Resources
Whether you’re a widow, a business owner, or a professional afraid to face retirement, I have various resources here to get your started.
If you’re ready to go deeper, schedule a call with me on my calendar.
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Four Key Objectives of a Sound Retirement Plan
A sound retirement plan should be based on your particular circumstances. No one strategy is suitable for everyone. Once you’re retired, your income plan should strive to address four basic objectives: earn a reasonable rate of return, manage the risk of loss,...
Time to Bulk Up Your Emergency Fund
A financial crisis — such as a job loss or medical emergency — can strike when you least expect it. It is important to be prepared by having a financial safety net in place — not having one could prove to be financially devastating. But bulking up your emergency fund...
Rising Oil Prices Could Pose the Latest Threat to the Economy
Oil prices have increased more than 30% since late June, driving up transportation costs for consumers and businesses and putting financial markets on edge. On September 27, West Texas Intermediate crude — the U.S. benchmark for oil prices — topped $93 per barrel, the...
Breaking Down Clean Vehicle Tax Credits for Business Owners
If you own a business, you might be able to use one of these two new federal tax credits to help offset your cost to purchase certain clean vehicles (including electric, plug-in hybrid, and fuel cell vehicles). Both credits are nonrefundable if they exceed your tax...
Tax-Loss Harvesting Offers Chance at Silver Lining
Stock market downturns can be rough on your portfolio’s bottom line, but they may also offer the potential to reduce your tax liability and possibly buy shares at a discount. When an investment loses money, it’s often best to look beyond momentary price swings and...
Bond Yields Are Up, but What Are the Risks?
After years of low yields, bonds are offering higher yields that may be appealing to investors regardless of their risk tolerance. While bonds could play a role in any portfolio, they can be a mainstay for retirees looking for stability and income, and near-retirees...
What Is a Bond?
When you invest in bonds, you are investing in the debt of a government entity or a corporation. A bond is simply evidence of a debt and represents a long-term IOU. Bonds are issued by federal, state, and local governments; agencies of the U.S. government; and...
What Types of Bonds Are Available?
Bonds are issued by federal, state, and local governments; agencies of the U.S. government; and corporations. There are three basic types of bonds: U.S. Treasury, municipal, and corporate. Treasury Securities Bonds, bills, and notes issued by the U.S. government are...
What Is Diversification?
Virtually every investment has some type of risk associated with it. The stock market rises and falls. An increase in interest rates can cause a decline in the bond market. No matter what you decide to invest in, risk is something you must consider. One key to...
What Are Zero-Coupon Bonds?
Zero-coupon bonds (“zeros”) represent a type of bond that does not pay interest during the life of the bond. Instead, investors buy these bonds at a steep discount from the “face value” (the amount a bond will be worth when it matures). When the bond matures,...
What Is Stock?
Most people know something about the stock market, but many investors who see stock as a way to get rich quick might not understand exactly what stock is and how it works. Before jumping feet-first into investing in stocks, it is important to understand some of the...
How Are Mutual Funds Taxed?
Many people have heard the Benjamin Franklin quote, “In this world nothing is certain but death and taxes.” Mutual fund taxes can be onerous. However, if you understand the complexities of mutual fund taxes and are prepared when tax season comes around, you may be...
CONTACT Carolyn
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Mon–Fri 9:00AM – 5:00PM
Opening hours
Mon–Fri 9:00AM – 5:00PM
Talk to Carolyn
Schedule a call or Call at 919-729 6545
Talk to Carolyn
Schedule a call or Call at 919-729 6545