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Timothy Watters CFP was quoted in an article from REDFIN on How to Prepare Financially as a First Time Home Buyer: Are you thinking of buying your first home? Before you hire a real estate agent or start house hunting, you need to take the time to prepare yourself financially.

If you’ve become the beneficiary of an IRA or other retirement account, it’s important to know your options.

Are you confused by IRA Rules?

Are you confused by IRA Rules? Join the club!

The variety of choices leads many to bury their heads in the sand. There are Traditional IRAs, Roth IRAs, Nondeductible IRAs and Inherited IRAS and IRA Rollovers as well. This is on top of all the various retirement plans offered by employers.

Roth IRAs are funded with money that you’ve already paid tax on, and then they grow tax-free.

You may have seen the news…TD Ameritrade is eliminating base commissions for online exchange-listed stock, ETF (domestic and Canadian), and options trades, moving from $6.95 to $0.00. TD Ameritrade Institutional has been a valued strategic partner to our firm and we’re thrilled by their move to lower the cost of investing and trading for you. The change goes into effect on October 3, 2019.

Just like the old warning against putting all of your eggs in one basket, if you put all your money in one company stock and it dropped like a ro

If you’re like most people, most of the time, you focus your financial efforts on maximizing your current income.

Checklist of Planning Issues for Nontraditional Couples

Three primary questions to keep in mind:

o What are the implications of being “legal strangers” (unrelated parties) versus being legally married partners? (e.g. no spousal social security benefits, no automatic right to inherit).

o What would happen if one of the partners died?

Student Loans are a Big Deal!

Tax efficient investing involves strategies to help reduce the impact of taxes.