roth ira

Retirement Planning: Roth IRAs vs. Traditional IRAs

When you start thinking about retirement, it’s important to carefully consider the type of IRA you choose to open. Your risk tolerance, income, and investment goals can all help to determine if a Traditional IRA, Roth or even a Self-Directed IRA is the best fit for you. We encourage everyone to speak with a fiduciary  Read more ➝

keys on a wooden table with a house keychain

Should You Pay off Your Mortgage? A Difficult Decision.

In most cases, it would be optimal to pay off your mortgage before retirement. However, we do not live in a perfect world.  Not everyone can afford to pay off this massive amount of debt. According to Fannie Mae, only 1 in 2 homeowners entering their retirement years will pay off their mortgage—within the near  Read more ➝

At a crossroads: which is better: to retire with zero debt or a million bucks?

Which Is Better For Retirement: Zero Debt or a Million Bucks?

How You Frame the Question Makes a Difference Recently, one of our clients asked me an interesting question.“Would it be better for me to retire with no debt or to have a million dollars in my bank account?” Our client offered some interesting reasoning as to why the question was framed that way. As I  Read more ➝