WealthTrace Financial Planning & Retirement Planning Blog


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  • Modeling A Bear Market With A Market Rebound

    by Doug Carey | Sep 12, 2019
    Recessions are difficult to predict, but it is a good idea to know how a recession might impact your investment portfolio and your retirement plan.
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  • Using A Bucket Strategy In Retirement

    by Doug Carey | Aug 27, 2019
    There's a generally accepted way of withdrawing from investment accounts in retirement. Sometimes there are reasons to handle those withdrawals differently, such as when using a bucket strategy.
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  • Diversification Can Save A Retirement Portfolio In A Recession

    by Doug Carey | Aug 15, 2019
    The main reason that treasuries do well when stocks don’t is that the market usually predicts that the Federal Reserve will lower interest rates to fight off a recession or an impending recession. Another reason is what is called “flight to safety”, which means a lot of investors are moving their money out of stocks and into less volatile, much safer treasury bonds.
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  • When It Makes Sense To Withdraw From Retirement Accounts Before It's Required

    by Doug Carey | Jul 10, 2019
    A general rule of thumb when it comes to taking money out of qualified tax-deferred retirement accounts, such as regular IRAs and 401(k) plans, is this: Postpone withdrawing from them as long as you can. In other words, if you have other sources of retirement income or investment principal you can use, you should almost always use that first.
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  • Do Annuities Have A Place In Your Retirement Plan?

    by Doug Carey | Jun 24, 2019
    There's legislation wending its way through congress that could have a big effect on savers and retirees. One of the changes proposed is to make it easier for annuities to be part of an employer's retirement plan options (its 401(k) plan, usually).
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