by Mark Shelby | Retirement Planning
Every day 10 thousand people in the US turn 65. They’re becoming the fastest-growing segment of the population. With turning 65 comes the right of passage which is retirement. As you embark upon this exciting new journey in your life, you may begin to wonder... 
by Mark Shelby | Investing
As the pandemic recedes, inflation has come to the forefront of economic news. The inflation rate in the U.S. hit 8.3 percent in April 2022, the highest rate in decades, but not the highest rate we’ve ever experienced (29.78% in 1778, and 19.66% in 1917 is the... 
by Mark Shelby | Retirement Planning
18.9% of new residents moving and living in Virginia are retirees. What makes Virginia’s life so appealing? If you’re retirement planning for the future and considering where you want to spend your golden years, Virginia should be at the top of your list.... 
by Mark Shelby | Investing, Retirement Planning
This popular retirement savings vehicle comes in several varieties. Many Americans know about Roth and traditional IRAs, but there are other types of Individual Retirement Arrangements. Here’s a quick look at all the different types of IRAs: Traditional IRAs... 
by Mark Shelby | Investing, Retirement Planning
As you approach retirement, it may be time to pay more attention to investment risk. If you are an experienced investor, you have probably fine-tuned your portfolio through the years in response to market cycles or in pursuit of a better return. As you approach or... 
by Mark Shelby | Insurance Planning
Shop wisely when you look for coverage. Are you about to buy life insurance? Shop carefully. Make your choice with insight from an insurance professional, as it may help you avoid some of these all-too-common missteps. 1. Buying the first policy you see. Anyone... 
by Mark Shelby | Retirement Planning
New rules could soon mean more flexibility. By 2020, federal employees with Thrift Savings Plan (TSP) accounts should have new withdrawal choices for their invested assets. New rules are scheduled to be implemented through the TSP Modernization Act, permitting TSP... 
by Mark Shelby | Retirement Planning
If you own a traditional IRA, perhaps you have thought about converting it to a Roth IRA. Going Roth makes sense for some traditional IRA owners, but not all. Why go Roth? There is an assumption behind every Roth IRA conversion – a belief that income tax rates will be... 
by Mark Shelby | Financial Planning
Did you recently graduate from college? The years after graduation are crucial not only for getting a career underway but also for planning financial progress. Consider making these money moves before you reach thirty. Direct a bit of your pay into an emergency fund.... 
by Mark Shelby | Insurance Planning
If you buy a home and you have no life insurance, there is a financial risk. It may not be immediately evident, but it must be acknowledged – and it should be addressed. What if you die, and your spouse or partner is left to pay off the mortgage alone? This...