WealthTrace Financial Planning & Retirement Planning Blog


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  • Beware Of High Dividend Yield Stocks

    by Doug Carey | Feb 04, 2019
    Since bond yields fell by more than half during the 2008/2009 financial meltdown and recession, many people in retirement sold their bond holdings and bought stocks with relatively high dividend yields, hoping to make up for the lost bond interest. But as a lot of investors have found out, dividends are not the same as bond interest, especially if we’re talking about treasury bonds.
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  • How Volatility Impacts Your Retirement Portfolio (And What To Do About It)

    by Doug Carey | Jan 18, 2019
    Volatility is back and it can really change your retirement situation. You've probably heard of Monte Carlo simulations. Some people don't like Monte Carlo because it mostly relies on the past just as so many other tools we use to forecast the future. We understand that concern, but we still like it as one of the tools in the toolbox.
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  • A Look At Historical Stock Returns And What It Means For Investing

    by Doug Carey | Jan 08, 2019
    For those in retirement or very close to it, a 15% decline in the stock market over just a few short months can be gut-wrenching. This is of course why so many of us in the personal finance industry beat the drum of diversification so often. But what about people who have 20 to 30 years until they will need the funds from their retirement accounts? Should they really worry too much about month to month and even year to year gyrations in the stock market?
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  • A Real Life Case Study In Retiring Very Early

    by Doug Carey | Dec 31, 2018
    This is a family of five in North Carolina. The couple are in their late thirties and have effectively stopped working full time--and plan to keep it that way. They earn income from their web site and a few other sources, but it’s nothing like the 9-to-5 office-job money they used to make. In typical FIRE fashion, they worked hard at high-paying jobs for a short period of time (about 10 years), saving a huge portion of their income, and then . . . stopped. And started blogging about it and attracting media attention.
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  • Smart Asset Location Can Save You A Lot Of Money

    by Doug Carey | Dec 05, 2018
    The concept of choosing where to put your money is not new. But with today’s do-it-yourself technology tools, it has become easier to calculate just how much you can save by implementing a better asset location strategy.
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