How Do I Choose The Right Advisor?

Last year, we posted a blog that talked about a Broker vs. Fiduciary (fee only independent advisor). There was a video that we posted along with it that explains these differences by comparing them to a Butcher vs. Dietician. The more we had this conversation with our clients and prospective clients, the more we realized.. read more →

What You Need to Know About Divorced Spousal Benefits!

Surprisingly divorced spouses have more flexibility than married spouses in determining when and how to begin taking Social Security. In order to qualify for a divorced spousal benefit – equal to half of your ex-spouse’s full retirement amount – one must meet the following basic requirements: (1) your marriage must have lasted longer than 10.. read more →

Retirement Withdrawal Strategies – Is the 4% rule of thumb still appropriate for you?

Many personal finance websites, calculators, and newsletters have long advocated that most retirees would be able to take 4% from their savings in their first year of retirement and then increase that withdrawal amount in accordance with inflation every year for at least the next 30 years.  While even the creators of this rule of.. read more →

Bob’s Adventures in Africa!

Words cannot express the feeling in my heart after experiencing the sounds, smells, generosity, and pure joy of Africa and its people. By definition, a life changing experience. By Grace, a new view on life’s priorities! I will no longer complain about a cold shower, or the idea of deserving 3 squares a day. I.. read more →

Can You Have the Retirement You Want?

For many Americans, the answer to the question above remains as intimidating as it is elusive. While the question itself is simple, the answer remains complex, ever-changing, and the cause of much fear and anxiety for those nearing retirement age. So why is this question so fear inducing and difficult to gauge? And more importantly,.. read more →

Maximize your 401K with All Star’s Qualified Plan Advisory Program

For the majority of people, almost 60% of the assets they will use to fund their retirement come from their group retirement plans.  Our client’s situations are very similar, so in addition to investing your non-qualified assets at All Star Financial we believe you need to make these assets as efficient as possible. As a.. read more →

Preparing for Tax Season

As you are gathering information for your 2012 tax return remember that we don’t need all of your information to get a good start on your return. If you are waiting for just a few items, please send in your information now – the earlier the better. We can add the missing pieces later. Not.. read more →

The Fiscal Cliff Deal – (or Half Deal)

Non-stop fiscal cliff negotiations (and media coverage) at year-end finally resulted in a last minute fiscal package by Congress that adds some certainty for investors on tax rates in the coming year.  Spending issues were not addressed, but instead postponed 60 days. We can look forward to another round of Congressional wrangling on spending cuts,.. read more →

Fiscal Cliff, Slope, or Obstacle Course?

The financial media is filled with year-end dire warnings of catastrophic consequences of the U.S. economy falling over the “fiscal cliff”. Could this really happen? It could, but probably not. We and most market watchers are hopeful for a last minute compromise with more details to come in 2013. Is the fiscal cliff real? Yes-.. read more →

Social Security- Interesting Facts & Numbers

Social Security continues to be scrutinized as 10,000 baby boomers retiring daily become increasingly reliant upon the “Social Insurance” program as their primary source of income.  Furthermore as the long-term sustainability of the program remains a popular topic of public debate we wanted to shed some light on fifteen interesting statistics about Social Security as.. read more →