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.
Why Your Investment Portfolio Shouldn’t Be ‘Unique’
Everyone is unique, and that is why we often pay more for goods and services that feel catered to our specific wants and needs. For instance, as a taller man with specific clothing needs, I would pay much more for a tailored outfit that I know will fit than clothes...
Don’t Invest Like a Billionaire
It's a seductive pitch: "Invest like the ultra-rich!" Advertisements and financial gurus often dangle the allure of exclusive investment strategies favored by billionaires – private equity, hedge funds, and leveraged real estate – as the key to unlocking...
Market Corrections and How to Take Advantage of Them
Financial markets exhibit inherent volatility, characterized by growth periods and occasional downturns, with market corrections being a common occurrence. Today, I aim to clarify market corrections, differentiate them from other market events, and offer some...
The Backup Quarterback: Ensuring Financial Continuity for “The Other Spouse”
Marriage intertwines lives, including finances. Often, one spouse naturally gravitates towards financial management, while the other engages less frequently. We'll call the less financially involved partner "The Other Spouse." This isn't inherently negative, but it...
Balancing Long-Term Investing and Short-Term Needs: The Liquidity Lesson
When it comes to financial planning, we are often trying to determine the most efficient way to reach our financial goals. Goals to retire on time, maintain our preferred standard of living, and care for those we love along the way. All of us have to make tough...
19 Ways Financial Planners Actually Help Clients
Do you manage your own finances or use a 'financial advisor'? Understanding the full capabilities of a financial planner is crucial. Why? Because while advisor fees may seem similar, the level of service can vary significantly. We can help you build a comprehensive...
Charitable Giving, Retirement, and Qualified Charitable Distributions (QCDs)
A Case Study: Chloe and Marc Chloe and Marc are both retired and 71 years old. They are organized and intentional with their finances and looking to make the most of what they have in retirement. Let’s review Marc and Chloe’s financial standing. Income: Marc received...
Finding a Financial Coach: Fee-Only vs. Fee-Based Advisors
Imagine having a personal financial guru in your corner, cheering you on as you reach your money goals. That's kind of what a financial planner can be! But when choosing one, you might come across terms like "fee-only" and "fee-based." Let's break down the key...
Roth Conversion Case: A High Tax Bite for a Retiree on Social Security
Case Study: The Impact of Roth Conversions on a Retiree taking Social Security Susan’s Client Profile Susan is a 68-year-old woman enjoying a comfortable retirement supported by $3,000 monthly Social Security benefits, $1,000 in pension income, and approximately...
Why We Love Health Savings Accounts
Several investment vehicles offer significant tax benefits, and the Health Savings Account (HSA) is a prime example. If you haven't heard of HSAs, they are tax-advantaged accounts that allow contributions of pre-tax income for qualified medical expenses, with tax-free...
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.