks, Wealth Management

Tuning Out the Noise from the Financial Media

June 25, 2021 by Robert Seal

Image used under license from Freestock.com When asked what to watch out for when it comes to investing, clients may expect us to tell them about a specific stock to avoid, or something similar. But our answer is often far different. One of the biggest things you may want to watch out for is actually the financial media. [...]

Filed Under: Exchange Traded Funds, Federal Reserve, Financial Advisor, Financial Markets, Investing, Investment Management, Market Forecasts, Markets, Wealth Management

What Are Stock Splits?

August 18, 2020 by Nick 44 Comments

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 38 Comments

Small-Business-Retirement-Plans

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

Why You Might Want to Create a Donor-Advised Fund

November 10, 2018 by Nick 24 Comments

goff-financial-donor-advised-fund-houston

Do you regularly donate to charities and other non-profit organizations? Then you may want to open a Donor-Advised Fund. Donor-Advised Funds are becoming popular. It is easy to see why. They offer potential tax perks, and in some instances, a chance to grow money set aside for charitable gifting.1,2 It is all too easy to […]

Filed Under: Donor Advised Funds, Estate Planning, Fiduciary, Financial Advisor, Gifting, Wealth Management

Are Your Beneficiary Designations Up to Date?

September 27, 2018 by Nick 30 Comments

beneficiary-designation-goff-financial-houston

Here’s a simple financial question: Who is the beneficiary of your IRA? How about your 401(k) or annuity? You may be saying, “I’m not sure.” It is a good idea to periodically review your beneficiary designations. Your choices may need to change with the times. When did you open your first IRA? When did you […]

Filed Under: Estate Planning, Financial Advisor, IRA, Retirement, Roth IRA, Trust Funds, Wealth Management Tagged With: beneficiary

Starting a Roth IRA for a Child or Grandchild

August 21, 2018 by Nick 28 Comments

Do you have a child or grandchild earning some income? Indirectly, that after-school or summer job might present a savings opportunity for that teenager. You could help your child or grandchild save for future goals by assisting them to create and fund a Roth IRA. So many people wish they had begun saving for retirement […]

Filed Under: Estate Planning, Inherited IRA, Investing, IRA, Retirement, Roth IRA, Uncategorized, Wealth Management

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