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Financial Planning Blog2019-01-16T10:42:25-07:00

The HeartStone Blog

That First RMD from Your IRA

By |October 2nd, 2019|Categories: Financial Planning|

That First RMD from Your IRA When you reach age 70 1/2, the Internal Revenue Service instructs you to start making withdrawals from your traditional IRA(s), 401(k)s and other certain retirement accounts. These withdrawals are also called Required Minimum Distributions (RMDs). You will make them, annually, from now on. If [...]

Are Women Saving and Investing Enough?

By |September 18th, 2019|Categories: Financial Planning|

Are women saving and investing enough today? How about you? Do you feel financially prepared for the future? Taking control of your financial future is so important, and it starts with saving and investing actively. Here are some of the reasons this is crucial. The earnings gap. Men tend to [...]

Global vs. International: What’s the Difference?

By |September 4th, 2019|Categories: Financial Planning|

Global vs. International: What's the Difference? For investors who are looking to diversify their portfolio with exposure to companies located outside the U.S., there exist two basic choices: a global mutual fund or an international mutual fund. By definition, international funds invest in non-U.S. markets, while global funds may invest [...]

Your Diversified Portfolio vs. the S&P 500

By |August 15th, 2019|Categories: Financial Planning|

Your Diversified Portfolio vs. the S&P 500 “Why is my portfolio under performing the market?” This question may be on your mind. It is a question that investors sometimes ask after stocks shatter records or return exceptionally well in a quarter. The short answer is that even when Wall Street [...]

A Bucket Plan to Go with Your Bucket List

By |August 8th, 2019|Categories: Financial Planning|

A Bucket Plan to Go with Your Bucket List The baby boomers redefined everything they touched, from music to marriage to parenting and even what “old” means – 60 is the new 50! Longer, healthier living, however, can put greater stress on the sustainability of retirement assets. There is no [...]