Tag Archives: retirement plans

Using an IRA Trust

trust being broken down into alma mater children grand children spouse

What is it? What kind of benefit could it provide?

Provided by Reeve Conover, Conover Consulting

Seemingly everyone has heard of an IRA, but few people know about IRA trusts. Perhaps more people should, for an IRA trust may provide a way to “stretch” IRA assets for decades to benefit multiple generations.

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Building an Emergency Fund

hand turning knob to invest instead with spend and save options

Everyone should aim to have a cash reserve.

Provided by Reeve Conover, Conover Consulting 

We all would love to have a little extra cash on hand for emergencies. Saving up that cash can be a challenge – but with a little effort, that challenge can be met.

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Active and Passive Investment Management

clock with hands on investment

What do each of these terms really mean?

Provided by Reeve Conover – Conover Consulting

Investment management can be active or passive. Sometimes, that simple, fundamental choice can make a difference in portfolio performance.

During a particular market climate, one of these two methods may be widely praised, while the other is derided and dismissed. In truth, both approaches have merit, and all investors should understand their principles.

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If Interest Rates Rise, What Happens to Bonds?

image of increase in interest rates

Investors in longer-term Treasuries could really be punished.

Are bond investors facing the possibility of major losses? Recently, bond yields have climbed. From November 1-23, the 2-year Treasury yield went from 0.83% to 1.12%, while the yield on the 10-year note rose from 1.83% to 2.36%.1

Quality bonds have a place in a portfolio, but many investors are moving their money elsewhere. They see a federal stimulus ahead in 2017, one that could potentially strengthen the economy and lead the Federal Reserve to gradually tighten interest rates. Assuming that happens and appetite for risk remains strong, what will happen to bonds and bond funds when rates begin to climb?1,2,3

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Will There Be Fewer Retirement Planners in the Future?

image of broker shaking hands after financial deal

A new fiduciary rule could potentially reduce the number of such advisors.

Today, many people claim to offer retirement planning. In the near future, their ranks may thin because of new regulations on qualified retirement plans being phased in by the Department of Labor.

Things are changing quickly. By the start of 2018, any person or firm providing advice to IRA owners and participants in workplace retirement plans will be asked to assume a fiduciary responsibility. In taking on that responsibility, that person or firm will have an ethical and legal duty to act in a client’s best interest.1

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