Alpha Insights

2024 Market Commentary – Fight Through the Noise

Most financial “media” pundits like to come out with a New Year’s market outlook during the holidays or first week of January. This year, I intentionally wanted to wait until […]

Different Types of Taxation in Retirement

Unlike your working years while receiving a single paycheck, in retirement you are responsible for ensuring taxes are paid on your income from various sources.  Surprisingly, your cash flow may […]

Do I Need Long-Term Care Coverage?

Life is short…even if you live to 100 years old!  You hear it all the time.  “If only I knew “Joe” was going to pass away so soon, I would […]

Medicare Changes Retirees Need to Know About

New laws are here! The new Inflation Reduction Act is a big enchilada of green energy spending, corporate taxes, and some pretty major changes to Medicare. Is this deal a […]

Are we Headed for a Recession?

The Impact of a Potential Recession From the naked eye, the financial markets look concerning. The S&P 500 is coming off its worst week since the early days of Covid-19 […]

‘Tis the Season! – Graduation Gift Ideas

Do you have someone in your life who is graduating this spring? The form and function of graduation gifts can be sticky territory. It’s important to consider not only the […]

Endowment Effect – The Tendency to Prefer What We Already Own

Once investors conquer the hurdle of saving versus spending as I discussed in my previous behavioral finance article “Delayed Gratification,” they are then faced with the challenge of overcoming certain […]

Congratulations Aaron on Earning Your ChFC® Designation!

Please join Crystal and I in congratulating Aaron on earning his Chartered Financial Consultant® (ChFC®) designation.  This designation is well-suited to accompany his CERTIFIED FINANCIAL PLANNER™ (CFP®).  The ChFC® program […]

Is there value in a 0% return?

As many of our retired clients know, there are a number of pieces to the retirement puzzle. For those of you who have gone through our developed and refined process […]

Beneficiaries – Per Stirpes or Per Capita?

Did you know the paperwork you complete to name beneficiaries on IRA’s, brokerage accounts, annuities, and life insurance will trump your will or trust wishes?  Surprisingly, many people are unaware […]

Delayed Gratification – Why is it so hard to wait for what we want?

In the financial industry, the focus is frequently directed towards technical information – tax rates, stock valuations, price to earnings ratios, alpha, beta, etc. Obviously, these metrics are an integral […]

What is the Deal with Cryptocurrencies?

Cryptocurrencies have been a hot button topic over the past 12-18 months. We are often asked casually if we believe in crypto as a viable portfolio addition or not. Opinions […]

State of the Markets – January 25, 2022

Watch the video below from Aaron Simpson, Owner and President

RMD Formula Changes for First Time in 20 Years

Effective January 1, 2022, you can keep more money in your tax-deferred retirement accounts!  The Internal Revenue Service has updated its actuarial tables for the first time since 2002.  What […]

Understanding a Fixed Index Annuity

A Fixed Index Annuity (FIA) is an insurance contract that has tax-deferred, long-term savings protecting your principal in a down market while providing an opportunity for growth.   To purchase an […]

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