Diversification: Always Something To Celebrate (And Apologize For)
This may feel like an old, well-worn topic, but please bear with me; I hope to present a new twist. Diversification is a time-tested way for investors to manage the inherent risks of investing by owning lots of different kinds of assets. Diversification takes many forms, but often looks like this example: owning 60% of a portfolio in stocks and …
Healthcare May Be Broken, But Your Retirement Plan Doesn’t Need To Be
Live on less than you earn, pay less interest on debts than you receive on your assets, mind your taxes, and you’ll be fine. It sounds so simple, and it is. Similarly, eat fewer calories than you burn, exercise regularly, avoid running red lights in your car, and you’ll be fine. It sounds so simple, and yet it’s not. Why? …
Employee Spotlight: Sharley Hartley
Sharley Hartley Financial Paraplanner Sharley grew up in Utah enjoying all of the many things it has to offer. She studied Psychology and Criminal Justice before realizing the financial world is where she wants to be. After obtaining her Series 7 and 63 and working as a broker she decided to get into financial planning. When out of the office …
Employee Spotlight: Aisha Bair
Aisha Bair Director of Client Services Aisha came from a small mountainous town called Bend, Oregon. She went to SUU for Business Management and is working on her degree. She and her husband, Andrew, have a daughter named Maya. They love to bake and cook as a family. Aisha enjoys teaching Maya how to sing and play piano as well …
HARVESTERS EVENT
We are so proud of our clients, family and friends that donated most needed items for our food drive and those that were able to participate in the Child Feeding BackSnack Program this past Saturday at Harvesters. We had a little over 40 folks who worked four assembly lines and put together approximately 3135 backpacks filled with nutritious, child-friendly foods …
Back to the Basics: Revisiting an Enduring Strategy
In a recent email from a very well-known firm in our industry, the subject line stated, ‘[this person] Shares A New Retirement Strategy.’ Always eager to add a new tool to the toolbox, I read further. What the article was sharing was a strategy that isn’t ‘New’, but it’s one that we’ve been using since the day Elevated Retirement Group’s …
Briefcase Study: Those Pesky Remaining Debts
Before retirement, most people would like to pay off any remaining debts, so they can feel good going into that next phase of life all tidied-up. That makes a lot of sense, both financially and psychologically. In a recent meeting, we not only discussed this but put a plan together that was well received by the family, so we thought …
Is Estate Planning Only For Rich People?
I recently had the pleasure of teaching two classes called ‘Your Retirement And Taxes.’ In the classes, we sought to deepen our understanding of how our tax system works as it pertains to investments and income sources, as well as consider some strategies available to a retiree to pay only their fair share of taxes during retirement. While the subject …
Report: Funding Your Retirement
It’s extremely important that we all take our retirement into our own hands. The concept of not preparing and relying on a government-sponsored retirement is not the best plan. Financial woes combined with the fact that the U.S. population is continuing to age, means that there are fewer working-aged people remaining to contribute to our social security systems. On a …
The Roth IRA Is Taking Your Medicine
Taxes, taxes, taxes. When we celebrate Independence Day each year, it’s easy to focus on the fireworks and forget that much of our dispute was over taxes. After all, wasn’t that part of the deal when we declared to the British that we wanted to see other people? That ‘taxation without representation’ thing, right? Well, in the hundreds of years …
