Posts tagged Markets
Teaching Kids Financial Responsibility: Summer Jobs and Roth IRAs
Teaching Kids Financial Responsibility: Summer Jobs and Roth IRAs

You can open a Roth IRA for your child to evolve their financial knowledge while helping invest for retirement, a first house and/or qualified educational expenses.

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College Planning, Retirement Planning, Your $ Your Independence, Retirement, InvestingGlenn BrownBest Practice, Budget, College, Children, College Planning, College Students, Earnings, Focus on your why, Financial Planning, family, Grads, Goals, Giving, Gifting, IRA Contributions, IRAs, Index, Markets, Kids, Raising Kids, Minors, Roth IRA, Savings, Tax Planning, Traditional IRA, Teenager, Total Return, Investing, diversification, W2, taxes, Tax Deadlines, Your Money Your Independence, Contribution Limits
Empower New Graduates with Gifts of Independence
Empower New Graduates with Gifts of Independence

While cash or gift cards are always appreciated, consider something with lasting value that can help launch college and high school graduates towards financial independence.

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Budgeting, Debt Management, Investing, Retirement Planning, Your $ Your IndependenceGlenn BrownAutomatic Payments, Best Practice, Budget, Subscriptions, Debt Management, Bond Portfolios, Bonds, CDs, Children, College, Cash, career, Cash Flows, Dividend Growth, Dividends, Earnings, ETF, Focus on your why, Financial Planning, family, Fee-Only Fiduciary, Financial Independence, Goals, Giving, grandchildren, Graduates, Grads, IRAs, IRA Contributions, Income Streams, Investing, Index, Joy, Kids, Local Town Pages, Student Loans, Gifting, Markets, Roth IRA, Portfolios, Rent, Raising Kids, Student Debt, Savings, Spending, High School Students, College Students, Tuition, Teenager, Technology, Traditional IRA, Multi-Generational Planning, diversification, Experience Spending, Your Money Your Independence, Your Money
Ready Homebuyers? The Fed’s New “No Urgency” Mantra Is A Gift.
Ready Homebuyers? The Fed’s New “No Urgency” Mantra Is A Gift.

If one waits for 5% mortgages, there are considerable opportunity costs. Potential homebuyers should prepare to act by utilizing these tools and best practices.   

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Budgeting, Debt Management, Economics 101, Your $ Your IndependenceGlenn BrownHouse, Mortgage, Financial Planning, Refinancing, Real Estate, Home Ownership, Best Practice, Debt Management, Focus on your why, Goals, HELOC, Interest Rates, Markets, Loan-To-Value, Prime Rate, Home Equity Line of Credit, adjustable rate mortgage, Rent, Savings, Tax Planning, taxes, Your Money Your Independence, Yields
At or Near Retirement? Time to Say Bucket!
At or Near Retirement? Time to Say Bucket!

Retirees view risks differently, but the greatest risk is behavioral. Let’s discuss a sustainable and tax-efficient approach to retirement distribution strategies.

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Your $ Your Independence, Work Benefits, Retirement Planning, Tax Planning, Retirement, Investing, Debt Management, BudgetingGlenn BrownBudget, Work Benefits, Best Practice, CDs, CFP, Dividends, Dividend Growth, Debt Management, Entitlements, family, Focus on your why, Financial Planning, Goals, Healthcare, Health, HELOC, IRAs, IRS, Income Streams, Investing, Inflation, Investment Management, IRA Withdrawals, Joy, 401(k), Solo K, Local Town Pages, Life Insurance, Medicare, Markets, Net Worth, Roth IRA, Portfolios, Pro-rata rule, Access to Equity, Required Minimum Distributions, Home Equity Line of Credit, Refinancing, Real Estate, Rebalancing, Savings, Traditional IRA, Total Return, Tax Planning, diversification, Savings Prioritization, distribution phase, distribution strategies, tax efficiency, taxes, Experience Spending, Tax-Loss Harvesting, Taxes, Index, Your Money Your Independence, Yields, Asset Allocation
New Year, New You… Not True?
New Year, New You… Not True?

Resolutions to improve your financial situation similar to one’s made last year? Here’s how and why to consider actions and timeframes, instead of focusing on desired outcomes.


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Budgeting, Debt Management, Investing, Retirement, Retirement Planning, Tax Planning, Work BenefitsGlenn BrownBudget, Best Practice, Debt Management, Rebalancing, Employee Benefits, Economy, Financial Planning, Focus on your why, family, Semi-Retirement, Retirement, Roth IRA, Student Debt, Goals, Joy, Resolutions, 401(k), Work Benefits, Markets, Local Town Pages, Investing, Portfolios, Priorities, Spending, Savings, Tax Planning, Traditional IRA, Total Return, Your Money Your Independence, Your Money, Year-End, New Year
When Markets Give You Lemons, Make Roth Conversion
When Markets Give You Lemons, Make Roth Conversion

A year-end strategy to consider for turning lemons into lemonade is Roth Conversion.

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Investing, Retirement, Retirement Planning, Your $ Your IndependenceGlenn BrownRoth Conversion, Roth IRA, taxes, Tax Planning, tax planning, IRAs, IRA Withdrawals, Traditional IRA, Required Minimum Distributions, Economy, Financial Planning, Investing, Investment Management, Markets, Local Town Pages, RMD, Tax Deadlines, Taxes, Your Money Your Independence, Recharacterization
Enjoy Every Sandwicher Moment.
Enjoy Every Sandwicher Moment.

This month celebrates those caring for their young children and aging parents simultaneously - Sandwichers.

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Estate Planning, Investing, Retirement Planning, Tax Planning, Your $ Your Independence, Budgeting, College PlanningGlenn BrownAging Parents, attorney, Elder Care Law, Tax Planning, Capital Gains, Best Practice, Beneficiaries, Budget, Debt Management, Probate, College, children, Cash Flows, Caring for aging parents, Local Town Pages, Daycare, Medicare, Dependent Care, Long-Term Care, Health Care, Medical Expenses, Death Tax, Guardianship, guardians, Estate Planning, Estate Tax, Entitlements, family, Focus on your why, Financial Planning, grandchildren, Goals, Giving, Gifting, Savings, Teenager, Health, Health Insurance, Home Ownership, Inflation, Investing, inheritance, Raising Kids, Kids, Markets, Will, Life Insurance, College Planning, Multi-Generational Planning, Mortgage, Minors, Income Streams, Investment Management, Joy, House, Portfolios, Social Security, Priorities, Spending, tax planning, Trusts, Total Return, Trustee, taxes, Your Money Your Independence, Education
You Can’t Always Get What You Want… But If You Try Sometimes
You Can’t Always Get What You Want… But If You Try Sometimes

With markets All Down The Line, thinking it will make you Happy to become Exile on Wall St?

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Investing, Retirement Planning, Tax Planning, Your $ Your Independence, Economics 101Glenn BrownAsset Allocation, Bond Portfolios, Bonds, Best Practice, Rebalancing, Capital Gains, Cash, CDs, Dividend Growth, Dividends, Debt Management, ETF, Economy, Economics, Focus on your why, Financial Planning, Goals, IRAs, IRA Contributions, Inflation, Interest Rates, Investing, Investment Management, TIPs, Markets, Portfolios, Savings, Tax Planning, Budget, Your Money Your Independence, Wash Sale, taxes, tax planning, Tax-Loss Harvesting, Yields, Joy
April Brings Spring, Baseball and Taxe… Squirrel!
April Brings Spring, Baseball and Taxe… Squirrel!

If your wealth is tax-deferred retirement accounts, your taxes in retirement will be more than you realize.

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Budgeting, Investing, Retirement, Retirement Planning, Tax Planning, Work Benefits, Your $ Your IndependenceGlenn BrownBest Practice, Employee Benefits, Financial Planning, Goals, 401(k), Roth IRA, Roth Conversion, IRA Contributions, Traditional IRA, IRAs, RMD, 403(b), taxes, Tax Planning, Tax-Loss Harvesting, Retirement, Required Minimum Distributions, Investing, Taxes, Tax Deadlines, Social Security, Income Streams, Markets, Work Benefits, Local Town Pages, Savings, Your Money Your Independence
Resolutions Gone Bad: Rein In Your New Year.
Resolutions Gone Bad: Rein In Your New Year.

How to make financial resolutions that lead to successful planning outcomes.

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Debt Management, College Planning, Investing, Retirement Planning, Tax Planning, Your $ Your Independence, Retirement, BudgetingGlenn BrownAsset Allocation, Sandwichers, taxes, Budget, Best Practice, Rebalancing, Debt Management, children, Children, Cash, Cash Flows, Dividend Growth, family, Focus on your why, Financial Planning, Fee-Only Fiduciary, Financial Independence, Goals, IRA Contributions, Income Streams, Investing, Investment Management, Joy, Kids, Markets, 401(k), Work Benefits, Local Town Pages, Priorities, Portfolios, Pension, Savings, Spending, Tax Planning, Total Return, tax planning, Your Money Your Independence, HELOC, Mortgage, Home Equity Line of Credit, Retirement, Resolutions, Experience Spending, Taxes, Year-End, Your Money
Inflation: Increase assets, borrow, and lock in debits.
Inflation: Increase assets, borrow, and lock in debits.

Action items based upon the old adage “Inflation rewards debtors and hurts creditors”.

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Budgeting, Debt Management, Economics 101, Investing, Retirement, Retirement Planning, Tax Planning, Your $ Your IndependenceGlenn BrownAsset Allocation, Bond Portfolios, Rebalancing, Bonds, Best Practice, Debt Management, Dividend Growth, Dividends, Economy, ETF, Financial Planning, Fed, HELOC, Interest Rates, Income Streams, Inflation, Investment Management, Investing, Markets, high yield stocks, Local Town Pages, Mortgage, House, ROI, Portfolios, Priorities, Home Equity Line of Credit, Refinancing, Retirement, Savings, Tax Planning, Total Return, Your Money, Your Money Your Independence, taxes, Tax Deadlines, Taxes, Tax-Loss Harvesting, Year-End, Yields, Entitlements, Social Security, Cash, CDs, TIPs, Treasury Inflation Protection Securities, REITs, Rent, Home Ownership
Tax Loss Harvesting: Give Thanks And Slice Your Pie
Tax Loss Harvesting: Give Thanks And Slice Your Pie

Losing investments can offset realized profits as well as up to $3,000 in non-investment income each year.

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Investing, Retirement, Tax Planning, Your $ Your IndependenceGlenn BrownAsset Allocation, Bonds, Bond Portfolios, Best Practice, Rebalancing, Capital Gains, Investing, Investment Management, Local Town Pages, Markets, Interest Rates, Portfolios, Savings, Tax Planning, Your Money, Your Money Your Independence, Dividends, Wash Sale, taxes, Tax Deadlines, Tax-Loss Harvesting, Taxes, Year-End
Rising Rates, Sinking Values: Are Bonds Dead?
Rising Rates, Sinking Values: Are Bonds Dead?

Since 1976 the bond market has been negative just 3 times, 2021 could be the fourth and worst.

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Economics 101, Investing, Retirement Planning, Your $ Your IndependenceGlenn BrownAsset Allocation, Bonds, Bond Portfolios, Best Practice, Dividends, Economy, Economics, Financial Planning, Fed, Goals, Interest Rates, Income Streams, Investing, Inflation, Investment Management, Markets, high yield stocks, Local Town Pages, Portfolios, Retirement, Savings, Tax Planning, Total Return, Your Money, Yields, Yield Curve, Yield-To-Maturity, Your Money Your Independence, taxes
Revisiting - Dividends: Evolve Beyond Yield
Revisiting - Dividends: Evolve Beyond Yield

Revisiting the conundrum for income investors in today’s low-interest rate environment.

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Your $ Your Independence, Retirement Planning, Retirement, InvestingGlenn BrownAsset Allocation, Sandwichers, Best Practice, Rebalancing, Capital Gains, Cash Flows, Dividend Growth, Dividends, Financial Planning, Fed, Fee-Only Fiduciary, Goals, IRAs, Interest Rates, Income Streams, Investing, Investment Management, Yields, Markets, Local Town Pages, Bonds, Portfolios, Required Minimum Distributions, Retirement, Savings, Tax Planning, Total Return, Your Money, Yield Curve, Yield On Cost, Inflation, high yield stocks
2020 - The Worst Year Ever… Really?
2020 - The Worst Year Ever… Really?

Turn down the hyperbole, 2020 offered great opportunities to refinance, save, invest, WFH, and focus on your why.

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Your $ Your Independence, Retirement Planning, Retirement, Debt Management, Estate Planning, Insurance, Budgeting, Tax Planning, Small Business, InvestingGlenn BrownAging Parents, Asset Allocation, Sandwichers, Tax Planning, Savings, Trusts, Tax Deadlines, taxes, Technology, Best Practice, Budget, Rebalancing, Debt Management, Cash Flows, Estate Planning, Employee Benefits, Economy, family, Financial Planning, Focus on your why, Goals, Health, House, Interest Rates, Investing, Investment Management, Will, 401(k), Raising Kids, Kids, Experience Spending, Life Insurance, Local Town Pages, College Refunds, Mortgage, Markets, Roth IRA, Priorities, Required Minimum Distributions, Home Equity Line of Credit, Refinancing, Retirement, Roth Conversion, IRAs, Student Debt, Student Loans, CARES Act, children, Caring for aging parents, Traditional IRA, Total Return, Taxes, Your Money Your Independence
Would’ve, Could’ve, Should’ve… But Did You?
Would’ve, Could’ve, Should’ve… But Did You?

Instead of talk of the future, act on the constants - change and time.  

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Your $ Your Independence, Tax Planning, Small Business, Retirement Planning, Retirement, PlanDynamic, Investing, Insurance, Estate Planning, Debt Management, College Planning, BudgetingGlenn BrownAging Parents, Asset Allocation, Sandwichers, Capital Gains, Tax Planning, Savings, Student Debt, Small Business Owners, Student Loans, Budget, Best Practice, Rebalancing, Debt Management, College Planning, children, College, Caring for aging parents, Economy, Goals, Employee Benefits, Focus on your why, Financial Planning, Fee-Only Fiduciary, Education, Guardianship, Mortgage, Health, Healthcare, Home Equity Line of Credit, HELOC, IRAs, Investing, Investment Management, IRA Withdrawals, 401(k), Raising Kids, Work Benefits, Kids, Local Town Pages, Markets, Interest Rates, Income Streams, Total Return, Portfolios, Priorities, Refinancing, Retirement, Roth IRA, Roth Conversion, Estate Planning, Traditional IRA, Your Money Your Independence, Dividend Growth, Tax-Loss Harvesting, Yields
Proactive Planning and Health Remain Critical
Proactive Planning and Health Remain Critical

Putting off your health or planning over fear isn’t the “new normal”.

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Budgeting, Retirement Planning, Tax Planning, Your $ Your IndependenceGlenn BrownTax Deadlines, Capital Gains, Tax Planning, Savings, Budget, Best Practice, Debt Management, Rebalancing, College Refunds, CARES Act, Health, Health Care, Health Savings Accounts, HELOC, Home Equity Line of Credit, MassSave, Healthcare, Employee Benefits, Focus on your why, Financial Planning, Fee-Only Fiduciary, Health Plans, HSA, children, IRAs, Interest Rates, Investing, Investment Management, IRA Withdrawals, Yields, Work Benefits, 401(k), Markets, Local Town Pages, College, Mortgage, Roth IRA, Priorities, Refinancing, Retirement, Student Debt, Student Loans, Caring for aging parents, Traditional IRA, Your Money Your Independence, taxes
Ch-Ch-Changes - Turn And Face The Strange
Ch-Ch-Changes - Turn And Face The Strange

CARES Act legislation impacting 2020 tax laws, provisions and deadlines. 

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Budgeting, College Planning, Investing, Retirement, Retirement Planning, Small Business, Tax Planning, Work Benefits, Your $ Your IndependenceGlenn BrownCARES Act, Tax Deadlines, IRA Withdrawals, College Refunds, 529 Plan, Budget, Best Practice, Debt Management, Tax Planning, Tax-Loss Harvesting, Taxes, College Planning, College, Employee Benefits, Economy, Financial Planning, Financial Aid, House, IRAs, Investing, Investment Management, Kids, Markets, Work Benefits, Local Town Pages, Mortgage, RMD, Small Business Owners, Interest Rates, Portfolios, Required Minimum Distributions, Rebalancing, Retirement, Refinancing, Student Debt, Student Loans, SBA, Tuition, Traditional IRA, 401(k), 403(b), Your Money Your Independence
Be Proactive and Less Reactive
Be Proactive and Less Reactive

Big picture opportunities for 3 RE’s: Refinance, Rebalance and Reset.

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Budgeting, Your $ Your Independence, Tax Planning, Retirement, Retirement Planning, InvestingGlenn BrownAsset Allocation, Capital Gains, Tax Planning, Budget, Economy, Focus on your why, Financial Planning, Fee-Only Fiduciary, family, House, Mortgage, Rebalancing, Refinancing, Investing, Investment Management, Roth Conversion, Retirement, Markets, 401(k), Local Town Pages, Interest Rates, Income Streams, Portfolios, Priorities, Raising Kids, Roth IRA, Savings, Student Debt, Student Loans, Total Return, Your Money Your Independence, Your Money, Dividend Growth, Yield Curve, Yield-To-Maturity, Yields, Wash Sale, Tax-Loss Harvesting, taxes
Why Dividend Growth Matters
Why Dividend Growth Matters

Can a low dividend yield be more favorable over the long-term?

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Investing, PlanDynamic, Retirement, Retirement Planning, Tax Planning, Your $ Your IndependenceGlenn BrownYour Money Your Independence, Dividends, Dividend Growth, Investing, Investment Management, Income Streams, Interest Rates, Financial Planning, Asset Allocation, Markets, Cash Flows, Bonds, Best Practice, Rebalancing, Fed, Local Town Pages, Portfolios, Retirement, Total Return, Tax Planning, Yield Curve, Yields, Savings, Tax-Loss Harvesting