It isn’t always top of mind, but it should be. Provided by Peter Miralles, CFP®CIMA®CLU How many of us save and invest with an eye on tax implications? Not that many of us, according to a recent survey from Russell Investments (the global asset manager overseeing the Russell 2000). In the opening quarter of 2014, […]

Some not-so-small matters to think about. Provided by Peter Miralles, CFP®CIMA®CLU When you tie the knot, your financial lives will change. Marriage is one of those life events that can really affect your money and tax situation. If you are about to wed, here are a couple of things you’ll want to consider when it […]

Agreeing about what you want from retirement is crucial. Provided by Peter Miralles, CFP®CIMA®CLU What does a good retirement look like to you? Does it resemble the retirement that your spouse or partner has in mind? It is at least roughly similar? The Social Security Commission currently projects an average retirement of 19 years for […]

They are no longer exempt from creditors & bankruptcy proceedings. Provided by Peter Miralles, CFP®CIMA®CLU A SCOTUS ruling raises eyebrows. On June 12, 2014, the Supreme Court ruled 9-0 that assets held within inherited IRAs by non-spousal beneficiaries do not legally constitute “retirement funds.” Therefore, those assets are not protected from creditors under federal bankruptcy […]

Six signs that you are in good shape. Provided by Peter Miralles, CFP®CIMA®CLU How well off do you think you are financially? If your career or life takes an unexpected turn, would your finances hold up? What do you think will become of the money you’ve made and saved when you are gone? These are […]

Certain misconceptions ignore the realities of retirement. Provided by Peter Miralles, CFP®CIMA®CLU Generalizations about money & retirement linger. Some have been around for decades, and some new clichés have recently joined their ranks. Let’s examine a few. “When I’m retired, I won’t really have to invest anymore.” Many people see retirement as an end instead […]

Does sticking with the same firm actually hurt your financial potential? Provided by Peter Miralles, CFP®CIMA®CLU If you spend two years or less at a series of jobs, is that a problem? Shouldn’t your resume signal loyalty instead of transience? Well, maybe it isn’t a problem. Maybe you are doing yourself a financial favor instead, […]

What people don’t always realize about life after work. Provided by Peter Miralles, CFP®CIMA®CLU If you have saved and invested consistently for retirement, you may find yourself ready to leave work on your terms – with abundant free time, new opportunities, and wonderful adventures ahead of you. The thing to keep in mind is that […]

The SEC rolls out a test program. How much impact will it have? Provided by Peter Miralles, CFP®CIMA®CLU The Securities & Exchange Commission wants to address the pricing inefficiencies linked with high-speed trading. With that goal in mind, it has ordered the Financial Industry Regulatory Authority (FINRA) and national securities exchanges to implement a trial […]

Your outlook may influence your financial outcome. Provided by Peter Miralles, CFP®CIMA®CLU What kind of retirement do you think you’ll have? An outstanding one? A depressing one? What if it all starts with your outlook? Qualitatively speaking, what if the success or failure of your retirement begins with your perception of retirement? A whole field […]