Can I just live off interest?

Making News…

We  produce regular Q&A columns for Florida Today and MarketWatch, a personal finance website of the Wall Street Journal, as well as pieces for Financial Advisor magazine, the Journal of Financial Planning, and Nerd Wallet among others. Here is a sampling from the last three months.

How nonworking spouses can contribute to IRAs

Investors, remember, trading is not investing

How inheriting an IRA affects Social Security benefits

Why an all-bond portfolio can be risky

Pension buyout or payments for life? Start with the trade-offs

Keeping an inherited stock may not be wise

When annuities increase taxes

In the News…

We also act as a source to many prominent media outlets, speak at and/or attend various conferences, and advocate for the development of financial planning as a profession.

At our firm, we only work for clients in a fiduciary capacity and are accountable for putting our clients’ best interest first. The vast majority of those working in the world of personal finance are not under such an obligation in all their dealings with the public. Even if they call themselves “advisers”, they are paid and regulated as sales people and subject to a much less stringent standard.   Charlie Fitzgerald served as a source for an Orlando Sentinel article on how some in government want to make sure that the advice given to retirement plan participants and IRA owners is given under a fiduciary standard. He also contributed to the Sentinel’s “Ask an Expert” column on opening a Roth IRA for a 16-year-old.

Derrick Chandler  was twice tapped by the Orlando Sentinel on Social Security questions for their “Ask an Expert” column. On January 11th, he explained how 1099 income from IRAs and annuities affect Social Security. In the March 11th edition, he explained that the young wife and 12-year-old child of a 62-year-old may be eligible for Social Security benefits themselves.

Dan Moisand spoke at Financial Advisor magazine’s Retirement Symposium in early April in Las Vegas. Moisand moderated a panel on the health of the Social Security system and Social Security claiming strategies.  He also served as a panelist for a session about how clients of means can still derail their retirements. He cited over supporting adult children and grandchildren, starting or investing in an unsuccessful small business, getting overextended in rental real estate, and falling victim to financial fraud or exploitation among other causes of an unsatisfying retirement.

Items of Note 

Stuck on the highway? Dial *347  for the Florida Department of Transportation’s Road Ranger program. It is free.

Which  is the better predictor of future earnings: where you go to college or what you study?

The second quarter of 2015 marks the 150th anniversary of the end of the Civil War and the 70th anniversary of victory over the Nazis.  We thought we would share some photos that were brought to our attention: a slideshow of the Civil War from the Library of Congress and a link to a posting from the The Atlantic magazine covering the Battle of Britain.

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 Contact Us


Moisand Fitzgerald Tamayo, LLC is an Orlando, Tampa and Melbourne, Florida based fee-only financial planner serving central Florida and clients across the country. Moisand Fitzgerald Tamayo, LLC specializes in providing objective financial planning, retirement planning, and investment management to help clients build, manage, grow, and protect their assets through all phases of one’s life and the many transitions in between. If you have any questions or would like to discuss anything further, please give us a call or send us a note. If you are not a client and wish to receive emails notifying you of new posts – no more than once per month – fill out the subscription information in the sidebar to the right. For more frequent updates, follow us on FacebookLinkedIn, or Twitter.  

Important Additional Information & Disclosures


Please remember that past performance may not be indicative of future results.  Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by Moisand Fitzgerald Tamayo, LLC-“MFT”), or any non-investment related content, made reference to directly or indirectly in this blog will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. 

Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions.  Moreover, you should not assume that any discussion or information contained in this blog serves as the receipt of, or as a substitute for, personalized investment advice from MFT. 

Please remember that if you are a MFT client, it remains your responsibility to advise MFT, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services, or if you would like to impose, add, or to modify any reasonable restrictions to our investment advisory services. To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to his/her individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing. MFT is neither a law firm nor a certified public accounting firm and no portion of the blog content should be construed as legal or accounting advice. Tax advice is given only to clients and only when agreed to by MFT. A copy of the MFT’s current written disclosure Brochure discussing our advisory services and fees is available for review upon request.

Please Note: MFT does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to MFT’s web site or blog or incorporated herein, and takes no responsibility for any such content. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

Please Note: Limitations:  While MFT does NOT pay for recognition, awards, or publicity, neither rankings and/or recognition by unaffiliated rating services, publications, or other organizations, nor the achievement of any designation or certification, should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if MFT is engaged, or continues to be engaged, to provide investment advisory services. Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser. Rankings are generally limited to participating advisers. No ranking or recognition should be construed as a current or past endorsement of MFT by any of its clients.  ANY QUESTIONS: MFT’s Chief Compliance Officer remains available to address any questions regarding rankings and/or recognitions, including providing the criteria used for any reflected ranking.

Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results.  It should not be assumed that your MFT account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your MFT accounts; and, (3) a description of each comparative benchmark/index is available upon request.

 

About Dan Moisand

Dan Moisand is a fee-only financial advisor with Moisand Fitzgerald Tamayo, LLC. He is a regular contributor for multiple outlets, including Florida Today, MarketWatch, and The Wall Street Journal. His writing and financial advice have also been featured in Financial Planning, Investment Advisor, Wealth Manager/Advising Boomers, Forbes, Smart Money, and The New York Times, among other publications. He is the only two-time winner of the Journal of Financial Planning’s “Call for Papers” competition and has been named a top financial planner and advisor by multiple publications. Investment News named Dan one of the “twenty most influential men and women” in the history of financial planning. He currently serves on the Board of Directors for the CFP (Certified Financial Planner) Board.

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