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The Goff Financial Group

Fee Only Financial Advisors

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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

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

How to Protect Yourself and Your Money From Hackers and Identity Thieves

September 18, 2017 by Matthew Goff 39 Comments

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As you may have heard, Equifax, which is a credit reporting agency, suffered a data breach that compromised the personal and financial data of more than 143 million Americans.1 The information accessed included names, Social Security numbers, birth dates, addresses and, in some instances, driver’s license numbers. While this data breach is the largest in recent memory, these types of occurrences have become all too common and put us all at increased risk of identify theft. Unfortunately, the risks of identity theft extend beyond to just identity thieves taking out loans in your name. Fortunately, there are steps you can take to protect yourself.  Continue Reading …

Filed Under: Credit, Credit Reporting, Financial Advisor, Financial Markets, Identity Theft, Security, Social Security Tagged With: Credit Report, Data Breach, Equifax

Do you know the difference between a fee-based advisor and an independent, fee-only advisor?

June 8, 2017 by Matthew Goff 31 Comments

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This is a very important question as how your advisor is compensated may create conflicts of interest, which can lead to significant financial consequences for you and your family. As brokers and insurance agents have changed their job titles in recent years to “advisors” and have replaced commissions with fees as their primary method of compensation, such conflicts of interests are not as easy to see today but are still there if you know where to look. Such conflicts are also not hard to find if you know what questions to ask.  Continue Reading …

Filed Under: Financial Advisor, Investment Management, Portfolio Management, Stock Broker, Wealth Management Tagged With: Conflicts of interest, Fee-Only Financial Advisor

Bundle Up? Not When It Comes To Financial Services

June 3, 2016 by Matthew Goff 27 Comments

cpa-financial-advisor-services-houston

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

Annuities: Are They a Good Option in Turbulent Times?

March 22, 2016 by Matthew Goff 27 Comments

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As Americans get older and the stock market goes through a periodic decline, the temptation to decrease risk over fears of running out of money makes people turn to annuities, according to the recent New York Times article entitled “Annuities as an Alternative to Shaky Markets? Not So Fast.” Single Premium Immediate Annuities (SPIA) are an especially enticing option as Americans near retirement, because by paying an upfront premium, persons can draw a payment periodically for the rest of their lives.  Continue Reading …

Filed Under: Annuities, Fixed Income, Interest Rates, Investing, Lump Sum, Pension, Retirement, Wealth Management

Objective Investment Advice You Can Use

September 2, 2015 by Matthew Goff 27 Comments

Stock-Market-Downgrade-And-Your-Invesmtents

As you probably saw last week, global stock markets dropped sharply in value. There are a number of factors contributing to these recent declines including expectations of higher interest rates, falling oil prices and an economic slowdown in China.

As our focus is on the long-term, we welcome periods of sharp market declines as falling prices often produce for our clients buying opportunities with less risk. Also, periods of sharp market declines are historically normal and to be expected when investing in the stock market.   Continue Reading …

Filed Under: Bonds, Credit, Currency, DJI, Economy, Equities, Expense Ratios, Federal Reserve, Financial Markets, Investing, Investment Management, Lagging Indicators, Leading Indicators, Market Forecasts, Markets, Portfolio Benchmarking, Portfolio Management, Registered Investment Advisor, RIA, S&P 500, Wealth Management

Finding Your Financial Advocate

June 10, 2015 by Matthew Goff 29 Comments

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When it comes to getting objective advice for your financial well-being, do you know the difference between being a customer and being a client? Understanding the difference between the two can make all the difference in the world, especially for financial services. A customer relationship is driven by a transaction taking place, such as buying […]

Filed Under: Fiduciary, Financial Advisor, Investment Management, Registered Investment Advisor, Wealth Management

What should I do with my stock options?

June 10, 2015 by Matthew Goff 339 Comments

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If you’re holding stock options from your employer, our Employee Stock Options Strategy will help you answer these questions: Should I exercise my options now or risk holding out for a higher price in the future? What are the tax consequences of exercising my options? How do my company stock options impact my overall portfolio? […]

Filed Under: Employee Stock Options, Options, Options Strategy, Stock Options, Taxes

Should You Follow Market Forecasters?

June 3, 2015 by Matthew Goff 43 Comments

USA Today recently published an interesting article titled “How bad are Wall Street forecasts? Really bad.” The article reviews why you are probably better off ignoring financial advisors who try to predict the market. Not only is their combined track record horrible over time, you may get better results by simply tossing a coin – […]

Filed Under: Economy, Financial Markets, Investing, Lagging Indicators, Leading Indicators, Market Forecasts, Markets, Portfolio Benchmarking, S&P 500, Stocks Tagged With: Market Forecasts

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