When changing jobs, you have a choice: cash out or transfer your retirement funds to a new home. Unfortunately, most employees opt for the former when choosing the latter is almost always a better financial decision. Say this to yourself: retirement funds are for retiring. While it sounds silly, too few people adhere to this...

The Tax Cuts and Jobs Act (TCJA) changed tax deductions, making defined contribution retirement plans, such as 401(k) plans and pensions, more appealing for small businesses, entrepreneurs and certain taxpayers with earnings too high to benefit from the new qualified business income (QBI) deductions. But defined benefit plans come with qualifiers that can reduce benefits...

Check out the SEC’s Howeycoins.com for insights into red flags that could indicate scammers are at work.   It was a tough weekend for bitcoin trading. Weekend losses racked up on news that Coinrail, a South Korean crytocurrency exchange, was hacked to the tune of $42 billion in value. Bitcoin prices hit a 2-month low on Sunday, June 10, according...

Women and men are not financial equals at the time of retirement. Women have fallen behind, held back by a lack of investing confidence and a pay disparity. That creates a $1 million “wealth gap” for women as they approach retirement age, according to the 2018 Age Wave study. Women make up roughly half of...

As a business owner, you have options for retirement plans that in most cases, reduce your taxable income. Whether you’re self-employed, or a small business owner with valued employees you want to reward, employer-sponsored IRAs may be a better fit over more complicated 401(k) plans for building nest eggs on a tax-deferred basis. While there are many...

The following content is part of our Fly of the Month Club. This article is written by Tom Caprio from 5280 Angler. Just as you have financial advisors that guide your portfolio choices, a fly fishing guide can help you make the most of your investment of fishing gear and time. Where is the Best Return:...

As a recent graduate of CU Boulder, majoring in both Finance and Accounting, Giulia joined our team this month as a Financial Paraplanner. However, she has been a part of the team since 2016, spending two summers with us as an intern. Her forward thinking and fresh, young perspective will bring a wealth of knowledge...

Over the last few months we have had numerous conversations with our clients regarding the Fiduciary Rule from the Department of Labor (DOL) that went into effect on June 9th.  This rule has certainly created controversy in the Financial Services industry but what cannot be debated is the core focus of this legislation…protecting the individual...