Steve Kerby

About Steve Kerby

Throughout over 48 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. Web Site: stevekerby.retirevillage.com
Office: (503) 936-3535 | O.F.G.

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 |2019-09-10T21:22:37+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 |2019-08-12T23:28:37+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 |2019-07-01T12:16:44+00:00June 25th, 2019|Insurance|

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 |2019-03-25T05:59:03+00:00March 24th, 2019|401(k) Rollovers, Retirement Planning|

Who Should Have An Annuity

Annuities, both fixed and variable, are tax deferred investment options which yield higher returns than traditional retirement plans, but with less of a risk than that faced with a direct investment in stocks and mutual funds. Annuities are particularly beneficial under a certain set of circumstances and for certain professions.

By |2019-02-09T19:47:50+00:00February 8th, 2019|Annuities|

What Is a 403(b) Plan?

Learn How a 403(b) Can Expand Your Retirement Options A 403(b) plan, also known as a Tax Sheltered Annuity (TSA), is a retirement plan for employees of public schools and other tax-exempt organizations. It's also called a tax-sheltered annuity (TSA), a tax-deferred annuity, or a 403(b) annuity. Only certain people are eligible to participate in [...]

By |2019-02-21T14:51:10+00:00January 23rd, 2019|Retirement Planning|

Which Bucket Of Money Do I Use First?

Most people who have saved for retirement, college or just an emergency fund, have assets in several different investments, I like to think of each of these as buckets.  Buckets of money.  Once the time comes to consider which bucket to use first, many options arise.  If you have qualified money in a bucket (IRA [...]

By |2019-02-25T08:48:20+00:00March 16th, 2018|Retirement Planning|

Time

        Time: That period between which something happens or exists. It is measurable, it is meaningful, it rules our daily lives, each second, minute, hour, and day…usually kept track of via a time instrument, a watch, a clock, or a calendar.  Virtually everything is a measurement of time.  Time can be referred [...]

By |2019-02-25T08:50:44+00:00January 16th, 2018|Retirement Planning|

How Many Acres Must I Own?

  A new rule enacted by the Department of Labor governing financial advice provided by advisors has thrown the industry into a state of confusion and disarray.    The "Fiduciary Rule" went into effect June 9, 2017, however, any enforcement of the rule has been delayed until January 2018.  New DOL Commissioner Acosta has indicated [...]

By |2019-04-15T21:40:41+00:00July 6th, 2017|Retirement Planning|