From: REAP, LLC. | Retirement & Estate Advisors & Professionals
Have you ever daydreamed about receiving a sudden windfall?
At some point many of us will receive an insurance payout, a significant tax refund or a bonus for a job well-done.
Though it would be tempting to put the whole amount toward a luxurious vacation or a new car, it’s important to think about your long-term…
From: REAP, LLC. | Retirement & Estate Advisors & Professionals
Have you ever wanted to talk about money with a friend or partner, then decided against it? It can be uncomfortable to share how much you earn, how much you’ve saved or how much you owe.
You might feel ashamed of your credit card balance or feel awkward that you seem to earn more than your friends.
But…
From: REAP, LLC. | Retirement & Estate Advisors & Professionals
Has anyone ever made an unfair assumption about your money habits? Was that assumption based on how old you are?
People often look for patterns and trends when it comes to spending and saving, but in reality, your financial approach probably isn’t based on age or decade alone.
What do you think? Do these common beliefs hold true,…
From: REAP, LLC. | Retirement & Estate Advisors & Professionals
When was the last time you checked your portfolio’s asset allocation? If your answer is “never” or “I can’t remember,” then it may be time to rebalance.
Maintaining the right balance of stocks and bonds across all your accounts is important when it comes to managing risk, and rebalancing every year or so helps you do that.
Here’s what…
From: REAP, LLC. | Retirement & Estate Advisors & Professionals
You’ve probably heard that you should have an emergency fund. The purpose? To tide you over for a few months in case you lose your job.
So does that mean you can stop worrying about maintaining this rainy day account once you retire?
Not really. Retirees should probably consider keeping their emergency funds intact for several reasons.
Here’s why…
From: REAP, LLC. | Retirement & Estate Advisors & Professionals
Has a friend or relative ever asked you for a sizeable loan or financial gift? Handling this situation can be tricky. You don’t want to damage your relationship, but you also need to do what’s right for yourself.
With a careful approach, however, you can smoothly manage whatever request comes your way.
Saying Yes
If you’re comfortable saying yes…
From: REAP, LLC. | Retirement & Estate Advisors & Professionals
Say you’ve reached your 50s or 60s and wish you’d saved more for retirement. Those work-free years that were once a distant fantasy have almost arrived, and while you’re looking forward to them, you’re also feeling a little nervous.
Why? Well, you don’t want to rely too heavily on Social Security, which probably won’t pay enough for a comfortable…
From: REAP, LLC. | Retirement & Estate Advisors & Professionals
Who wouldn’t love more control over how they spend their days? Retiring early can make that happen sooner rather than later, but it’s also a huge decision.
If you’re in a position to retire early — or if you aspire to find yourself in this position one day — how do you know exactly when to make…
From: REAP, LLC. | Retirement & Estate Advisors & Professionals
Have you heard of zero-based budgeting?
This approach isn’t for everyone, but many people find it’s an efficient way to keep track of their finances and stick to their goals.
And zero-based budgeting can be a good fit no matter where you are in life, whether you’re a young adult just learning about money or you’re retired and…
From: REAP, LLC. | Retirement & Estate Advisors & Professionals
Does talking about prenuptial agreements make you uncomfortable? For many of us, the answer is “yes.”
Realistically, signing a prenup doesn’t mean that your marriage is doomed or you don’t trust each other. It means you’re wise enough to plan for the worst even as you’re striving for the best.
Even though marriage is based on love and commitment,…
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