Tag: Retirement


Are Spousal IRA Contributions Right for Your Situation?

Did you know that even if your spouse doesn’t have any earned income, you can establish and contribute to his or her IRA. This is a simple but potentially powerful financial planning opportunity. This comes as a surprise to many because they believe that each taxpayer has to have their own earned income. This is […]

Read More

Taking Risks in Retirement

Sometimes taking risks seems rather enticing, especially in retirement when you have time to research new ideas and the latest stocks. But as Marianela Collado points out in this New York Times article, big risks can have big downsides, and smaller investment pools can tolerate less risk. To learn more about taking risks and avoiding […]

Read More

In the News: 4 Options for Offering Your Workers a Savings Plan

Tobias Financial Advisors was recently featured on the American Express Open Forum article titled “Employee Retirement: 4 Options for Offering Your Workers a Savings Plan.” You can read the full article here.   — Hyperlinks on this site point to sites beyond this page. We provide these links as a convenience only and disclaim any responsibility […]

Read More

The Numbers That Matter for Retirement

In the process of financial planning for retirement, we work with a lot of different statistics and formulas to get you the information you need. We analyze your income, investments, savings and returns  to assess how much money you have right now, how much you will have, and how much you can have, based on […]

Read More

The Uncommon Average

“I have found that the importance of having an investment philosophy—one that is robust and that you can stick with— cannot be overstated.” —David Booth The US stock market has delivered an average annual return of around 10% since 1926.[1] But short-term results may vary, and in any given period stock returns can be positive, […]

Read More

Why Incentives Matter: Brokers vs. Fee-Only Advisors

When making a major decision in our lives, whether purchasing a new car, buying our first home, saving for retirement, or investing in our children’s education, we are all looking for the same thing; knowledgeable and unbiased advice.  However, it can sometimes be difficult to know whether the advice we are getting is truly in […]

Read More

Lessons for the Next Crisis

Early October marks the 10-year anniversary of the S&P 500 Index  reaching  its all-time high  before losing more than half its value over the next year and a half during the global financial crisis. In the coming weeks and months, as other anniversaries of major crisis-related events pass (for example, 10 years since the bank […]

Read More

The True Value of a Financial Planner

At the start of our adult lives, so much of our time is spent on how we’re going to earn our living and build a career that satisfies us. So little of that time is spent on planning how to manage our wealth once we’ve started building our earning power. Time begins to be spread […]

Read More

When Should Your Loved Ones Stop Driving?

Tobias Financial Advisors proudly advises families across generations and often assists our clients with legacy planning. Many of our clients are challenged with how to provide the best care for their loved ones. Our team of advisors are often asked: when should my elderly loved one stop driving? The trouble is, age isn’t that great […]

Read More

Smartest, dumbest things people do with 401(k) funds

What mistakes do people make often with their 401(k)’s? How can you take advantage of the benefits of 401(k) funds? Marianela Collado discussed Roth to IRA conversions with CNBC. Read the full article here.   —– Hyperlinks on this site point to sites beyond this page. We provide these links as a convenience only and […]

Read More

On your keyboard tap enter to search or esc to close