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The Blog of Fonville Wealth Management

Investor Behavior Leads to Poor Returns

Investor Behavior Leads to Poor Returns Sell! Sell! Sell! With the recent stock market decline, it is easy to think that selling your investments might be a good idea. Don’t do it. Studies have show that investor behavior (and lack of diversification) is the top... read more

6 Threats to Baby Boomers Retiring

Summary: As a group, baby boomers were the wealthiest, most active, and most physically fit generation up to that time, and among the first to grow up genuinely expecting the world to improve with time. They were also the generation that received peak levels of... read more

Retirement Withdrawal Rates

Retirement Withdrawal Rates During your working years, you’ve probably set aside funds in retirement accounts such as IRAs, 401(k)s, and other workplace savings plans, as well as in taxable accounts. Your challenge during retirement is to convert those savings... read more

How To Plan For Retirement in your 50s

Summary: If you are in your 50s you are probably starting to day dream about retirement. Am I right? A lot of individuals start to call me about planning retirement in their 50s because they are getting anxious and they want to know what steps they can take to get on... read more

Avoiding Probate: Is It Worth It?

Avoiding Probate: Is It Worth It? When you die, your estate goes through a process that manages, settles, and distributes your property according to the terms of your will. This process is governed by state law and is called probate. Probate proceedings fall under the... read more

10 Financial Terms Everyone Should Know

10 Financial Terms Everyone Should Know Understanding financial matters can be difficult if you don’t understand the jargon. Becoming familiar with these 10 financial terms may help make things clearer. 1. Time value of money The time value of money is the... read more

Estate Planning for a Second Marriage

They say that love is lovelier the second time around. But for many individuals, remarriage later in life can create some unique estate planning issues. If you’re anything like the typical person contemplating a second (or third) marriage, you are older, have... read more

Key IRS Adjustments for 2015

Every year, the Internal Revenue Service (IRS) announces cost-of-living adjustments that affect contribution limits for retirement plans, thresholds for deductions and credits, and standard deduction and personal exemption amounts. Here are a few of the key... read more

3 Ways to Lose Money in the Stock Market

Summary: Have you ever lost money in the stock market? For many Richmond families, this is one of the biggest fears about investing. In my experience, most investors fear permanent loss of their money. It’s only natural. A colleague of mine who frequently speaks... read more

Retirement Anxiety – 5 Ways to Reduce It

Summary: If you have retirement anxiety, you are not alone. According to a 2013 survey by Ameriprise Financial, only 46 percent of not-yet-retired boomers with investable assets of $100,000 or more feel confident they’ll be able to afford basic living expenses... read more
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