Are You Really Saving Enough for Retirement?

Why an early start (and accepting some risk) matters. Are you on track to save $1 million or more for retirement? If you are 50 or younger, you may need that much in savings to generate the kind of retirement income you prefer. Personal finance website NerdWallet recently did some math concerning this very objective. […]

Everyone loves a winner.

If an investment is successful, most people naturally want to stick with it. But is that the best approach? It may sound counter intuitive, but it may be possible to have too much of a good thing. Over time, the performance of different investments can shift a portfolio’s intent — and its risk profile. It’s […]

Social Security: Two Benefit Strategies Eliminated

With the passage of the Bipartisan Budget Act of 2015, two strategies to potentially maximize Social Security benefit payments were eliminated. An Overview Prior to the budget’s passage, married couples had two strategies to help maximize their Social Security benefits: “file-and-suspend” and “restricted applications.”¹ Under file-and-suspend, the higher-earning spouse filed for benefits and then suspended […]

Claims with Confidence

Roby & Associates – Keeping Insurance Companies Honest Since 1987 It is rare to find someone who can say that they appreciate adverse events in their life. More rare perhaps to find someone who will admit that such a calamity led them to a job that they love with a company that treats them with […]

8 Mistakes That Can Upend Your Retirement

Pursuing your retirement dreams is challenging enough without making some common, and very avoidable, mistakes. Here are eight big mistakes to steer clear of, if possible. No Strategy: Yes, the biggest mistake is having no strategy at all. Without a strategy, you may have no goals, leaving you no way of knowing how you’ll get […]

Systematic Withdrawals In Retirement

Many of us grew up with the concept that making regular, periodic contributions to our retirement account was a sound investment strategy. The idea was that, in a fluctuating market, regularly investing a set amount would enable an individual to buy more shares when prices were low and fewer shares when prices were high.¹ Does […]

United American Mortgage Company

Trusted, tried and true. That’s the reason why United American Mortgage has been successful for over 20 years. Since 1993, UAMC specializes in providing mortgage-financing solutions to homeowners and homebuyers. You’re almost tired of reading about it but it’s true: the mortgage meltdown hurt more than a few and people are still trying to recover. […]

Catch-Up Contributions

A recent survey found that 37% of people were very confident about having enough money to live comfortably through their retirement years. At the same time, 28% were not confident.¹ Congress in 2001 passed a law that can help older workers make up for lost time. But few may understand how this generous offer can […]

Careful Giving: Suggestions for Passing Gifts to Care Providers

By Donald A. Hunsberger According to the Orange County Register, a 91-year-old woman from Brea died in mid-2014, and left her entire estate to her caregiver. After officials discovered the transfer, they removed her assistant as trustee and took away the home she left  him.  Why? According to the District Attorney and the ruling Judge, […]

The Spirit of Wertz & Company

Tax, Accounting and Business Solutions for the Next Generation of Entrepreneurs By Betsy Sanz Courage. Passion. Vision. Tolerance of ambiguity. Tenacity. Flexibility. This is the heart of the entrepreneur. If entrepreneurs share common personality traits, it follows that they also face common challenges. Many entrepreneurs who start a business are not totally prepared for the […]