(804) 306-4582

Making Cents of Your Wealth

Make better decisions with your money for a better life.

How To Plan For Retirement in your 50s

Planning retirement in your 50s takes time, attention, and discipline. However, taking the necessary steps now can dramatically increase your odds of success. Most people know that planning breeds success. So, why is it that 68% of investors over the age of 55 fail to... read more

Stock Market Update: January 2016

Stock Market Update: January 2016 Although down markets are a normal and expected part of the investment process, they are a challenge — especially emotionally. Last week (ending January 8), the S&P 500 dropped 5.91% and the MSCI EAFE (a major International market... read more

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 leads to poor returns in the stock... 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

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