Financial Planning Archives - Thinking Beyond Numbers

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Many of you know that I am a big believer in the National Association of Personal Financial Advisors (NAPFA). They are, IMHO, the special forces of financial advisors. To further

by Rich Feight, CFP

Insurance

Investing

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What are the Pros and Cons of Variable Annuities?

Variable Annuities are a controversial topic for investing. They have good points. There are also some bad points. It's hard to know if they're right for you without an analysis.

by Rich Feight, CFP

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Financial Planning

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How to Save Money as a High School Graduate

A client sent the following email. It's a great topic for high school graduates or any young person entering adulthood. So I thought I'd share: At this time of year, I

Use Coast F.I.R.E. to Achieve Work Life Balance

Recently, I heard of an adaptation of F.I.R.E. that made my ears perk up - Coast F.I.R.E.. What is Coast F.I.R.E.? For us, it's a way to achieve work-life balance. Backstory As

Supercharge the 50/30/20 Budget Rule for Retirement

Do you have a budget? Do you know the 50/30/20 budgeting rule? This post is my take on the 50/30/20 rule and how it can be supercharged for retirement. The 50/30/20

by Rich Feight, CFP

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Financial Planning

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Social Security Trust Fund Depletion: How Will Congress Fix It?

News reports frequently warn that the Social Security trust fund is nearing depletion. While estimates vary with economic fluctuations, the latest suggests the fund will be exhausted by 2035, just

by Rich Feight, CFP

Financial Planning

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How Much Should You Be Saving?

Have you ever wonder how much you should be saving? There has been a lot of research about what the best withdrawal rate is in retirement. The opposite side of

by Rich Feight, CFP

Insurance

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Should I Invest in Life Insurance for Retirement?

Life insurance is often sold as a retirement solution because you can take policy loans tax-free. You may be asking yourself - should I invest in life insurance for my

by Rich Feight, CFP

Financial Planning

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Where to Save Money 10 Years Out from Retirement

As you get closer to retirement, where you save is almost as important as how much you save, particularly if you're retiring before age 59 1/2 or 65. Why? Because

The Presence Process of Money

Are you mindful with your money? Do you know where you spend it? If you don't, you may benefit from the Presence Process of Money. Recently I read this really interesting

by Rich Feight, CFP

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