AdviceIQ Articles

  • Taking Out Retirement Money

    Staying the course in a rollercoaster stock market challenges both you and your financial advisor – a challenge made even tougher when you take your retirement distributions. Here’s how a withdrawal policy statement (WPS) helps avoid panicked investing moves.

  • Dunning the Middle Class

    The middle class has two problems: It is shrinking, and it’s on the hook to pay for our nation’s enormous liabilities.

    With all of the talk in Washington about equality, you have to wonder how the gap between rich and poor widened to the point where many question the future survival of the middle class.

    Some have, indeed, made the transition from middle class to upper class, and are enjoying a more comfortable lifestyle. They may not be part of the 1%, but they’ve broken away from the middle.

  • Keeping Staff: Real Biz Value

    Your business’s biggest asset: its staffers, especially the senior ones. Here’s why and how to keep them with rewards, particularly stock in the enterprise.

    Three things can happen in your business to inspire you to make sure your key personnel stick around:

    • You become disabled.
    • You die.
    • You sell your business.

    All three require your management team to stay with your company if you want any hope of holding the firm’s value and getting the best sales price.

  • The New Military Benefits

    If you are military, either part time or fulltime, a grateful nation has set up tax, pension and other benefits to help you. You should know about changes and improvements that occurred in some of them.

  • Europe: Misplaced Optimism

    Is Europe finally looking up? Not much. While the continent has posted improvements, they are weak. Stock market rallies in Europe are based on little other than excessive hope, and lately fizzled. The MSCI stock index of nations in Europe’s monetary union is up 0.2% this year, a full percentage point less than in the U.S.

  • How to Spot Investing Fraud

    You can get ripped off by many scam artists besides infamous luminaries like Bernie Madoff. Here’s what to watch for.

    Amid continuing headlines that financial advisors commit fraud and scams that cost investors like you a lot of money, you probably wonder whom to trust with personal investments.

  • Bettering Kids’ Lives (Pt. 2)

    Our society increasingly divides rich kids with a good educational and health foundation and poor kids with a disadvantaged upbringing likely to hinder their futures. Our first article looked at how we can lay firm financial foundations for our kids. Here's how we can still try to ease the way financially for our own children and grandchildren.

  • 3 Worrisome Global Problems

    The U.S. economy has plenty of weaknesses. But compared to elsewhere, we are doing pretty well. The downside is that, in a global economy where everyone is connected, trouble in one spot can spread rapidly over borders. That’s why weaknesses in China, Japan and Europe are worrisome.

  • Timing: Retirement Myth

    When you retire influences your income in the golden years. Or does it? Here’s an example.

    The retirement 4% rule – which says that, if you withdraw roughly 4% of your savings annually for 30 years’ retirement, you stand a good chance of not outliving your money – sometimes works well and sometimes doesn’t, depending on how you time your retirement.

  • What’s the Point of myRAs?

    President Barack Obama’s State of the Union address included announcement of the new, supposedly easier retirement savings plans, or “my Retirement Accounts” (myRAs). Do we need them? No.


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