The Myth of the Income Portfolio

We're sometimes asked by potential clients, looking to generate income in retirement, if we will construct for them an "income portfolio," enabling them to live off the dividends and interest without dipping into principal.

The ABCs of Education Investing

With school back in session in most of the country, many parents are likely thinking about how best to prepare for their children’s future college expenses. Now is a good time to sharpen your pencil for a few important lessons before heading back into the investing classroom to tackle the issue.

What it Means to be a Fiduciary

Financial Synergies Wealth Advisors is an independent Registered Investment Advisor (RIA). More importantly, we are a Fiduciary - legally and ethically bound to act in the best interests of our clients. Most financial advisors are not fiduciaries.

The Real Impact of Inflation

When the prices of goods and services increase over time, consumers can buy fewer of them with every dollar they have saved. This erosion of the real purchasing power of wealth is called inflation. Inflation is an important element of investing.

Social Security Part 6: When to File and Remaining Strategies

Over the last several months, we’ve covered the ins and outs of Social Security. In this final post for our blog series we’re discussing the decision on when to file for benefits.

Money Market Funds Attractive Again

For the better part of a decade, money market funds have simply not been attractive to investors at all. These cash funds maintain a $1/share price and provide daily liquidity. Historically, investors have used them as a reserve for living expenses, emergency funds, short-term needs, etc.

Social Security Part 5: How Your Benefits May Be Reduced

Up to this point in our Social Security blog series, we have covered the core components of Social Security, including eligibility, different benefits that are available, and how benefits are taxed.

Q1 2018 Newsletter

We hope you enjoy the 1st Quarter 2018 Newsletter. We've included articles on the markets, economy, and financial planning. Also, join us in welcoming Lottie Hensley to the Financial Synergies Team!

Social Security Part 4: Taxation of Benefits

Thus far in our Social Security blog series, we have covered the basics of how retirement benefits are calculated and how individuals become eligible for Social Security. We have also discussed benefits available for spouses, surviving spouses, and family members.

Social Security Part 3: Benefits for Family Members and Survivors

Our last post discussed the Social Security benefits available to spouses. Today’s post will focus on what happens when an individual receiving Social Security passes away, and the benefits surviving spouses and other family members may receive.

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