A Closer Look at Roth IRAs

With renewed concerns over higher future tax rates, Roth IRAs are being given a closer look by many investors.  As the tax code can be a landmine to navigate, there are a number of traps to avoid with regards to Roth IRAs.  We take a closer look at some strategies to get additional funds into a Roth IRA even if you are retired or believe your income is too high as well as the considerations you should make to maximize your tax-free growth potential. Would you rather pay taxes on the seeds or the harvest? Perhaps the single biggest decision [...]

Fine-Tune Your Taxes for 2020 and Beyond

While the The Coronavirus Aid, Relief, and Economic Security Act (aka the CARES Act) did postpone the deadline for tax filing from April 15th to July 15th, those taxes will soon become due.  For those that may be feeling the pinch from Uncle Sam, we will share 4 strategies you can start implementing now to fine-tune your taxes for 2020 and beyond.  Suspend Required Minimum Distributions (RMD) for 2020 One form of relief for retirees that was part of the CARES Act allowed retirees to skip their RMD for this year.  For those that have inherited retirement accounts or surpassed [...]

Does it Pay to “Sell in May?”

It is human nature to try to make sense of the unknown. In this time of great uncertainty, it is not surprising that some investors may be tempted to try to use perceived market patterns or indicators to their advantage.  This can take the form of trying to “time the market”, by attempting to make short-term predictions on the direction of prices and investing accordingly.  One such timing strategy that continues to get attention is based upon the adage “Sell in May and Go Away”.  We will take a closer look to see if market timing is likely to payoff.  [...]

5 Ways to Manage Cabin Fever

  During this current period of isolation and shared sacrifice, it is important to remember what we can do to avoid cabin fever and stay connected with our friends, family and community.  Below are 5 ways to avoid the cabin fever blues when they start creeping in. In the digital age, we have gotten far too accustomed to keeping up with friends and family via text and social media.  Now is the time to re-connect the old fashioned way.  Just hearing the voice of a friend or family member can make a world of difference for those feeling the most [...]

REPLAY AVAILABLE: Visionary Horizons’ 2020 Market Insights Webinar

Market Insights - A Review of 2019 and a Preview of 2020 On January 17, Roger Kiger presented our Semi-Annual Market Review and Outlook.  Please click here to register and watch the recording. Please submit any questions to, and we’ll answer them promptly.

The SECURE Act: A Major Shakeup for Retirement Planning

In 2020, retirement planning is expected to experience the first major shakeup since the Pension Protection Act of 2006. The Setting Every Community Up for Retirement Enhancement Act (SECURE Act) was attached to a bipartisan spending bill which is expected to reach the President’s desk later this week. If passed as proposed, it appears the bill does have dual objectives of increasing access to retirement plans for employees of small business and part-time workers while also generating additional tax revenue. [1] We will review some of the major implications for retirement savers and explain what you can do now to [...]

The Search for Income in Retirement

The Search for Income in Retirement November 21, 2019 Nick Hughes, CFP® I regularly hear stories from clients regarding their earlier investing experiences, particularly about the days when rates that were available on CD’s and bonds were much higher. While the U.S. faced two recessions in the early 1980’s, it would seem to be much simpler time to be a saver and investor when you could find Certificates of Deposit at your local bank paying interest rates in the teens. Interest rates on short term CD’s peaked in early May 1981 when you could get paid 18.3% annually on these [...]

Which Bond is Your Favorite?

Early on in my career, I took an interest in bond investments and particularly the role that they play in a sound portfolio.  While many advisors were more interested in finding the next hot stock, I would scour bond inventories and keep an eye on short-term and long-term interest rates.  This provided me a tremendous education on how to utilize bonds to provide income, stability as well as some mistakes to avoid.  With the Federal Reserve’s latest interest rate decision impacting the markets, I thought it was a good time to share some of the things I have learned. 1. [...]

Go to Top