There is a plethoria of information and financial planning aimed at helping people prepare for retirement.  In industry lingo, this is the accumulation stage.  Max your 401(k) contributions. Consider a Roth conversion. Use tax deferred investment vehicles. However, there is also important planning that needs to be done for the “distribution stage” of retirement, the period [...]

Mark was quote in the Chicago Tribune on an article about DRIPs (dividend reinvestment plan), “Money Down the Drain?” by Carolyn Bigda.  Previously a low cost way to own individual company stock by offering small investors an opportunity to buy company stock directly (instead of through a brokerage who would charge trading or account fees), DRIPs have been adding [...]

An article, The Balancing Act:  The Importance of Re-balancing your Portfolio, by a fellow NAPFA member – Jim Shagawat, helps explain why consistent rebalancing is so important to your financial success.  Timothy Financial has long advocated consistent rebalancing as a critical component to any healthy portfolio.  Among other advantages, rebalancing forces you to have the disciplined plan [...]