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Retirement

Evaluating Charities

To paraphrase one of our more benevolent clients “There are no unworthy causes, but there are unworthy charities”. Many of our clients are very generous with their hard-earned money but understandably want to be sure that these charities are responsible stewards. From conversations with clients on their giving experiences and our own research, we’ve complied […]

Budgeting Basics

“Living within your means” might be a bit of a cliché, but for good reason. Whatever your “means” are, if you don’t live within them, there is almost no chance you’ll be financially successful. Most people agree, but how do they ensure they actually accomplish it?   That’s where budgeting comes in. It’s an important […]

Disproving Dave Ramsey

Over the last few weeks, an interesting conversation has spread through the WealthPoint offices. As financial professionals we have a pretty good understanding of the universe of advice and other notable personalities operating in the Personal Finance space. One particular character’s wide audience and unusual tactics piqued our curiosity: Dave Ramsey and his Total Money […]

Summer is Coming!

Funding a Roth IRA for your child or grandchild Millions of high school and college aged children will have jobs this summer.  This presents an opportunity to establish a retirement account in their name.  It can help instill a lifelong saving habit and you can help them get started with a contribution.  As long as […]

A Tax-Free Roth Option for High-Earners

It isn’t surprising that the Retirement Savings Flavor-of-the-week is Roth IRAs.  Contributions are made with after-tax dollars with all growth and earnings withdrawn tax-free in retirement. We often preach the value of Tax Diversification at WealthPoint. This is the concept that having multiple savings vehicles (i.e. Tax-deferred 401(k)/IRAs, Roth IRAs, Taxable Brokerages) with different tax […]

2019 Brings New Limits to Retirement Accounts

In 2019, the IRS actually brings good news to the retirement savers of the world:  You can save more for retirement than in years past.  The limits for the following accounts increased: IRA, Roth IRA, 401(k), 403(b), SIMPLE IRA, and Health Savings Accounts (HSA).  Savers over 50 will still be eligible for a catch-up allowance. […]
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