Featured Blog
Flat Fee Financial Advisors for Planning and Investment Management
We are excited to announce that Arnold & Mote Wealth Management is now a flat-fee financial advisor. Our clients have one flat fee, billed monthly or quarterly, for both financial planning and investment management services. That fee does not change
Medicare IRMAA FAQs – Tax Deductions, Duration, and How to Pay
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QLAC – Annuities for Tax Deferral and Longevity Protection
A QLAC, or a Qualified Longevity Annuity Contract, is a unique type of deferred income annuity that is popular for those looking to reduce their RMDs early on in retirement
When to Withdraw from an Annuity – Options for Retirement Income
If you have been saving in an annuity and are nearing retirement, you have a decision to make about how to withdraw money from your annuity in retirement. Depending on
Why We Don’t Invest Clients into Funds that Sell Covered Calls for Income
Covered call funds offer investors the prospect of much higher dividend payments than regular index funds. Funds that follow a covered call strategy have attracted tens of billions of dollars
Calculating Sustainable Retirement Withdrawal Rates With Guardrails
Knowing that you have a sustainable withdrawal rate from your retirement portfolio can take a lot of stress out of retirement. But how do you know what a safe withdrawal
Why We Don’t Invest in High Yield (Junk) Bonds
High yield bonds, also called junk bonds, are fixed income investments issued by companies with low credit ratings. While they offer very high yields that are attractive to many investors,
The Role of an Estate Executor
Thanks for watching! Be sure to grab the checklists and other resources discussed in the webinar below: Checklist of Estate Administration Duties What Issues Should I Consider If My Parent
Umbrella Insurance – Liability Coverage for Those with Over $300,000 in Assets
Umbrella insurance is a vital component of many financial plans. As comprehensive financial planners, we analyze more than just your investment accounts—we also conduct a thorough insurance review. This includes
Guide to Roth Conversions – Why, When, and How Much to Convert
As tax rates have declined, more and more baby boomers retire, and 401k balances have risen, many are taking the opportunity to convert their 401k and IRAs into Roths for retirement.
Here’s how to find out if Roth conversions are right for you.
Tax Gain Harvesting – When to Pay 0% Capital Gains Tax
If you have appreciated investments in a brokerage account, whether it be mutual funds, ETFs, or a concentrated individual stock position, you should know about an opportunity that exists within