IPA Newsletter Series
Newsletter LibraryWelcome to the IPA Newsletter series. This educational series is intended to help you better understand your financial life as it relates to investing and retirement planning. We take our fiduciary responsibility seriously, not just to build plans and manage investments, but to educate and keep you informed.
Five Actionable Ideas for Your Mid-Year Financial Checkup
Every January gyms are filled with a plethora of people who decided their new year’s resolution was to get in shape–we’ve all been there at some point or another. Eventually, however, the new year inspiration fades away–two days, two weeks, or two months later, and...
Understanding the SECURE Act 2.0
As 2022 came to a close, and while many of us were focused on the holidays, Congress passed new legislation for America’s retirement system. Called the SECURE Act 2.0 (which stands for Setting Every Community Up for Retirement Enhancement), it’s part of the greater...
Investing for the Long Term
We often have people ask us questions such as: “Where is a good place to get started investing? What will give me the best return?” Or “I have $1,000 to invest, where should I put it?” The reality for questions like these is the return for the investment does not...
The Power of the Health Savings Account (HSA)
What is a Health Savings Account (HSA)? Health Savings Accounts (HSAs) were created back in 2003 by the Medicare Modernization Act. This law created HSAs to encourage individuals to enroll in High-Deductible Health Plans (HDHPs) in an effort to curb overall healthcare...
Rollovers and Transfers
We assume in this article that the accounts have similar tax treatment and registration. In the event, accounts do not have the same account type and registration, the process of moving money becomes more complex. We will not address those situations in this article....
Offense Wins Games, Defense Wins Championships
In investing much like in football, it pays to make sure you have a strong defensive strategy. In football, that means not letting the opposing team score as many points as your team. I investing that means to keep more of your gains by not giving up as much. Doing...
What is the Difference Between a Traditional IRA and a Roth IRA?
Contributions to a Traditional IRA are done with pre-tax income. Similar to a 401(k), the amount you contribute to a Traditional IRA is tax deductible up-front, reducing your taxable income. The money then grows overtime tax-deferred, and is subject to taxation only...
Diversification: Fact & Fiction
Diversification is a technique that aims to maximize returns by investing in different areas that would each react differently to the same event. Most investment professionals agree that, although it does not guarantee against loss, diversification is the most...
The opinions expressed in this program or blog are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security.
It is only intended to provide education about the financial industry. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results.
Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.
Investment Planning Advisors is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Investment Planning Advisors and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Investment Planning Advisors unless a client service agreement is in place.