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All Social Security Numbers Have Been Compromised
Stunningly, news broke this week that the Social Security number for virtually every American was hacked. The hack was discovered when...
Steve Coker, CFP
Aug 16, 20243 min read
Family Conversations: Beyond the Will and Trust
Having a will and trust in place is an important step to protect your family and make sure that your assets are distributed according to...
Steve Coker, CFP
Jul 12, 20242 min read
Inflation Update
We have said for many months now that inflation is the most important economic factor to watch in 2024. This week we had good news on the...
Steve Coker, CFP
Jun 28, 20241 min read
The Importance of Process
As you might imagine, we at Cedarstone Advisors spend a great deal of time researching and discussing how to make good investment...
Steve Coker, CFP
Jun 14, 20242 min read
How Long am I Going to Live?
We simply do not know how long we are going to live. That is one of the difficulties of retirement planning. According to the CDC, a...
Steve Coker, CFP
May 17, 20241 min read
Am I saving enough for retirement?
We all want to know whether we are saving enough for retirement, but we also want to know if we are doing a good job compared to our...
Steve Coker, CFP
May 10, 20242 min read
Rebalancing: Self-Discipline in Buying Low and Selling High
One of the often-quoted tenets of good investing is to buy low and sell high. Similar to commercial spending – you want to purchase...
Steve Coker, CFP
Mar 15, 20242 min read
Inheriting an IRA? 4 key rules you should know
If you have been named as the beneficiary of an IRA then you should know that inheriting an IRA is different from inheriting other...
Steve Coker, CFP
Feb 25, 20243 min read
Tax Tips: The IRA
It is tax time and many of us will be heading to our local CPA or wrestling with Turbo Tax to complete our tax returns before the April...
Steve Coker, CFP
Feb 18, 20243 min read
Updated Retirement Plan Contribution Limits 2024
The IRS has published the 2024 contribution limits for your 401k, IRA, and other retirement plans. Now is a great time to review your...
Steve Coker, CFP
Jan 21, 20241 min read
Understanding RMD’s
Required Minimum Distributions or “RMD’s” are the minimum amount that must be withdrawn from pre-tax, tax-deferred retirement accounts,...
Steve Coker, CFP
Nov 10, 20234 min read
The Second Half of Your Life
I had several conversations this week about the stress of retirement, both in terms of the financial stress of retirement – will there be...
Steve Coker, CFP
Oct 20, 20233 min read
Life Insurance Basics
There is a saying that ‘life insurance is sold, not bought’. Compare, for example, shopping for life insurance with shopping for a car....
Steve Coker, CFP
Oct 14, 20234 min read
Strategic Roth Conversions: Maximizing Retirement Savings While Minimizing Taxes
Roth conversions are an often-overlooked strategy for reducing taxes and optimizing retirement funds. This article aims to demystify Roth...
Steve Coker, CFP
Sep 29, 20233 min read
Downsizing your house in retirement
Downsizing your house in retirement can make a lot of sense, especially when you are looking for ways to make your retirement dollars go...
Steve Coker, CFP
Sep 15, 20234 min read
How working impacts Social Security
If you are retired and considering going back to work, even part-time, your Social Security Retirement benefits may be affected. Here are...
Steve Coker, CFP
Sep 8, 20232 min read
Inheriting an IRA? 4 key rules you should know
If you have been named as the beneficiary of an IRA, then you should know that inheriting an IRA is different from inheriting other...
Steve Coker, CFP
Aug 25, 20233 min read
Don’t Save 10% of Your Income, Save 50% of Your Raise
I am often asked by those starting out in their careers, “How much should I save?” It is a great question of course, and one that we...
Steve Coker, CFP
Jul 28, 20232 min read
Navigating the Storm: An Introduction to Umbrella Insurance
Let's set sail into the uncharted waters of a lesser known but highly valuable aspect of personal finance: umbrella insurance. We all...
Carole Meitler
Jul 9, 20233 min read
2023 IRA and 401k Contribution Limits
Retirement savings through Individual Retirement Accounts (IRAs) and employer-sponsored 401(k) plans are vital components of a sound...
Walter Cifuentes
Jun 2, 20232 min read
