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The myRA Retirement Accounts are Now a Reality

By | 2015-01-27T13:40:22+00:00 January 27th, 2015|Categories: Personal Planning, Uncategorized|Tags: , , , , , , , , |

Way back in February 2014, I penned a blog about a new option for workers whose employers did not have a workplace savings plan. It was dubbed the myRA and was designed as a starter savings account. President Obama discussed the new savings option in his State of the Union Address last year and the U.S. Treasury [...]

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Sustainable Withdrawal Rates – Part 2

By | 2014-10-20T17:28:07+00:00 October 20th, 2014|Categories: Personal Planning, Uncategorized|Tags: , , , , , , , , , , , , |

As mentioned in part I: Sustainable Withdrawal Rates, estimating the correct amount to withdraw from your retirement savings is critical in ensuring you make your investments last for your entire life as well as your spouses. Part II focuses on the various techniques that can be employed to minimize the risk associated with outliving your retirement [...]

Sustainable Withdrawal Rates – Part 1

By | 2017-05-09T22:13:16+00:00 October 17th, 2014|Categories: Personal Planning, Uncategorized|Tags: , , , , , , , , , , , |

You’ve worked hard your entire life and you’ve saved diligently to make sure you’d have financial freedom in retirement. Now that you are either in retirement or getting close to it, you need to make sure your finances, i.e. what you have in your retirement portfolio, lasts the rest of your life and possibly that of [...]

5 Keys to Smart Investing

By | 2013-11-01T15:05:30+00:00 November 1st, 2013|Categories: Personal Planning, Uncategorized|Tags: , , , , , , , , , , , , |

Making decisions about your retirement account can seem overwhelming, especially if you feel unsure about your knowledge of investments.  However, the following basic rules can help you make smarter choices regardless of whether you have some investing experience or are just getting started.    Don’t lose ground to inflation It’s easy to see how inflation affects [...]

Ideal vs. Acceptable

By | 2017-05-09T22:12:35+00:00 August 1st, 2013|Categories: Personal Planning, Uncategorized|Tags: , , , , , , , , , , , |

At Mackey Advisors™ we do some things a bit differently than the rest of the financial world.  Prospective clients are looking for financial advice they are encouraged not to show up to our office with briefcases bulging with investment statements and tax returns.  Numbers are numbers and too often they bring on feelings of fear and [...]

5 of the Worst Things You Can Do With Your Money

By | 2017-04-18T20:53:58+00:00 April 18th, 2013|Categories: Press Room|Tags: , , , , , , , , , , , |

reposted from Yahoo Financeby: Lisa ScherzerApril 16, 2013 Financial blunders are made all the time and everywhere – at the grocery store, at the bank, in the housing market, in the stock market, with your children’s allowance. Some stem from a lack of knowledge or awareness, while others are the result of human behavior that often [...]

2013 Retirement Planning Key Numbers

By | 2013-03-01T20:22:55+00:00 March 1st, 2013|Categories: Personal Planning, Uncategorized|Tags: , , , , , , , , , , , , , , , |

Certain retirement plan and IRA limits are indexed for inflation each year, and many of the limits eligible for a cost-of-living adjustment (COLA) have increased for 2013. Some of the key numbers for 2013 are listed below, with the corresponding limit for 2012. (The source for these 2013 numbers is IRS Information Release IR-2012-77.) Elective Deferral [...]

How to get your 401(k) ready for retirement: Retiring in 5 years or less? 9 investing tips

By | 2017-04-18T20:53:59+00:00 December 20th, 2012|Categories: Press Room|Tags: , , , , , , , , , , , , , , |

reposted from MarketWatch.comby: Andrea CoombesDecember 19, 2012 If your retirement date is just a few years away, it’s time to start fine-tuning your 401(k) and your overall savings strategy. Retirement experts offered these nine tips for savers who are nearing retirement. 1. Stash some savings outside of retirement accounts Many savers keep all of their retirement [...]

8 Ways to Jump Start your Wealth in 2013

By | 2017-05-09T22:11:41+00:00 December 20th, 2012|Categories: Personal Planning, Uncategorized|Tags: , , , , , , , , , , , , , |

Here are my tips for a more positive, joyful and prosperous 2013. Reflect on your success in 2012.   Success begets success.  When you focus on the positive, you naturally create more.  Small wins keep you going, particularly in times of stress.  Find the good! Use the My Money Checklist tool to discover 1 or 2 new [...]