by Glenn J. Downing, MBA, CFP®
As I noted in Part I, an annuity is a complex financial animal. It can be used as a tool to accumulate funds on a tax-advantaged basis. It can also be used efficiently to distribute funds in later years, which is my focus here in Part II. Â
A Stream of Payments I ...
Glenn J. Downing, MBA, CFP®
An annuity is a complex financial animal. It can be used as a tool to accumulate funds on a tax-advantaged basis. It can also be used efficiently to distribute funds in later years.  Here in Part I I’m focusing on the accumulation phase.  In Part II I’ll cover distribu...
By Glenn J. Downing, MBA, CFP®
Last year (2019) I watched the entire Upstairs Downstairs series on Britbox. Easily sixty episodes in all. My viewing interests are usually limited to either WWII or British crime stories, so this was a bit of a departure for me, and one I thoroughly enjoyed. As the n...
by Jonathan G. Cameron, CFP®
When I originally wrote this, the Carolinas were experiencing the worst of Hurricane Florence. As a native Floridian I've ridden out half a dozen hurricanes myself . The aftermath of a hurricane is not only about the damage to life and property, but for many it can tak...
by Jonathan G. Cameron, CFP®
A few months ago I heard Susan Bradley from the Sudden Money® Institute say something quite profound regarding our relationship with money and financial windfalls:
When life changes, money changes.
When money changes, life changes.
The order in which change happens mak...
By Glenn J. Downing, MBA, CFP®
Usually when we think of estate planning we have in mind the orderly transition of assets at death. Death is something that you have a 100% chance of experiencing – we just don’t know when. Tomorrow isn’t promised to us – and neither is this afternoon, for that matter...
By Glenn J. Downing, MBA, CFP®
Should I Pay my Mortgage Off Early? This is actually a FAQ – a frequently asked question, so I thought I’d spend a little time on it here. Some other mortgage-related topics we’ve addressed are these:
by Glenn J. Downing, MBA, CFP®
The Secure Act of 2019 changed the rules for non-spouse beneficiaries of inherited IRAs. The rules now are simply that the beneficiary of such an IRA has 10 years to distribute it in its entirety. Required minimum distributions are necessary during this time.Â
This...
Glenn J. Downing, MBA, CFP®
What kinds of insurance do you offer?
We broker life insurance, disability income insurance, and long-term care insurance. In obtaining Insurance coverage for our clients, We shop the market for the most suitable product at the best price.
Can I get auto or homeowners ...
by Glenn J. Downing, MBA, CFP®
From time to time I’m asked, Glenn: there are plenty of financial guys out there. They’ll do financial planning for free. So why should I pay you guys?
Good question, and not unexpected in these days of free resources online. To answer it, let me give you a little b...
by Glenn J. Downing, MBA, CFP®
Why do financial planning?
Short answer: because no one can hit a moving target. The financial plan informs all financial decisions: how to invest, what to save and where, and what insurance should I purchase or drop.
What should I expect when I come in to see you?
...
by Jonathan G. Cameron, CFP®
Getting financially organized before retirement can be a daunting task. There are many unknowns and it can be hard to know where to begin. For that same reason people often wait too long to address retirement needs and, unfortunately, don’t achieve the financial freedom...
