In this podcast I will answer the question: What are the benefits and limitations to the 4% withdrawal rule for retirement planning? The rule of guideline came out in the 1990s. It states that if a retiree withdrew 4% of their initial retirement savings...read more
In this podcast (below), I will answer the question: What general types of investments should I consider? I will discuss stocks, bonds, ETFs, mutual funds, gold, commodities, real estate, REITs, and more. Asset allocation is simply splitting an investment...read more
This is our first podcast answering questions that we receive. The first question I’ll address is: What should I consider before investing? First – make sure they have a prudent reserve. It is recommended that people have liquid assets to cover about 3-6...read more
There are some obstacles for stocks to continue to go up in 2015, but there is optimism that the bull market will continue. With no election coming up soon and a tendency for stocks to do well in the third year of a presidential term, there is additional...read more
File and Suspend If you are at your full retirement age (FRA), you can continue to work and suspend your benefit so your current spouse can collect a spouse’s benefit and you and earn delayed retirement credits (DRCs) which increase your Social Security...read more
PBS Frontline had a special a month ago about investing and retirement. They focused on fiduciary responsibility and fees related to investing. The 52-minute video can be seen at: http://www.pbs.org/wgbh/pages/frontline/retirement-gamble/ They state that...read more
Two months after the Supreme Court struck down the Defense of Marriage Act, the Treasury Department ruled that legally married same-sex couples will be treated as married for federal tax purposes. The decision has a host of implications, even for couples...read more
I spent the holiday break with my wife’s family in Caborca, Mexico. Their homes and possessions are pretty simple, but they have nice celebrations and full lives. The median annual household income in the US is about $29,000, in Mexico it is about $4,500....read more
We received a request over email from a client who wanted money wired to a bank for the purchase of furniture. We filled out the Schwab paperwork and email them to her (at the email her correct email address). She signed and returned the form but Schwab...read more
Here are a few ideas for saving money. Unplug electronics that are not in use – ‘vampire’ electronics consume an average of $100 worth of energy per year when turned off. Low-flow showerheads can save about 2,900 gallons of water per year. In winter,...read more
When you work with AIO Financial, you work directly with Bill Holliday, CFP - a fiduciary working just for you.
Bill, a Certified Financial Planner with over 15 years of experience, is at every client meeting and responsible to insure your financial plan is properly carried out. We work with you on a comprehensive financial plan so that we are considering all aspects of your finances.
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