IPA Newsletter Series

Newsletter Library

 

Welcome 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.

 

Each article will keep the reader’s perspective in mind by providing examples and plain language definitions. Often times, financial education is presented with a lot of acronyms, abbreviations, and industry specific jargon. It’s our goal to cut through the noise and provide you with concise updates on our investment management and financial planning tips that apply to you.

And remember, our intent is simple, if by reading the articles you take a little more time to think about your retirement plan, you may get one small step closer to achieving your financial goals.

The Power of the Health Savings Account (HSA)

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...

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Rollovers and Transfers

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....

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Offense Wins Games, Defense Wins Championships

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...

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Diversification: Fact & Fiction

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...

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