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What should I bring to my appointment?

We encourage you to bring a list of questions and the following information (if applicable) to help us navigate your financial course:

Investment Retirement Statements (i.e. 401(k))

Estate Planning Documents

Insurance Documents

Prior Year Tax Return

  • Trust

  • Wills 

  • POA

  • Life Insurance

  • Long Term Care

  • Annuity Contracts

Common Questions Our Clients Ask Us

  • What does the stock market have to do with my investment account?

    • When money is added to your investment account, some or all of it is invested in the stock market. The amount depends on your desired asset allocation. The stock market moves up and down every day depending on many factors, and this may be concerning when watching your portfolio. However, the longer you invest for the better you are poised to weather these ripples. Over any given 20-year period, the stock market has always had positive returns. To discuss the stock market and how this impacts your investment accounts in further detail please let us know during your upcoming meeting.

  • What is the difference between Roth and Pre-tax contributions/accounts?

    • Pre-tax contributions are invested before any taxes have been paid on the money. As the money grows, taxes are not realized on the growth until distributions are taken from the account. When distributions are taken on these pre-tax investments, ordinary income tax rates apply.

    • Roth contributions are invested after being taxed from your paycheck at ordinary income rates. This is the only time the account is taxed. As the money grows and as you take distributions, the amount invested and the gains are not taxed. Ask your Advisor what type of investment might be best suited for you and your situation.

  • When can I start taking distributions out of my account without a penalty?

    • Generally, you can take distributions without worry at the age of 59 ½ from qualified retirement plans. However, there are exceptions to this rule. Let us know if you’re considering taking a distribution from your account as your Advisor can determine if these exceptions apply to you.

Market Highlights

The first quarter of 2023 continued 2022’s trend of high volatility in the markets, stubbornly high inflation, rising interest rates, and then a miniature banking crisis instead of a pandemic. January, February, and March saw mixed (but overall positive) market returns and economic data and led to another quarter with much to unpack.

The stock market, measured by the S&P 500 index, rose just over 7% for the quarter, mostly thanks to a 6.2% tech-fueled rise in January. 
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