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Thursday, December 5, 2019

If you follow financial media at all, it is likely that you have seen news about Schwab buying TD Ameritrade. As a reminder, in our role as an independent Registered Investment Advisor, we choose who we want to custody assets with....

 

Tuesday, October 8, 2019

Recently, the Treasury and IRS issued new rules to make it easier for employees to access their 401(k) funds in cases of financial hardship. The positive: The new rules could encourage participants to increase their contributions...

 

Wednesday, October 2, 2019

Creating an effective distribution strategy for when one retires is often overlooked, but it's one of the most important factors in having a stress-free retirement. An effective distribution strategy plan addresses the timing of social...

 

Wednesday, September 25, 2019

Advisors may have a blind spot when it comes to the distribution phase of their client’s financial lives. Ideally, retirement planning should begin in your 20s, but it doesn’t end when one retires. The decisions you make as you....

 

Tuesday, August 27, 2019

Even though your child is just in high school, he or she may still have to deal with certain financial challenges. Whether this involves saving for an important purchase like a car or learning how to use a credit card responsibly, it's...

 

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Tuesday, August 27, 2019

The FAFSA, which stands for Free Application for Federal Student Aid, is the federal government's financial aid application. The FAFSA is a prerequisite for federal student loans, grants, and work-study. In addition, colleges typically...

 

Tuesday, August 27, 2019

You vaguely remember signing a form every year at college registration time. Now that you've graduated, it's all become painfully clear — those forms were promissory notes detailing your student loan...

 

Tuesday, August 27, 2019

As the cost of a college education continues to climb, many grandparents are stepping in to help. This trend is expected to accelerate as baby boomers, many of whom went to college, become grandparents and start gifting what's...

 

Tuesday, August 27, 2019

With so many 529 savings plans to choose from, it's important to ask a lot of questions in order to select the best plan for you. Compare the plans offered by different states If you're interested in opening a 529 savings plan account,...

 

Friday, August 9, 2019

I’ve been fortunate enough to celebrate my 33rd year in this business, and I am prompted to write about one of the biggest fallacies and frustrations that I have in regard to consistently assisting clients and prospects in...

 

Monday, July 8, 2019

A prominent wealth management team recently conducted a study of the biggest post-retirement challenges retirees face today. According to retirees =these are five of the biggest post retirement challenges: Longevity Volatility...

 

Thursday, July 4, 2019

To our loyal clients, Happy Independence Day! It may prove difficult to beat the concepts of life, liberty and the pursuit of happiness that are gratefully available to us as citizens of democracy in the USA. We would like to take a...

 

Wednesday, May 29, 2019

On Thursday, May 23rd, the House of Representatives passed the Setting Every Community Up for Retirement Enhancement (SECURE) Act, a bill backed by both Republicans and Democrats with an aim to improve areas of our current retirement...

 

Monday, May 13, 2019

For the last two weeks, with an emphasis on today, the Dow Jones has had over a 700 point loss, the concept of RZ Wealth’s Defined Outcome StrategiesSM brings particular meaning and clarity to why our clients have chosen us to...

 

Friday, March 1, 2019

Background: The basics of diversification are commonly known to financial planners and to most every investor. Stemming from the Harry Markowitz paper "Portfolio Selection," which appeared in the 1952 Journal of Finance and brought to...

 

Thursday, January 10, 2019

Medicare premiums, deductibles, and coinsurance amounts change annually. Here's a look at some of the costs that will apply in 2019 if you're enrolled in Original Medicare (Part A and Part B).

 

Friday, January 4, 2019

The recent correction was preceded by the longest bull market in history, so it could be viewed as an overdue repricing of stocks, as well as a reality check brought on by waning growth expectations...

 

Tuesday, December 4, 2018

Planning for retirement can be exciting, but sometimes it can also be confusing, especially when it comes to Social Security. This Q&A is designed to help answer your questions. If you want to learn more, go to the Social Security...

 

Friday, November 23, 2018

Investment returns are not linear. Instead, they rise and fall like a roller coaster. If participating in the stock market was a steady ride, with returns being “notched” in a linear and progressive manner, there would be no need for...

 

Wednesday, November 14, 2018

Deciding what to do with previous retirement plans is one of the more common financial issues the average person has to deal with. Whether it's a 401(k), 403 (b), profit-sharing plan, cash-balance pension or deferred compensation, many...

 

Monday, November 12, 2018

In a sudden reversal of fortunes, the market has seen dramatic numerical losses in the last few sessions. Although, we all know, intellectually, that at some point, “what goes up, must come down”, emotionally, there always seems to be...

 

Monday, November 5, 2018

As a follow up to the first and second piece I wrote on Buyer Beware, I wanted to continue to draw attention to certain “offers” that are being sent to the owners of annuity products that we had used over a span of years...

 

Monday, November 5, 2018

8 must know pros and cons of retirement plans vs rollover IRA's. Many plans allow distributions on plans at “age of separation” but no earlier than age 55. A number of plans may accommodate regularly scheduled installments while others...

 

Thursday, November 1, 2018

One of the more common questions or occurrences we hear in meeting with clients is how previous retirement plan [401(k), 403 (b), profit-sharing, cash-balance pensions, deferred compensation, etc.] balances have been dealt with. For...

 

Monday, October 22, 2018

Market volatility has returned and in a big way. Aside from the longest bull market on record, which, in and of itself may be a reason for caution, there are major headwinds to consider relative to international politics and trade policy...

 

Thursday, October 11, 2018

The awareness that the stock market doesn’t only rise and that a growing portfolio doesn’t denote genius is when having a skilled professional matters. There really is a difference between luck and expertise...

 

Tuesday, October 2, 2018

Congratulations to our talented team of financial advisors featured in Philadelphia Style magazine’s October Issue. Highlighting the “Modern Man of Philadelphia”, our President, Irv Rosenzweig is profiled along with...

 

Tuesday, October 2, 2018

RZ Wealth’s President, Irvin Rosenzweig, a Barron’s Top 1000 Financial Advisor with CFP®, ChFC®, CLU®, CRPS®, AEP® and AIF® designations and Bitwise Investments Vice President of Research &...

 

Thursday, May 3, 2018

As a follow up to the first piece I wrote on Buyer Beware, I wanted to continue to draw attention to certain “offers” that are being sent to the buyers of annuity products that we had used over a span of years from 2001 to...

 

Wednesday, April 18, 2018

Don’t you wish that investment products had the yellow alert stickers that many consumer products visibly display? Certainly, as trends pop up in the market there is a need for caution. In this regard, I would like to discuss...

 

Thursday, February 8, 2018

Here is something from Nasdaq.com you might find interesting TradeTalks: Five Tips for Getting Started with ETFs Over the past decade, there have been significant changes in the types of financial products, the amount of information...

 

Monday, November 20, 2017

This week our thoughts turn to the holidays, our families and our blessings. I thank you for your business and wish you and your loved ones health and happiness in this holiday season 2017 has been a year of transition for RZ Wealth...

 

Monday, September 25, 2017

Welcome to the sandwich generation, those who are effectively “sandwiched” between the financial obligation to care for their aging parents and the college education costs for their children. While there may be a number of...

 

Wednesday, August 16, 2017

For many, welcome to the sandwich generation, those that are effectively “sandwiched” between the obligation to care for their aging parents – who may be ill, unable to perform various tasks or in need of financial...

 

Friday, March 10, 2017

A few weeks ago I attended an industry conference in Hollywood, Florida known as Inside ETF's, (Exchange-traded funds). This was the 10th annual anniversary of this conference and I have participated in nearly all of them. The growth...

 

Tuesday, August 23, 2016

BREXIT is now a fierce reality which may produce months, if not years, of market volatility until the uncertainty of the effects of the U.K.’s exit from the European Union materialize. This event was proceeded by 2 of the...

 

Tuesday, January 19, 2016

So you didn't win the PowerBall and become a member of the billionaire's club. Well, despite the fantasy, the reality is the slim odds of winning. However, to deal with that disappointment no matter how slight the odds and....

 

Saturday, September 12, 2015

"It's not how much money you make, it's how much money you keep." Words to live by? Probably! This month's article is less focused on particular taxes and more suited to incorporating tax-efficient strategies in your overall investment...

 

Tuesday, September 8, 2015

For this third edition in the series of articles, entitled "The Tax Man Cometh", I have focused on the importance of making proper choices and considering various strategies as you approach the mandatory retirement distribution age of...

 

Friday, May 22, 2015

Welcome to our second in a series "The Tax Man Cometh". Obviously taxes are a fact of life in living in modern society. We are certain about following the rules and contributing our fair share but intelligence dictates understanding...

 

Tuesday, March 10, 2015

Are You Ready for Tax Season? Slightly more tolerable than the Grim Reaper but nearly as menacing, the end of the holiday season begins the countdown to tax preparation and filing. Every year seems to add another layer of complexity to...