Financial Advisor Insights

4 Year-End Financial Moves You Haven't Thought Of

by Kristin McFarland, CFP® on December 04, 2018 in Financial Planning

The end of the year is always a busy time, but it's often the last chance to ensure money-moves will count towards the current tax year. If you've been slow to tackle your financial to-do list this […]

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Social Security Strategies for Married Couples with Unequal Incomes

It isn't always advantageous to wait until age 70 to file for Social Security benefits, especially when one spouse is the primary breadwinner and both spouses are eligible for benefits on their own […]

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The Truth About Market Timing

by Kristin McFarland, CFP® on November 13, 2018 in Investing

The debate about whether investors can regularly 'beat' the market by timing when to buy and sell is not new. At the most basic level, individual and institutional investors have the same goal: to […]

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New IRS Contribution Limits for 2019

The IRS has released the 2019 cost-of-living adjustments, resulting in widespread increases to annual deferral limits - including the IRA, which previously hadn't changed since 2013.  

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Infographic: Impact on Social Security Benefits by Age Claimed

When to take Social Security benefits is a decision every retiree or pre-retiree will ultimately face. Some situations are easier to navigate than others. For example, with a cash shortfall and no […]

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Options After Inheriting an IRA from Your Spouse

If your spouse has named you as a beneficiary on their traditional IRA, SEP IRA, or SIMPLE IRA, you will need to understand your options for the account you have just inherited. In general, you will […]

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How Lifestyle Inflation Can Harm Investors

This article was originally published by U.S. News and written by Kristin McFarland, CFP®, Wealth Advisor at Darrow Wealth Management.

Lifestyle inflation refers to when discretionary spending […]

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What to do after inheriting a retirement account from a parent or relative

If you have just inherited a traditional IRA, SEP IRA, Roth IRA, 401(k) or 403(b) plan from a parent, sibling, or relative, you may be unsure about what your options are and what to do next. As a […]

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Is it always best to max out a 401(k)? Exploring the downside of tax-deferred growth

Updated for 2019. In personal finance, there aren't too many universally applicable hard and fast rules. Although some might reasonably argue that always maxing out annual pre-tax contributions to a […]

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Can You Save Too Much for Retirement?

Updated for 2019. With regular headlines reporting on the retirement savings shortfall facing many Americans, it may seem odd to consider whether it’s possible to save too much for retirement. […]

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