Retirement Accounts 401K/IRA/403b etc...

Many Americans have taken great steps to diligently save for retirement and the most typical savings vehicles are 401K or IRA accounts.  However, statistics prove that the average American worker will have more than 5 jobs in their working lifetime.  With all of the changes in employment throughout our country, 401K asset management has proven to be a huge problem for most people and in many cases costing them hundreds if not thousands of dollars each year in lost earning potential. 

The other giant issue with 401K and IRA retirement accounts is the fact that people do not proactively plan for the tax implications when it is time to begin withdrawing those funds.  As the Baby Boom Generation rolls into retirement, literally millions of people are going to be blindsided by increased taxes and have to burn through more savings each year just to keep pace with their lifestyle. 

It is critical that 401K and IRA accounts be reviewed by professionals who can assist you in thinking outside the box and ensure that you are funding YOUR retirement and NOT Uncle Sam's.

First Name:
Last Name:
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Estimated 401K Balance:
Estimated IRA Balance:
Estimated Total Retirement Savings Balance:

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Business Ownership 

The entrepreneurial spirit is alive and well in America! At Your Home Your Money, we celebrate business ownership as we believe it to to be a fundamental strength of the American economy. A main concern we have for business owners however, is the lack of focus they have on weaving the value of business ownership, home ownership, tax planning and financial planning into one cohesive strategy to insure long term success and profitability. As business owners ourselves, we are committed to serving the small business community with insight and long term thinking.

First Name:
Last Name:
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Type of Business :
Estimated Annual Business Revenue:
Estimated Total Retirement Savings Balance:

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Home Equity

When it comes to life in America, it can easily be said that owning our own home is one of our greatest desires and dreams. For many of us, our home not only houses our most important treasures - our families, pets, and memories, but it may also "house" one of our largest assets - our cash. This cash in your home is known as equity and is one of the biggest financial benefits of home ownership. A fundamental key to successful home ownership is the proper stewardship and protection of that home equity.

As we consider how many Americans buy and own real estate, it is troublesome to discover how many people simply don't understand the value of "Owning Real Estate the Right Way". Many people have grown up hearing their parents or grandparents saying something like this: "Work Hard in school, save up for a big down payment, pay off your mortgage as fast as you can, THEN start saving for retirement". While that advice does wax eloquent and sound like tried and true - salt of the earth insight, we must ask the question "is this right for me?".

Unless you are unusually blessed to have all the money you will ever need, then you will definitely need to pay close attention to your equity. You should also ensure that you are taking advantage of the tax deductibility of mortgage interest and mortgage insurance. If you own investment properties you should consult with your CPA or other Tax Professional to ensure you are benefiting from the allowable depreciation on those properties. Another great strategy is to engage the services of a Certified Mortgage Planner to ensure that your mortgage selection is working in harmony with your retirement plan.

First Name:
Last Name:
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Phone:
Estimated Home Value:
Estimated Outstanding Mortgage Balance:

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