Rainstone Financial

Paying for College While Saving for Retirement

Joseph Regenstein IV, CMFC — Tue, 27 Jul 2010 13:00:11 +0000

Paying for College While Saving for Retirement is a post from: Rainstone Financial

Paying for College While Saving for Retirement is a post from: Rainstone Financial These two objectives are not mutually exclusive. It can be done. All across America, families are meeting a mighty financial challenge – the challenge of paying college costs with retirement potentially on the horizon. How do they do it? They go about [...]

Women Take a Larger Role in Family Finance

Joseph Regenstein IV, CMFC — Wed, 21 Jul 2010 13:00:22 +0000

Women Take a Larger Role in Family Finance is a post from: Rainstone Financial

Women Take a Larger Role in Family Finance is a post from: Rainstone Financial Financial advisers are noticing a shift. A development few have noticed. The recession that started in 2007 quietly brought an economic shift to millions of American families – the woman of the house became the primary wage earner. In June 2010, [...]

Financial Reform Rolls Out

Joseph Regenstein IV, CMFC — Mon, 19 Jul 2010 13:00:17 +0000

Financial Reform Rolls Out is a post from: Rainstone Financial

Financial Reform Rolls Out is a post from: Rainstone Financial Much is hazy about the Dodd-Frank bill, even though it has passed. Will the goals of the reform bill really be met? On July 15, the Dodd-Frank Wall Street Reform and Consumer Protection Act passed 60-39 in the Senate. Next week, President Obama is expected [...]

The Advantages of HSAs

Joseph Regenstein IV, CMFC — Wed, 14 Jul 2010 13:00:19 +0000

The Advantages of HSAs is a post from: Rainstone Financial

The Advantages of HSAs is a post from: Rainstone Financial Health Savings Accounts offer you tax breaks and more. Why do people open up Health Savings Accounts in tandem with high-deductible insurance plans? Well, here are some of the compelling reasons why younger, healthier employees decide to have HSAs. #1: Tax-deductible contributions. These accounts are [...]

Should You Downsize for Retirement?

Joseph Regenstein IV, CMFC — Mon, 12 Jul 2010 13:00:31 +0000

Should You Downsize for Retirement? is a post from: Rainstone Financial

Should You Downsize for Retirement? is a post from: Rainstone Financial It may be better to sell that big home rather than keep it. You want to retire, and you own a large home that is nearly or fully paid off. The kids are gone, but the upkeep costs haven’t fallen. Should you retire and [...]

The Right Beneficiary

jregenstein — Fri, 09 Jul 2010 13:00:10 +0000

The Right Beneficiary is a post from: Rainstone Financial

The Right Beneficiary is a post from: Rainstone Financial Who have you chosen to inherit your assets? It may be wise to review your choices. Here’s a simple financial question: who is the beneficiary of your IRA? How about your 401(k), life insurance policy, or annuity? You may be able to answer such a question [...]

Financial Reform: The Table is Set

Joseph Regenstein IV, CMFC — Wed, 07 Jul 2010 13:00:44 +0000

Financial Reform: The Table is Set is a post from: Rainstone Financial

Financial Reform: The Table is Set is a post from: Rainstone Financial Congress agrees on a bill. How would it change the financial landscape? President Obama will likely sign a bill into law ordering changes in the ways banks, credit card issuers and mortgage lenders interface with consumers. One could successfully argue these won’t stave [...]

Finding a Tax Preparer

Joseph Regenstein IV, CMFC — Mon, 05 Jul 2010 13:00:03 +0000

Finding a Tax Preparer is a post from: Rainstone Financial

Finding a Tax Preparer is a post from: Rainstone Financial When should you hire one? What should you look for? Is doing your own taxes getting to be more and more of a challenge? Are you thinking of hiring someone to do it for you? Are you wondering if that will be worth the cost? [...]

How Long Term Care Insurance (LTCi) Can Help Protect Your Assets

Joseph Regenstein IV, CMFC — Fri, 02 Jul 2010 13:00:01 +0000

How Long Term Care Insurance (LTCi) Can Help Protect Your Assets is a post from: Rainstone Financial

How Long Term Care Insurance (LTCi) Can Help Protect Your Assets is a post from: Rainstone Financial Create a pool of healthcare dollars that will grow in any market. How will you pay for long term care? The sad fact is that most people don’t know the answer to that question. But a solution is [...]

Why Four Percent?

Joseph Regenstein IV, CMFC — Wed, 30 Jun 2010 13:00:11 +0000

Why Four Percent? is a post from: Rainstone Financial

Why Four Percent? is a post from: Rainstone Financial Why are retirement plans often created assuming a 4% withdrawal rate? When retirement planners try to estimate just how much money a couple or individual should take out of their savings annually, their model scenarios often assume a 4% annual withdrawal rate. Why is 4% used [...]