by Sean Dailey | May 2, 2016 | Financial Planning, Retirement Planning
What are the first three things you think of when you hear the word millennials? iPhones, Chipotle, Facebook? There may be a few other good answers, and one I’d like to suggest is the term student debt. Combinations of rising tuition, souring job opportunities and... by Sean Dailey | Apr 19, 2016 | Financial Planning, Investment Planning, Retirement Planning
An IRA account can be very flexible in addressing your retirement income needs. Many types of accounts have high fees for modifying your money before it matures and can have heavy restrictions on how you can use it, which can be frustrating for something sudden like a... by Sean Dailey | Apr 19, 2016 | Financial Planning, Retirement Planning
A common retirement question we often hear is, “should I contribute the maximum in my 401(k) account?” You might already know that the current annual limit for your 401(k) is $18,000 (or $24,000 if you’re 50 or older). And no doubt you are taking advantage of... by Sean Dailey | Aug 18, 2015 | Financial Planning
Everybody knows one. That friend you always have to wait for. At a restaurant, he will text you that it will just be five more minutes. Another text ten minutes later says, “Five more minutes.” You’re about to leave and you get another text: “I’m on my way.” It’s... by Sean Dailey | Aug 12, 2015 | Financial Planning, Retirement Planning
The Employee Benefits Research Institute came out with its annual Retirement Confidence Survey a few months ago. We at Miramontes Capital, who have grown accustomed to looking over the document each year, usually aren’t dramatically surprised by the findings of the...