How Deferred Retirement Option Plans Work

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 …

IUL vs. Roth IRA

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 as well as pros and cons. Indexed Universal Life combines …

Should I Move to Hawaii?

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 …

Retirement Gift Ideas For Men & Women

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 …

Index Funds vs ETF: How To Choose What Is Best For you

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 …

Investing vs. Trading: Know the Difference

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 …

Roth IRA vs 403(b): What Is The Difference Between The Two?

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 …

Discover the Best Malasadas in Hawaii

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 …

What Is a Fiduciary?

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 …