Certified Financial Fiduciary and Author

Author Archives: Robert Ryerson

Be Sure to Have These 6 Items on Your Living Trust Checklist

One of the important aspects of estate planning is creating a will or a living trust. For the most part, living trusts are the preferable option as they become valid immediately upon your death. On the other hand, a will needs to go through a probate process during which it can be contested. Moreover, the… Continue Reading

What You Should Know about Digital Assets in the Estate Planning Process

In this increasingly online world, people do not look at their digital assets in the same way they do their physical assets. However, everything from domain names to social media accounts can be considered assets. As you undertake the process of estate planning, you should be sure to include your digital assets. Making a list… Continue Reading

Is a Trust Right for You?

Many people think of trusts as financial havens for the ultra-wealthy. However, this widespread perception is changing, as more people with moderate wealth reap the benefits of having a trust fund as part of their estate planning. If you want your survivors to receive the maximum benefits from your hard work and savings, it is… Continue Reading

Here Are 7 of the Most Common Mistakes Made When Estate Planning

Estate planning is incredibly important for ensuring that your wishes get carried out when you are no longer able to voice them. Unfortunately, the estate planning process can prove quite complicated, and people can make many costly mistakes if they are not careful. By learning about these common pitfalls and working closely with an experienced… Continue Reading

How to Keep Your Retirement Plan Simple and Manageable

Retirement planning can seem like one of the most complicated processes in life, but the truth is that you can and likely should simplify it. Of course, the calculations involved can be complex, but you should not leave any retirement planning meeting confused. If this is the case, you will likely struggle to implement the… Continue Reading

New Bill Aims to Close the Gender Gap in Retirement Savings

Discussions about retirement do not generally acknowledge the unique challenges confronting different populations. For example, women often face a much different picture than men when it comes to saving for retirement. A study from Annuity.com found that women not only are three times more likely than men to say that they are unable to save… Continue Reading

How to Approach Retirement Savings as a Self-Employed Individual

Many people fear running out of money during retirement. The key to saving enough is diversifying your investments and taking advantage of different opportunities. For people who are self-employed, the path to doing this may not seem straightforward since there are no employee-sponsored accounts to use. However, self-employed individuals have a wide range of options… Continue Reading

How to Decide Between Target-Date and Index Funds for Retirement

As you invest for retirement, you may find yourself overwhelmed with options and the terminology that goes along with them. This is especially true for the different types of funds you will encounter. If you are saving through a 401(k), you’ll likely have the option of index funds or target-date funds. If you don’t understand… Continue Reading

What You Need to Know about Investing in Retirement Target-Date Funds

As you invest for retirement, you have several different options. One option you should consider is a target-date fund. These products are mutual fund or exchange-traded funds that are structured to optimize asset growth along a pre-established timeline. When you invest in a target-date fund, you choose the date you plan to retire and the… Continue Reading

Should You Reinvest If Your Retirement Nest Egg Is Too Big?

If you have more money saved for retirement than you will need, you can reinvest some of it to maximize your legacy to your heirs Continue Reading