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Time is our most precious resource and I thank you for allowing me to get a few minutes of your time each week. I hope you find the blog helpful and informative. Send me an email if there is ever a topic you would be interested in learning more about. I will research it and write a future blog about it.

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Retirement Planning Specifically For Electric Cooperative Employees

I've seen cooperative employees work for 20-40 years to reach retirement and then quickly settle for the monthly pension annuity option or the lump sum option without actually having a plan to determine if they were making the right choice. I can help you make the right decision for your situation. As an Independent Registered Investment Advisor, I work for you. You can be assured you are getting financial advice from an advisor you can trust, that knows your profession, that once had the same benefit plan as you, that is a Fiduciary who is required by law to put your interest ahead of my own. I worked for a Cooperative for 11 years. I know your profession and benefit plans better than any other financial advisor will. You have excellent retirement benefits available to you. I can help you optimize those benefits while creating a retirement income and investing plan that aligns with your retirement goals.

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Investing Can Be Scary Especially During Scary Times

The past two years have been the most terrifying years for investors since the Global Financial Crisis of 2008-2009. First the pandemic, next a bitterly partisan presidential election and most recently a 40 year high inflation spike. You wouldn't be human if you haven't experienced market volatility fatigue and exhaustion at some point. I know I have. You might also not be human if after two years of this chaos you didn't want to ditch your financial plan and move all your investments to cash for "safety" and to get some rest from the constant volatility.

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Owning The Best Companies In The United States

With the Russian invasion of Ukraine, we’ve seen first hand how world events can affect the markets here in the United States. We’ve seen lots of market volatility since the beginning of the year. But guess what? The market is always volatile. And the reason for that is many investors make all their decisions based on emotion. And by doing this they blur the lines between volatility and risk. Risk and volatility are not the same thing. In fact, they aren’t even remotely related.

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Could You Retire Now?

Without a doubt this is the number one question and concern I hear from people in regards to retirement. So let's talk about this and see if you can retire and have enough money to retire without running out. I think these are questions I can answer with a certain amount of confidence and hopefully I can give you some clarification in the process.

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Why "Beating The Market" Should Never Be Your Goal In Retirement Thumbnail

Why "Beating The Market" Should Never Be Your Goal In Retirement

Yearly portfolio returns are literally meaningless in retirement and conversations about them put me into a deep REM type sleep. The only thing that matters in retirement is that you don't run out of money. That's it! It turns out that "beating the market" or an imaginary benchmark in retirement doesn't really matter if you don't have two nickels to rub together and you're looking for a job when you could be hanging out with your grandkids.

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Are Your Investments Performing Well?

Performance calculations for a portfolio on a monthly statement can be very complex and over a 30-year retirement even totally meaningless. Remember as long-term goal-focused investors, we don’t chase performance, we chase outcomes. If your portfolio is up 25% this month or year congratulations! But will that matter in 15 years if you run out of money??? Retirement is a marathon, not a sprint.

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What Is My Tax Bracket For 2022?

Being "in" a certain tax bracket doesn't mean you pay that federal income tax rate on everything you make. The progressive tax system means that people with higher taxable incomes are subject to higher federal income tax rates, and people with lower taxable incomes are subject to lower federal income tax rates.

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Retirement Decisions

Many of you are blessed to be employed at a cooperative that offers a defined benefit pension plan that provides you with a lump sum payment or a monthly pension payment for life when you retire. Congratulations! Such plans are uncommon today. Most employers have opted for higher matching contributions to 401K plans and pension plans are going the way of the dinosaur. This means most workers have to rely on their own savings and investments to supplement Social Security and other sources of retirement income.

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Retirement Boils Down To One Simple Question

If you spend ten minutes in 2021 reading economic forecasts for 2022, you've wasted ten minutes of your time that you'll never get back. By the way, time is your most valuable asset. Invest it wisely. I recently re-read some of the 2020 outlooks from several of the most respected and well known forecasters in the financial industry such as Vanguard, Goldman Sachs, JP Morgan, etc. You know what I noticed?

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Your Cooperative Annuity Payment Options Explained In English Thumbnail

Your Cooperative Annuity Payment Options Explained In English

You may be considering retirement from your cooperative this year. Most cooperatives that participate in the NRECA plan provide you with an annuity option, lump sum option or some variation of both options via your R&S pension plan. If you are not familiar with annuities and their payment options the choices can be a bit confusing. I'm going to list the options with plain definitions that are easy to understand in hopes that it can help you make an informed decision.

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Receiving A Lump Sum Retirement Distribution From Your Co-op? Don't Make This Mistake! Thumbnail

Receiving A Lump Sum Retirement Distribution From Your Co-op? Don't Make This Mistake!

When you retire from your cooperative you have several options on how to receive your R&S pension and your 401k. You can take it in a series of payments, you can take it as a lump sum distribution or you can do a combination of both. For those of you interested in the lump sum distribution, I want to make sure you avoid a critical mistake that I have seen retirees make.

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