When planning for retirement, it helps to know all your options and weigh them carefully. You’ll also need to decide when you want to retire. Early retirement might be an option for you, depending on your financial situation. You might prefer to stay busy by working until a later age instead, however. It helps to know the benefits and drawbacks …

A diversified retirement fund protects you against the ups and downs of the market and balances a mix of pre-tax and post-tax funding dollars that will help you today and in the future when you need the retirement income. Many options are available for your consideration, all with unique features and pros and cons. Indexed Universal Life combines an investment …

There are many reasons to pick up and move to Hawaii. Perhaps your job is requiring you to relocate, or you’ve recently retired and want to enjoy the beach-loving lifestyle, or maybe it’s just always been a dream of yours to live in this tropical paradise. Regardless of your reason, here are some tips to help make the transition a …

After coming to work, day in and day out, your co-worker is finally able to retire and spend the rest of their days doing whatever they please. It’s a special time in their life, much like buying your first home, getting married, or having a baby. Retirement signals the next chapter in life and should be celebrated. You want to …

While exchange-traded funds (ETFs) and index funds are very similar, there are a few notable differences that can help you decide which will work best for you. Index funds are a type of mutual fund that tracks an index, such as the S&P 500. When the index is up, your index fund is up, and vice versa. An ETF can …

While investing and trading involve buying and selling stocks and other financial instruments, their methodology varies greatly. Investors are looking for a larger return over a longer time frame. Investments are purchased and held for several years, and the investor rides out short-term highs and lows. Traders seek to time the market, entering and exiting the market frequently over a …

Saving for retirement requires balancing risks against potential rewards in investments. How investment income is taxed is another critical consideration. Individuals can pay taxes now by investing after their income is taxed and watch their money grow tax-free; a Roth IRA is one way to do this. Another option is to save money on a pre-tax basis and pay the …

Although eating healthy food and watching your calorie intake usually leads to a better life, having some dessert from time to time can certainly do wonders for your mood. The residents of Hawaii certainly think so and malasadas are huge local favorites. What Are Malasadas? Malasadas are a type of fried doughnut made of small balls of yeast dough and …

A fiduciary is morally and legally required to act in the best interest of their client, putting the needs of the client above their own. There is a moral obligation and a legal one, requiring the fiduciary to act with good faith and the utmost trust to act exclusively in the client’s best interests. There are many examples of a …

A fiduciary is an individual or organization that has an ethical or legal trust relationship with another person or group, putting the client’s interest ahead of their own. An ethical and legal obligation exists in which the fiduciary must act with trust and good faith to secure the client’s best interests. There are many ways to have a fiduciary relationship …