The Pitfalls of Target Date Funds, Robo-Advisors, and DIY-ers

If you're an investor with a substantial portfolio, you may be wondering if target date funds or robo-advisors are right for you. While alluring in their simplicity and low costs, both options have considerable downsides for high-net-worth individuals. In this post, we explain the issues you should know and why personalized financial planning is ultimately essential.

Should I Roll Over My $1M 401k in Retirement?

With a 401k balance exceeding $1 million, retirees in St. Louis (and across the country) face an important decision - should they roll over funds into an IRA or leave it with their employer? This guide examines the pros and cons of both options.

Financial Planning for $750k+ Portfolios in Retirement in St. Louis, MO

Professional guidance for retirees in St. Louis, MO with substantial portfolios over $750k. Discover popular and unique planning strategies to generate retirement income, reduce taxes, and create a legacy.

Rising Yields, The Economy, and The Stock Market

Longer term bond yields are rising. Why? And this hurts stocks, why? But the economy is strong? Read on.

What is a buffered ETF? What are defined-outcome ETFs? What is a Target Outcome ETF?

A Defined Outcome ETF, also known as a Buffered ETF or Target Outcome ETF, is a type of exchange-traded fund (ETF), or financial product, that provides some protection for your investments. They're designed to protect your money from some losses in the stock market while still allowing you to benefit from some potential gains. They are considered an alternatives strategy or an options strategy.

Navigating the Complexity of Taxes in Retirement: Strategies for a Smooth Financial Journey

As we venture into the golden years of our lives, retirement beckons as a time of relaxation and enjoyment. However, the path to a stress-free retirement can be obstructed by a challenge many retirees face: taxes. The intricate nature of tax laws can make it difficult to navigate the tax landscape during retirement. Fortunately, there are strategies that can help you navigate this complexity and alleviate the burden of taxes. In this blog, we will explore the challenges associated with taxes in retirement and discuss strategies that can lead you towards a smoother financial journey.

Can you retire on 1 million dollars ?

Many Americans believe they can retire on 1 million dollars in a retirement account like a Traditional IRA or a 401k. Is this possible for the average retired couple? Can you retire on 1 million dollars?

What is compound interest? Put your money to work.

Compound interest is like magic money that grows over time... Put your money to work for you.

Are Your Accounts Safe After the Recent Bank Collapses?

Are Your Accounts Safe After the Recent Bank Collapses? Yes.

The collapse of Silicon Valley Bank (SVB) has been dominating headlines and causing confusion and concern among investors. Our clients are our number one priority, and we want to be sure you understand the current bank collapse situation and how it might affect your accounts. The bottom line: Your accounts are safe. The firm stands behind Federal Deposit Insurance Corporation (FDIC) coverage of its Core Accounts Sweep Program provided to clients. The FDIC insures up to $250,000 per depositor at each insured bank. Commonwealth’s network of 27 banks creates a safety net for much more than that by cascading funds across insured institutions to offer maximum security.

Why does the stock market lead the economy?

What does it mean that the stock market leads the economy? And why does it? What are some examples?