5 Ways to Improve Your Cash Flow and Invest More

There are multiple ways to increase your cash flow to invest more.

For some people, deciding how to invest is the hard part. But for others, finding extra money to put toward investments is even harder. You know investing is important, and you know the more consistently you do it, the better off you’ll be over time. Luckily, there are steps you can take to make that… Read More


How to Determine Whether a Traditional or Roth IRA Works for You

Roth and Traditional IRAs

When it comes to investing, one size does not fit all. This is especially the case when it comes to deciding whether to go with a traditional or Roth IRA. Depending on your situation, either one could provide certain tax advantages to your financial plan. But you need to know the key differences. The Basics… Read More


The Decline of Pensions Leads to Greater Reliance on IRAs and 401(k)s

Pension Plan

Over the last several decades, there’s been a gradual decline of pension plan availability in the United States. There was a time when people worked longer and collected less in overall pension benefits due to shorter life expectancies. Pension benefits paid over 5 or 10 years to a loyal employee who put in 30 years of service didn’t… Read More


Retirement Income and Systematic Withdrawals

Retirement Income and Systematic Withdrawals

There’s no shortage of articles about the process of accumulating wealth. We spend our working years deferring part of our incomes into retirement plans and establishing various investment strategies to grow and protect our assets. However, there’s less discussion about the process of distributing our money back out to ourselves in the most effective way… Read More


How a Personal Financial Statement Can Guide Your Investment Goals

Personal Financial Statement

As investors, we plan for goals such as retirement, funding college for our children, and perhaps even supporting our parents as they get older. In the financial planning process, there are worksheets we can create and update, which may help us map out the best path towards financial goals and track the progress we’re making… Read More


Investing Implications of Trends in Household Wealth

Geoff Considine

Shifting Wealth A new study released by the Russell Sage Foundation analyzes trends in household wealth over the last twenty years, with a focus on the years surrounding the ‘great recession’ of 2008.  The study examines changes in household net worth for the median household, as well as for the 95th percentile of households by… Read More


Different Perspectives on Home Ownership

Geoff Considine

The question of whether to buy or rent a home is of enormous economic significance for most families. Home equity represents the vast majority of American families’ net worth (see chart below). In a post in mid-2011, I discussed some of the major economic variables in the decision to buy a home. My conclusion was… Read More