September Market Update: Rates, Tariffs, and Retirement Strategies
As summer winds down and fall begins, questions around interest rates, tariffs, and market direction remain front and center. 🎥 Watch this month’s Matt’s Minutes video here (full transcript below). ⏱ Video Highlights Want to jump to a specific part of this month’s update? Here are the key sections: In August, markets stayed relatively steady, but…
Prohibited Transactions: Avoid Costly IRA Mistakes
For many people in or nearing retirement, IRAs are a cornerstone of their financial plan. But even a small misstep can create big problems. One of the most common — and most expensive — mistakes IRA owners make is engaging in a prohibited transaction. A prohibited transaction happens any time IRA money is used for…
4 Market Trends Pre- and Post-Retirees Should Be Watching Right Now
Markets have been anything but quiet this week. Between Fed chatter, market swings, global shifts, and inflation headlines, it can feel like there’s always something new to watch. Whether you’re already retired or planning to retire within the next decade, these changes matter. They can directly affect your income strategy, the growth of your portfolio,…
Dispelling the “Opportunity Cost” Myth About Roth Conversions
It’s back-to-school season — and while the kids are loading up their backpacks, it’s not a bad time for us adults to learn something new, too. One topic we’ve been talking about a lot lately is the Roth conversion. If you’re not familiar, this is simply the process of moving money from a traditional IRA…
529 Plan vs. Roth IRA: Back-to-School Planning for Education Savings
Back-to-school season is here — and while the kids are busy with backpacks and pencils, it’s a great time to think about something that can make a big difference in their future: saving for higher education. Whether you’re a parent or a grandparent, you’ve probably thought about how you might help cover college costs. With…
How (and Why) to Decline an Inheritance — and When It Might Be the Smartest Move
If someone offered you an inheritance, your natural instinct might be to say “Yes, please!” But in certain situations, declining an inheritance could actually be the wisest choice — for you, your taxes, and your long-term financial plan. This strategy is called a disclaimer. It’s not for everyone, but when used correctly, it can help:…
Tariffs & Your Money: The Hidden Ripple Effect
What’s your first thought when you hear about new tariffs? Are you hopeful or apprehensive? If you’re like most Americans — and especially if you’re living on a fixed income — you may be bracing for price hikes and disruptions. You might also be wondering how these policies will ripple through the economy and into…
Celebrating Cindy’s Retirement – 24 Years of Dedication!
After more than two incredible decades with Richmond Brothers, our dear teammate Cindy Ott is officially retiring on August 15, 2025. Maybe it was a friendly phone call, a thoughtful note, or a quick hello in the office—however you crossed paths with Cindy, chances are she left you with a smile. Over her 24 years…
Buy-and-Hold vs. Smoother Ride: Which Investment Strategy Makes Sense Now?
Which Market Strategy Fits Today’s Uncertainty? Matt Explains.Trade wars. Tariff deadlines. Even nuclear threats showing up in the headlines. If you’ve been feeling unsettled by the news lately, you’re not alone. In this month’s Matt’s Minutes, Matt Curfman, CFP® and our unofficial furry co-host Oliver walk through a timely comparison of three potential market paths…
Did You Know? You May Be Able to Collect Social Security Based on an Ex-Spouse’s Record
At Richmond Brothers, we know Social Security decisions can feel overwhelming — especially when your situation includes a divorce, remarriage, or uncertainty around your ex-spouse’s benefits. One common question we hear is: “Can I collect Social Security based on my ex-spouse’s record — even if we’re no longer in touch?” The short answer? Yes, you…
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