Read what our experts are saying

February 1, 2019

Perspective Is Everything

Perspective is everything; it is shaped by your past, impacts the way you see the present and ultimately influences the […]
January 25, 2019

How to Balance Your Savings

There is a common misconception in personal finance that one can just max out their 401K and be ready for […]
November 13, 2018

Life and Disability Insurance – Really?

For over 35 years I have been licensed as an agent for Life and Health Insurance as well as a […]
November 6, 2018

A Choice – Paying for Long Term Care Insurance

Purchasing Long Term Care Insurance is a choice, plain and simple. I have found this to be somewhat gender sensitive, […]
October 31, 2018

RMD Rule Reform

When a retiree reaches age 70 ½ the IRS requires them to withdraw a percentage of their qualified (401K/IRA) retirement […]
September 16, 2018

Sequence of Returns – It Matters

Relying on averages can be dangerous. Brian’s dad had a saying, “You can drown in a river that averages 3 […]
September 6, 2018

For the Youngsters – Use Time to Your Advantage

By Karen Spence, CRPC® Wealth Manager You are never too young to start saving for your future. The time value […]
August 17, 2018

Retirement Income Options – Evaluate a Roth*

By Karen Spence, CRPC® Wealth Manager   When you retire, it’s nice to have income options, and focusing on building those income […]
July 26, 2018

Plan For Longevity

By Karen Spence, CRPC® Wealth Manager   In the last Virtus View (Importance of Guaranteed Income), I said, “It is critical not […]
June 29, 2018

Guaranteed Income Makes a Difference – Maximize Social Security

By Karen Spence, CRPC® Wealth Manager   When you retire, it’s nice not to worry about having enough money coming in every […]