About Steve Kerby

Throughout over 51 years in the financial services industry, Steve has focused on each client’s goals and ambitions and has matched them up with the best possible financial planning options. Website: stevekerby.retirevillage.com

Office: (503) 936-3535 | O.F.G.

Max Out Your 401(k)

When should you, and when should you NOT max out your 401k plan? 401(k)s differ from IRA’s in one significant way: 401(k)s allow current workers under 50 to put away up to $18,000 a year. For those over 50, a special “catch-up “provision will let them put in an additional $6,000, raising that threshold to [...]

By |2021-07-23T19:31:06+00:00August 1st, 2021|401(k) Rollovers, Retirement Planning|

It’s Not Financial Rocket Science

Since it’s your future, it’s good to know that the companies we recommend can meet their financial obligations and should garner the most trust of all the types of investing. Even in the toughest times of economic downturn faced by American and global concerns, these types of companies have enjoyed steady growth and stability with plans to perpetuate their financial strength and to cover all contractual obligations for hundreds of years—not just the next quarter or fiscal year.

By |2021-07-21T17:46:47+00:00July 19th, 2021|Retirement Planning|

When Planning, Don’t Forget These Often Overlooked Retirement Expenses

"There is a massive disconnect between how much money people think they'll need in retirement and their actual expenses once they no longer work.”   Steve Kerby Retirement marketing tends to present highly idealized visions of retirement as a sort of heaven. In retirement, there is no work, no nasty bosses, endless sunshine, road trips, and [...]

By |2021-06-03T21:30:48+00:00June 1st, 2021|Annuities, Retirement Planning|

How Is Bitcoin Changing The Financial World?

“Most people are clueless about Bitcoin. What does it do? Why is it so valuable? What is blockchain? How does this all affect my own money and retirement?”  Steve Kerby A brief history Once relegated to the global financial system's outermost fringes, cryptocurrencies such as Bitcoin and Ethereum have entered the mainstream consciousness in a [...]

By |2021-04-20T17:53:36+00:00April 20th, 2021|Financial Planning, Retirement Planning|

On Time, Tax Benefits, On Target, UnTouchable

"Making contributions to a traditional or Roth IRA dramatically increases your ability to build a bigger nest egg, especially if your employer matches contributions. You want to take advantage of this "free money." Steve Kerby Are you participating in your employer's 401k or IRA plan? If not, you may be missing out on the opportunity [...]

By |2021-07-12T22:22:03+00:00December 8th, 2020|Investing, Retirement Planning|

Use Your Brain To Control Money Making Decisions

The hidden side of personal finance: How your brain works to control your essential money decisions "One of the most stunning things is that the degree to which you act that is driven by mechanisms running under the hood," Dr. David Eagleman, a neuroscientist. The story of the powerful human subconscious is a story few [...]

By |2020-07-06T21:17:00+00:00July 6th, 2020|Retirement Planning|

Avoiding Probate: A How To Guide

If you own bank accounts and want to reduce your exposure to probate with these assets the “payable on death” (POD) option may help you. This option offers an easy method to keep bank account out of probate court. All that is required is a form which most banks can supply naming whomever you want to inherit the money in your account at your death.

By |2020-04-13T18:55:57+00:00September 5th, 2019|Estate Planning|

Are Your Boomerang Kids Retiring With You?

Have you delayed retirement because the obligation to raise and educate your children stayed way too long, long after college?   Don’t feel alone, and many Baby Boomers are experiencing precisely the same “retirement” that you might be facing. Many Baby Boomers have delayed retirement simply because of the need for a higher income, an [...]

By |2020-04-13T18:39:52+00:00August 12th, 2019|Retirement Planning|

Long Term Care Insurance Premiums Increase Continue With No End In Sight

Planning now will go a long way toward helping you have a more peaceful and prosperous retirement. “A couple in their mid-50s purchasing new long-term care insurance coverage can expect to pay just over $3,000 for a potential combined benefit of over $770,000 in coverage should they begin needing care at age 85.”- American Association [...]

By |2020-04-12T23:38:28+00:00June 25th, 2019|Insurance|