Blog Archives


5 Retirement Challenges That No One Warns You About

By Byron Ellis January 15, 2019

“Retirement is wonderful if you have two essentials – much to live on and much to live for.” – Unknown Quick…when I say “Retirement,” what pops into your head? Stress-free. Relaxing. Freedom. Sounds pretty great! But is that what retirement is really like? Yes…and no. You’ve spent most of your career preparing for retirement by taking care of the finances. Historically that’s what people like me have tried to help you with: getting your financial house in order, so that when the last day of…
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Cleaning Up Your Finances in the New Year

By Byron Ellis January 8, 2019

“The beginning is always today.” – Mary Wollstonecraft Shelley As we approach the New Year, many of us take some time to set resolutions. I like to call them goals, but frankly any time we can think about growth I think it is a good thing! Why not take the time to do a check up on your finances? Here are some great places to get started.   Check Your Credit Report   When it comes to cleaning up your finances in the new year,…
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The 90 Day Millionaire: 5 Things You Must Do to Reach Millionaire Status

By Byron Ellis December 20, 2018

“The single best piece of advice: constantly think about how you could be doing things better and questioning yourself.” – Elon Musk A few years back my wife and I visited a nutritionist. We were both working out, eating healthy, doing all the things the doctors told us to do—but we also knew we could do more. We wanted our health to be better than just ‘good.’ That’s what we told the nutritionist when we sat down in his office on a sunny afternoon in…
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The Backdoor Roth: How to Invest $36,500 Per Year into a Roth IRA, No Matter What Your Income Is

By Byron Ellis December 13, 2018

“We often get in quicker by the back door than by the front.” – Napoleon Bonaparte I read the report again, just to make sure I wasn’t going crazy. I rubbed my eyes and looked out my office window; it was a cloudy day, people were passing by on the street, a few birds were fighting over a spot on a telephone wire. Perfectly normal. I couldn’t believe it. But when I read the report a third time, I couldn’t keep from smiling ear to…
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You May Not Be Maxing Your 401(k) Like You Think You Are

By Byron Ellis December 4, 2018

“In the long run, it’s not just how much money you make that will determine your future prosperity. It’s how much of that money you put to work by saving it and investing it.” – Peter Lynch Think you’re maxing out your 401(k) contribution? I ask this question to almost everyone that comes into our office for financial guidance. Inevitably, they all proudly answer “Yes!” Chances are, you’re probably thinking the same thing. But guess what? Chances are, you’re not actually maxing out your 401(k).…
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