Monthly Archives: September 2014

WARNING: Here is a transcript of the automated voice mail message left on a professional colleague’s (CPA) home phone last month by someone trying to commit an I.R.S. (fake) fraud on him: He received this voice mail message. “I need you or your retained attorney to return this call. The issue at hand is extremely time sensitive. I’m officer Hannah Gray from the Internal Revenue Service and the hot line to my position is 415-251-XXXX. I repeat, it’s 415-251-XXXX. Don’t … Continue reading

With the stock market at all-time highs and bond interest rates at near historical low levels, it can be a very difficult time to safely navigate a new retirement. Where should your assets be.. or be moved to? How should you take distributions and from what assets? But this post isn’t so much about those strategies as it is about the concept of “Sequence of Returns”. Since we are at historical stock market highs (but that doesn’t mean we can’t … Continue reading