Previous Employer Retirement Plans [401(k), 403(b), Etc.] – What Do You Do With Them?

by Adam Oerther, CFP® One employee benefit companies often use to attract and retain talent in the workforce is access to a retirement plan, such as a 401(k), 403(b), or SIMPLE IRA plan. These types of plans allow you to make pre-tax contributions, which not only lower your taxable income for the year but also …

How Do People Get “Rich”?

by Adam Oerther, CFP® While the definition of “rich” is different for everyone, just about all lifestyles require money. Being able to sustain these lifestyles without having a recurring income (i.e. a salary), particularly during your retirement years, requires an accumulation of resources from which you can fund the activities you need and want to …

What is Bitcoin? Should I Invest?

by Adam Oerther, CFP® If you watch or read the news on an even semi-regular basis, chances are you have come across the term Bitcoin at least once or twice. Considering the price of Bitcoin has skyrocketed this year, with the year-to-date return at over 1000% as of December 8th, it’s no wonder the mass …

Investing vs. Trading – What is the Difference?

by Adam Oerther, CFP® When people find out someone works in investments, that person receives a number of reactions: “So, when is the next correction coming?” “Which stocks should I buy right now?” “How will [some political situation] affect the stock market?” These questions are interesting, not because they are silly or unreasonable (who wouldn’t …

End-of-Year Tax Planning Strategies

No matter your political leanings, paying taxes is a fact of life and an integral part of modern society. However, the federal government recognizes many different tax-advantaged strategies that lower your tax bill when the time to file comes around each year. This article will focus on a few of the more popular of these …

A Personal Solution to a National Problem

It is no secret that college students today are graduating with unprecedented levels of student loan debt. According to Forbes, the total student loan debt currently sits at just over $1.3 trillion, with the average student from the Class of 2016 holding $37,172 of that debt. With no clear signs of tuition rates stabilizing in …