3 Ways to Minimize Your Tax Bill in Retirement By: Stacey Nickens You've worked hard your whole life to build up your retirement nest egg. You save for healthcare expenses, housing renovation needs, and even a travel budget. However, as you are settling into a slower retirement lifestyle, you realize that you're paying a [...]
6 Things Medicare Won't Cover By: Stacey Nickens Facing unexpected medical costs in retirement can be a significant financial challenge. With that in mind, it's important to understand the procedures and services that aren't covered by Medicare Part A or Part B. Part A is hospital insurance that covers impatient stays at hospitals and [...]
Understanding Georgia's Retirement Income Exclusion By: Stacey Nickens In Georgia, retirees and older individuals can shelter some of their income from state taxation. This retirement income exclusion is available to state residents who are 62 years and older as well as some disabled taxpayers. Georgia's retirement income exclusion allows qualified taxpayers to exclude certain [...]
Positions I'm Watching: Industrial REITs By: Stacey Nickens Last week, Pfizer announced that their vaccine was 90% effective when tested on a small group of individuals. This news pushed the market away from growth equities towards value stocks. The move came as investors began to have hope that the pandemic's hardest-hit industries, such as airlines [...]
5 Strategies for Managing Your Employer-Sponsored Retirement Plan By: Stacey Nickens Pension plans have traditionally funded many American's retirements. However, pension plans are becoming increasingly uncommon. In their absence, more retirees are relying on 401(k)s, 403(b)s, or 457 plans. However, I often find that individuals do not take an active role in managing or reviewing [...]
3 Investment Strategies for the 2020 Presidential Election By: Stacey Nickens This past weekend, I curled up with a warm drink and enjoyed completing an autumn-themed puzzle. Of course, when I got to the end, I was missing just one piece. That's just my luck! I was frustrated at first; however, I realized I was [...]
Positions I'm Watching: Petmed Express (PETS) By: Stacey Nickens October is National Adopt a Shelter Dog Month. In honor of that, ELM3 decided to sponsor a local shelter pup, Roxbury. Along those lines, you may also consider reviewing positions in the company, Petmed Express (PETS). PETS sells pet medications and supplies to consumers and offers [...]
Positions I'm Watching: Summit Materials (SUM) By: Stacey Nickens We are heading into third quarter earnings season, and analysts expect a steep decline in many company's earnings. FactSet predicts the S&P 500 will report a 20.5% decline in earnings; however, this is a smaller decline than was initially predicted. The earnings improvement is due to [...]
Many of you may be familiar with the 4% Withdrawal Rule. According to this rule, you should try to withdraw no more than 4% of your retirement portfolio’s value each year. This withdrawal rate will theoretically allow the rest of your retirement savings to grow during the rest of the year. However, many of [...]
The Bucket Approach to Retirement Savings By: Stacey Nickens When my children were young, we used to go apple picking every fall. Sometimes we would even drive all the way to rural Illinois to enjoy some fresh apples, homemade apple butter, and homemade apple pie. Of course, there are so many types of apples. It [...]
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