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Why Retirement Planning is Important

By John Culpepper | November 30, 2021 | Comments Off on Why Retirement Planning is Important

We all dream of it, the golden years when we can finally sit back, relax, and enjoy our coveted retirement. For some, it might include beachside cocktails; for others, it could be a standing tee time at their favorite golf course. Dreaming is one thing; making it a reality is another.   You likely don’t…

What Does Tax Deferred Mean

By John Culpepper | November 26, 2021 | Comments Off on What Does Tax Deferred Mean

It goes without saying that nobody is a fan of paying taxes, and if given a choice, most people would hold off forking over the money for as long as humanly possible. The good news is that there is a way to put off the inevitable, and you can even take advantage of substantial savings…

Difference Between Roth IRA and 401K

By John Culpepper | November 23, 2021 | Comments Off on Difference Between Roth IRA and 401K

For many years, the only choice for a retirement savings account was the 401K. In 2006 the Roth IRA was introduced, giving companies and employees an alternative. At first glance, these savings accounts appear very similar, but a deeper look will unveil critical differences between them. Selecting the appropriate account could equate to thousands or…

What Is a Financial Advisor

By John Culpepper | November 19, 2021 | Comments Off on What Is a Financial Advisor

If you want to get your finances and retirement in order, you need to organize and formulate a solid strategy to achieve those goals. This is a daunting task that many people are either unwilling or incapable of taking on; that’s where financial advisors come in. They can help you grow wealth, invest strategically, mitigate…

When Can You Withdraw From 401K

By John Culpepper | November 16, 2021 | Comments Off on When Can You Withdraw From 401K

401Ks are tax-advantaged retirement savings accounts, and many people contribute money to them every single year. Sometimes employers will match those contributions, creating the potential for you to build up a significant nest egg with a 401K.   Equally important as putting money into the account is knowing when the best time is to make…

How to Calculate Net Worth

By John Culpepper | November 12, 2021 | Comments Off on How to Calculate Net Worth

One of the most useful and commonly evaluated financial metrics is net worth. Net worth is the value of everything you own, including financial and non-financial assets, minus everything you still owe, otherwise known as your liabilities. The higher your net worth, the better your financial status.   Your net worth is an excellent indicator…

Is it Time for a Value Play?

By John Culpepper | November 10, 2021 | Comments Off on Is it Time for a Value Play?

The transition from growth to value and back to growth stocks often accelerated during the pandemic. Growth-oriented stocks usually outperform when the economy is on the rise. Therefore, growth stocks took the path of the coronavirus: They tanked during the lockdown, they rose again when the economy reopened and then stumbled again until vaccines were…

How to Evaluate a Stock

By John Culpepper | November 4, 2021 | Comments Off on How to Evaluate a Stock

There are moments in history when people have claimed investment choices don’t matter because if the market is up across the board, you cannot fail. That is not true. In fact, that should never be guiding financial advice. However, there is no doubt that the market has been up for many years — notwithstanding the…

Savings Strategies

By John Culpepper | November 4, 2021 | Comments Off on Savings Strategies

Some people have no trouble saving money — they stash away any cash they don’t need, and their account grows and grows. These people usually aren’t very materialistic and don’t have a lot of goals that require money to fulfill. That’s a wonderful trait, in some ways. However, there’s nothing wrong with setting up specific…

How Inflation Risk Can Affect You

By John Culpepper | October 22, 2021 | Comments Off on How Inflation Risk Can Affect You

Inflation is a steady rise in the price of goods and services over time and actually signals both good and bad economic conditions. On one hand, as prices rise, someone living on a fixed income cannot purchase the same amount of goods, so they tend to reduce spending or buy cheaper alternatives. On the other…

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