Jackie Goldstick, CFP®

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New Money to Invest – Lump Sum or Dollar Cost Average?

A question we have been asked repeatedly over the last six months has been: what is the best strategy to get into the market with new money?  Invest all of it at once?  Or invest in smaller increments over time through dollar-cost averaging? The most important thing to keep in mind is that the decision…

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A Checklist for Identifying the Right Advisor for You

Relationship Your advisor’s sole, continuous duty across your entire relationship should be to advance your highest financial interests (even ahead of their own) as a FIDUCIARY. Primary Role Your advisor should understand and account for your total wealth interests and advise you accordingly.   Understanding all components of your financial situation and how they interact is…

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What You Should Know About Retirement Plan Rollovers

Given the current economic environment where companies are laying off workers and, in some cases, going out of the business, the implications for employer-sponsored retirement plans are significant. Unfortunately, one of the consequences of the pandemic and the economic shutdown is that many companies are laying off workers and, in some cases, shutting down completely.…

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CARES Act: Changes to Minimum Distribution Requirements for 2020

Included in the CARES Act, which was signed into law on Friday, March 27th, 2020, are provisions related to tax-deferred retirement plans/IRAs and minimum distribution requirements for 2020. Specifically, regardless of your age, all minimum distribution requirements from tax-deferred retirement plans and IRAs have been suspended for 2020.  Of course, you can take withdrawals if…

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Coronavirus – What Does it Mean for Your Investments?

Over the last several weeks, the coronavirus has grabbed global headlines. So far, U.S. markets have remained relatively immune. But should you try to dodge markets that have been exposed? The answer to that question is simple: breaking news should not impact your investment program.  A portfolio that is invested according to an evidence-based investment…

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