“One overlooked pitfall of retirement planning that can wreak havoc on your portfolio is “uncompensated risk.”- Gary Stewart Even the least sophisticated investors accept that higher rewards aren’t possible unless one is willing to take more risks.” No risk, no gain” is one of the most widely-accepted tenets of modern investing. However, financial academics and […]
“Annuities were never designed to be 100% liquid. However, modern annuities are now created with features that make your cash significantly more accessible.”- Gary Stewart. Some consumers’ understandable objection to deferred annuities is the perceived inability to access their cash in an emergency without heavy penalties. Annuities are tax-advantaged retirement income tools. As such, they […]
“Direct indexing isn’t exactly a new financial strategy. However, it has become increasingly popular lately due to declining trading costs.”- Gary Stewart. Any investment choices you make need to align with your risk tolerance, your desire for liquidity and control, and your overall financial goals. That being the case, if you like the idea of […]
“To paraphrase John Cougar Mellencamp, businesses can go on “long after the thrill is gone.” If you are a small business owner, do you recognize the signs it’s time to quit?”- Gary Stewart If you’re like most business owners or self-employed professionals, you’ve probably wondered how life without employees, inventory, marketing, and stress looks. Maybe […]
“You didn’t get a deduction for that bedroom set when you bought it. But if you sell it at a garage sale, you might wind up with a tax bill unless you’re careful”- Gary Stewart Starting January 1, 2022, anyone receiving $600 or more in payments for goods and services through third-party payment companies […]
“Protecting your paycheck is a crucial consideration. Don’t underestimate the impact an income-disrupting injury or illness could have on your retirement plans.”- Gary Stewart Is your paycheck protected? An essential asset most Americans possess is the ability to work and earn a paycheck. So, what happens if you lose your ability to make […]
After running multiple scenarios against actual financial market returns and inflation rates between 1926 and 1992, personal finance guru William Bengen articulated the well-known “4% Rule”. Bengen was surprised to discover that, despite stock market crashes and economic downturns, portfolios with 50% equities and 50% bonds did not typically run out of money for 30 […]
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