Read what our experts are saying

February 13, 2019

Important Tax Law Changes

In December of 2017, Congress passed the most extensive changes to the tax code since President Reagan’s Tax Reform Act […]
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 […]