Blog Posts

We found the following article from financial author Bob Veres to be important content and wanted to share it with you. Although the words and thoughts are his, we feel the message helps illustrate what clients should expect from their advisor, and should know they have options if they aren’t receiving the level of service they expect.

What is the value that people get when they work with an objective, client-focused financial planner?

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Home loans frequently make up significant amounts of household debt, and reducing as much debt as possible before entering retirement can seem like a good idea. A 2013 survey found that 40% of Americans age 55 and older believe that paying off their mortgage was the smartest financial move they ever made. There’s also a certain peace of mind that can come from having one less bill to pay in your later years.

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Do you have an old 401(k) sitting around from a previous job? If so, you have a few options to consider. You could cash out your account, but if you don’t put the cash back into an Individual Retirement Account (IRA) or other qualified account within 60 days, you’ll owe income taxes (and possibly penalties) on your withdrawal. If your current employer permits rollovers into its retirement plan, you may also be able to move your savings over to a new 401(k) and consolidate your investments.

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By Marc Shaffer

An immediate division of assets is not the only financial consideration that should occur when divorcing. You should also consider the impact of a divorce on your Social Security benefits and the rights of each spouse to those future benefits. Consider some of these questions we typically hear from divorced spouses:

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By Michael J. Searcy

Let’s consider two forms of debt: consumption debt and investment debt.

Consumption debt comes from buying things you want or need when you don’t have enough cash to pay up front. This could include a car, a vacation, furniture or any number of items. These items are usually paid for on credit cards and can depreciate in value over time or immediately after purchase. For my long-time readers and clients, you know I am not a fan of consumption debt. I believe you should save up in advance for a purchase and pay cash, but I understand that, without a plan, this is easier said than done.

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Subcategories

Covering topics including personal and financial goals, financial freedom (retirement) planning, estate and asset conservation, insurance and tax needs to deliver a financial plan to help you acquire, grow and preserve your wealth.

Discussing investment strategies to acquire, grow and preserve wealth, risk, investment goals, asset allocation and portfolio management (which includes securities selection, trading, performance monitoring and responding to changes in the markets and the economy.)

Discussing topics of concern to physicians and medical professionals, including debt management, contract negotiations, asset protection, succession planning for your practice, insurance needs, and other professional and financial challenges. 

Multi-generational families face financial concerns coming from different viewpoints and backgrounds, including wealth transfer, family foundation planning, and continuity while addressing emotional and psychological perspectives of family members.

We help you identify your specific retirement goals and develop a plan and strategy that can help you achieve them.

By understanding what a successful retirement plan looks like to you and your company, we will help you assess your goals to keep your retirement plan on track to benefit your business and employees. The heavy-lifting of the plan management becomes our responsibility, leaving you free to focus on the management of your business. 

We are committed to quality, support, and ethical business practices so that our Overland Park firm will be your choice for financial advisement.

Searcy Financial helps clients choose an appropriate claiming strategy while addressing life changes, such as divorce and its effect on Social Security.

Addressing the issues and confusion associated with giving care to individuals with special needs, including understanding the prognosis, financial planning, navigating Special Needs Trusts, and asset protection. 

Discussing books, new and old, and why we find them valuable. 

Discussing issues related to engagements, marriage, divorce and remarriage. 

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