Blog

How To Use Your 401(K) or IRA For Income In Retirement

When I meet with prospective clients who are close to retirement, many have similar questions or concerns as they transition from saving for retirement to evaluating options on using their savings for retirement income.

Are All Independent Advisors Created Equal?

I often hear from prospective clients who are interviewing multiple advisors that they are only considering "independent advisors like you" when I sit down with them for our initial meeting.

Understanding Your Investment Costs - The ABCs of Mutual Fund Classes

One of the easiest ways to increase your return on investments is to avoid paying commissions on the mutual funds in your portfolio. These commissions (commonly referred to as loads) can be in the form of an upfront load, back-end load, or an ongoing annual fee.

Fiduciary vs. Suitability - What's the Big Deal?

If you've been paying attention to the latest financial headlines, you've probably noticed a lot of debate regarding the Fiduciary vs. Suitability standards and how they apply in the financial industry. What's the big deal?

Social Security Benefits: Don't Leave $$ on the Table!

Choosing when to start receiving Social Security benefits is one of the most important decisions today in retirement planning. How do you maximize the benefits for yourself and your spouse?

Why Fee-Only?

When I founded Bluegrass Financial Planning, I had to choose the best way to structure the firm to provide objective, unbiased advice to my clients.

Welcome!

Hello and welcome to My Two Cent$ Blog. This blog will serve as another way for us to share information that is current and relevant within the world of personal finance.