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How Markets Perform Before, During, and After a Presidential Election

As we roll into the 2020 presidential election, you may be anxious about the market and the state of our economy. It doesn't help that each election year, both parties state their cases for why their opponent's party wouldn’t be good for the economy and the broader...

What You May Not Know About The S&P 500

The S&P 500 is a market-capitalization (market cap) weighted index made up of 505 companies. To get a better feel of the index composition, having a general understanding of how to calculate a company's market cap is helpful. To calculate a company's market cap,...

Why Playing Time Matters

Around this time each year, my wife and I watch HBO’s Hard Knocks. It’s a reality sports series that follows an NFL team through training camp as they prepare for the upcoming season. One of the reoccurring storylines of the show and my wife’s favorite part are the...

Does it Make ‘Cents’ to Refinance Your Mortgage?

As mortgage rates continue to hit record lows, many people are refinancing their mortgages. Before you think I’m going to provide a definitive answer to refinancing, spoiler alert, I’m not, and there isn’t one. Every situation is unique and driven by more than...

How to Use The Mega Backdoor Roth Strategy

The Mega Backdoor Roth is a common planning strategy for high income earners looking to allocate money to Roth accounts. In most cases, their income exceeds the contribution threshold, which disqualifies them from making Roth IRA contributions. High-income earners can...

3 Reasons to Consider a Roth Conversion

Since marginal tax rates are at a historical low, Roth conversions are all the hype right now. Many investors are doing their research to decide if they should jump on the conversion train. If you're in this group or are just learning about the strategy, here are...

The Trojan Horse of IRAs – The Backdoor Roth

In RCs and I Ain’t Talking Cars, I explained what a Roth conversion is, how to complete the process, and why you may want to consider it. But I didn't talk about the backdoor Roth. While it's technically a Roth conversion, the execution is slightly different. If...