Note – some investors well below age 65 may not read this assuming it does not apply to them or Medicare is too far away. However, I think this is valuable information to understand because the federal government’s shift towards “means testing” will likely grow as a larger portion of the national budget transitions toward… Read More
Regardless if you are retiring or moving to a new employer, once you leave your current job you will need to decide what to do with your 401(k). You have a handful of choices. I have outlined the benefits and disadvantages of each option below. Your personal circumstances may favor one option over the other…. Read More
This article was written by a special guest author and colleague, Stephen Reh. Stephen Reh CFA, MBA, CFP® is the founder of Reh Weath Advisors LLC and https://investwithsteve.com/, a financial advisor in Southern California. Stephen is a member of the National Association of Personal Financial Advisors like David J. Fernandez, CFP® and specializes in financial planning and investment advice. Do you… Read More
I’d like to thank Michael J. Garry, CFP®, JD/MBA for today’s post about Using Your IRA as Part of Your Wealth Transfer Legacy. Michael is a Certified Financial Planner practitioner (CFP®) and financial advisor in Newtown, PA. His firm, Yardley Wealth Management, LLC, performs comprehensive financial planning and in-house investment management. I highly recommend if you’re… Read More
The IRS incentivizes investors to make tax deductible contributions to a number of different tax-deferred accounts such as an IRA, 401(k), SEP IRA, SIMPLE IRA or 403(b). For many investors this is their primary way of saving for retirement. The IRS allows the tax deduction on initial contribution and the continuous tax-free compounding of growth… Read More
One important area of planning for a successful retirement is to have adequate health care coverage. Health care costs have been escalating at over twice the rate of inflation for a number of years. For those wanting to retire prior to age 65, health care is typically one of the largest “bridge” expenses to cover… Read More
I would like to thank Greg Phelps for today’s article about Efficient Markets. Greg Phelps, CFP®, CLU®, AIF®, AAMS® is a 20+ year industry veteran. His firm Redrock Wealth Management provides fee only fiduciary financial advice and retirement planning to clients in the Las Vegas area. In 1965 Eugene Francis “Gene” Fama, (CEO of Dimensional Fund Advisors and Nobel laureate… Read More
Our Blog Post today is brought to you by fellow fee-only financial advisor, Phillip Christenson of Phillip James Financial. His article is about The Biggest Challenge to Investing Success. Phillip is a CFA, Chartered Financial Analyst, independent financial advisor and portfolio manager. He helps people with comprehensive financial planning, tax planning, and retirement projections. If you’re ever in… Read More
Many of my clients have children, grandchildren or other loved ones who plan to attend college in the future. However, it is becoming more challenging each year to plan for the cost of college as the costs are increasing at more than double the rate of inflation. This has been a consistent increase over the… Read More
Our Blog Post today is brought to you by fellow fee-only financial advisor, Gregory A. Johnston of Johnston Investment Counsel. His article discusses how to go about Developing a Strategy for Handling Student Loan Debt. Gregory A. Johnston, CFA®, CFP®, CPWA®, QPFC, AIF® has over 25 years of investment and comprehensive finanical planning experience. He started Johnston Investment… Read More
Wealth Engineering, founded by Dave Fernandez, CFP®, provides fee-only financial planning and investment management services.
We utilize a global investment strategy to create diversified portfolios to provide less volatile, risk-adjusted returns in a long-term, tax-efficient manner.
