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Don't Feed The Bear: Our Blog

Social Security and Optional Working Thumbnail

Social Security and Optional Working

There are two key ways that earnings from employment can affect your social security benefits: benefit reduction and taxes. Those that are work optional should consider how their social security may be affected by their choice to take on consulting projects, short-term contracts, speaking engagements, etc.

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What Does SEC Reg BI Mean for Investors? Thumbnail

What Does SEC Reg BI Mean for Investors?

Last week the Securities and Exchange Commission (SEC) released their long-awaited investment advice reforms, with the main reform centering around Regulation Best Interest (BI), which raises the broker standard above the current requirement of suitability. What Does SEC Reg BI Mean for Investors?

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Is It Time to Consider Refinancing? Thumbnail

Is It Time to Consider Refinancing?

The ten-year Treasury yield has fallen to its lowest level since September 2017. Mortgages rates closely follow this benchmark and we have seen interest rates on 30-year fixed mortgages fall below 4%, with current rates closer to 3.75% (and 15-year mortgages at 3.25%). For those people that have purchased a home in the last 18 months, it is a good time to check your rates on your mortgage.

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What is the SECURE Act and How Does It Impact My Finances? Thumbnail

What is the SECURE Act and How Does It Impact My Finances?

Last week the House of Representatives passed a new bill by an overwhelming majority revising the treatment of key parts of American retirement systems entitled the Setting Every Community Up for Retirement Enhancement or “SECURE” Act. The bill was passed by a massive majority of 417-3 and signals from the Senate and President indicate that the law would likely pass.

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Thankful For My Freedom

Every year I get really excited for my birthday because it almost always falls on Memorial Day weekend. As a child I could look forward to a 3-day weekend filled with fun, family and the single most important day in any summer...the first pool day! But I also learned that there are hundreds of thousands who have lost their lives in service to our country, protecting the freedoms that we as citizens of the United States experience every day. They paid the ultimate sacrifice and it only seems fitting that we take a day to remember and celebrate their selflessness.

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