Latest Posts

Financial Win-Win: Give to Charity and Avoid the Income Taxes on $100k

by Jared White on Aug 16, 2018

The tax code, with all of its hundreds of pages of regulations, stipulations, and loopholes always leave something be learned. Not only is the U.S. Internal Revenue Code massive, different write-offs and deductions occur at different stages in life, so it’s unsurprising if you don’t know the details of the IRA (Individual Retirement Account) charitable rollover.

401(k) Basics

by Jared White on Aug 15, 2018

As a retirement plan, 401(k) plans currently outpace the competition, with more than 54 million Americans participating in a 401(k) plan, and nearly 550,000 plans offered.

Employer sponsored, 401(k) plans are by far the easiest mechanism for workers to get started saving for retirement. And because there is typically an employer match for contributions up to a certain percentage, workers can end up leaving a significant amount of money on the table if they choose to forego participating in the company 401(k) plan.

401(k) vs. IRA

by Jared White on Aug 14, 2018

As the go-to investment option for most companies and their employees, 401(k) plans provide many benefits to plan participants, including deferment of taxes, the likelihood of an employer match, and a high maximum allowable for annual contributions.  But for those that are self-employed, or whose employer does not offer a 401(k), a traditional or Roth IRA is an option.

When Whole Life Insurance may be the Best Option

by Jared White on Aug 13, 2018

For generations a debate has raged on over whether it’s best to buy whole life insurance or to buy term life insurance and “invest the difference”.  Proponents of each method are adamant in their positions and both offer sound reasoning in their answers.  But, for anyone to tell you which is best for you without knowing anything about you is tantamount to someone tel

When Whole Life Insurance may be the Best Option

by Jared White on Aug 13, 2018

For generations a debate has raged on over whether it’s best to buy whole life insurance or to buy term life insurance and “invest the difference”.  Proponents of each method are adamant in their positions and both offer sound reasoning in their answers.  But, for anyone to tell you which is best for you without knowing anything about you is tantamount to someone tel

Everything you Need to Know About Buying a Life Insurance Policy

by Jared White on Aug 10, 2018

If you are at the point where you are asking how to buy a life insurance policy, then you have already made the most important financial decision, which is to take the steps to  insure your family’s or loved one’s financial security.  For many people, that is most likely a critical decision that has long been procrastinated.

Retiring Abroad

by Jared White on Aug 8, 2018

If you’ve always dreamed of living abroad, now may be the best time. Today, there are around 400,000 American retirees residing outside the United States, with that number expected to grow over the next few years. Cost of living is often cited as one of the main reasons for the move. For example, in places like Mexico and Costa Rica, it’s possible to live off of a Social Security check, while enjoying a relaxing lifestyle in the process. Other retirees cite rising health care costs as a contributing factor in their decision to move out of the U.S.

Using Cash Value Life insurance to Increase Portfolio Returns While Reducing Risk

by Jared White on Aug 7, 2018

Life insurance has existed for nearly two centuries as essential planning tool that protects dependents from the risk of a breadwinner’s untimely death. However, given the unique investment properties of life insurance, financial planners are finding a number of ways it can be used in other ways to enhance portfolio returns while reducing risk.