Herb White – Financial Options

Tax Planning for Annuities

By Herb White, CFP, AIF, CLU, MBA, Ch ~ Favorable tax treatment is one of the main reasons for buying an annuity. But what exactly are the tax benefits? And are there any drawbacks? It’s important to know the answers to these questions before deciding whether to purchase an annuity.

Retirement Planning: The Basics

By Herb White, CFP, MBA ~ You may have a very idealistic vision of retirement — doing all of the things that you never seem to have time to do now. But how do you pursue that vision? Social Security may be around when you retire, but the benefit that you get from Uncle Sam […]

Estimate your retirement income needs

By Herb White, CFP, AIF, MBA ~ You know how important it is to plan for your retirement, but where do you begin? One of your first steps should be to estimate how much income you’ll need to fund your retirement. That’s not as easy as it sounds, because retirement planning is not an exact science. […]

Tax Planning for Annuities

By Herb White, CFP, MBA ~ Favorable tax treatment is one of the main reasons for buying an annuity. But what exactly are the tax benefits? And are there any drawbacks? It’s important to know the answers to these questions before deciding whether to purchase an annuity. Of course, any information pertaining to taxes is […]

Thinking Global? Think ADRs

~ By Herb White, CFP, MBA ~ There’s a whole big world of investing opportunities out there, yet many investors have shied away from international markets, concerned about the costs, complexity and potential risks. You may be able to minimize risks and gain a convenient avenue to deal in foreign markets is with American Depositary […]

Market Bubble? Reminders for Investors

~ By Herb White, MBA, CFP ~ In the world of investments, people who understand the nature of bubbles and busts and heed the warning signs ultimately fare better than those who throw caution to the wind, preferring to trust what is ultimately just luck. One of the truisms about the markets is that every […]

Test Your Investor IQ

~ By Herb White, MBA, CFP ~ If you are an investor, or are considering investing in the markets, start with this test. T or F Stocks are more likely to provide higher rates of return than bonds or money market investments. TRUE Today as always, stocks are the first and foremost avenue to greater […]

Understanding Risk

~ By Herb White, CFP, MBA ~ Few terms in personal finance are as important, or used as frequently, as “risk.” Nevertheless, few terms are as imprecisely defined. Generally, when financial advisors or the media talk about investment risk, their focus is on the historical price volatility of the asset or investment under discussion.

Six Keys to More Successful Investing

~ By Herb White, CFP, MBA ~ A successful investor maximizes gain and minimizes loss. Though there can be no guarantee that any investment strategy will be successful and all investing involves risk, including the possible loss of principal, here are six basic principles that may help you invest more successfully.

Life Insurance and Financial Planning – How Do They Tie In?

~ By Herb White, MBA, CFP ~ When it comes to finances, many people believe that financial planning and life insurance are as unrelated as night and day. Their thinking is that financial planning is concerned with investments, taxes, retirement and estates, while life insurance is only for providing a “death benefit.” Yet, life insurance […]

Take Emotions Out of Your Investment Decisions

~ By Herb White, MBA, CFP ~ Investing in the markets, like many other important decisions you make, requires you to take action based both on research and on dispassionate common sense rather than on your emotions. Common sense decisions come from thinking through the potential long-term consequences before acting. Your emotions, including fear, excitement […]

Retirement and You: Answers to Your Top Financial Concerns

~ By Herb White, MBA, CFP ~ The word retirement likely brings up all sorts of questions related to your finances. For example, what is an RMD? Simply put, if you have taxable accounts, such as a traditional IRA, a 401(k), 403(b), or 457 plan, you will have to start taking annual Required Minimum Distributions […]

Resources for Spending and Saving in 2017

~ By Herb White, MBA, CFP ~ Saving money is always a bit challenging, especially when it seems prices have risen every time you set foot out the door. If you are saving for retirement, it may be particularly frustrating to see your dollars being eaten up by rising expenses. What can you do?

Market Bubble? Reminders for Investors

~ By Herb White, MBA, CFP ~ In the world of investments, people who understand the nature of bubbles and busts and heed the warning signs ultimately fare better than those who throw caution to the wind, preferring to trust what is ultimately just luck. One of the truisms about the markets is that every […]

A New Year, Time for a Change?

~ By Herb White, MBA, CFP ~ There’s always a lot to do when the new year rolls around making resolutions is usually high on the list. It’s also a time when investors reassess their portfolios and look at other investing options that potentially will provide them good returns in the markets. Many believe the […]