May 2017

Why Bear Markets Shouldn’t Matter for Baby Boomers or any Investors

Submitted by Gerstemeier Financial Group, LLC on May 26th, 2017

The ubiquity of the financial media has Baby Boomers anxiously pinned to their TVs, computers and investment magazines as the so-called experts prognosticate on the coming bear market. Unquestionably, the stock market is at another crossroads, and its gains over the last several years year belies the concerns that most people have over the economy and the uncertainty that continues

Why Financial Planning is an Absolute Necessity for Everyone

Submitted by Gerstemeier Financial Group, LLC on May 26th, 2017

To Preserve the Family Legacy, Keep Business and Family Separate

Submitted by Gerstemeier Financial Group, LLC on May 26th, 2017

For centuries, family-run businesses have been central to our country’s wealth creation.

The Seven Deadly Sins of Personal Finances

Submitted by Gerstemeier Financial Group, LLC on May 12th, 2017

Much is written on the “biggest financial mistakes” that people make with helpful tips for avoiding them. We’re used to seeing many common examples of how people can get themselves in trouble through certain activities, such as charging up credit cards, making minimum interest payments, buying cars new rather than used, not shopping auto insurance plans, etc.

Don’t Like Where You are Financially? Change Your Behavior

Submitted by Gerstemeier Financial Group, LLC on May 12th, 2017

When people decide that they need to eat healthier or lose weight, they know that they have to change their behavior. That’s easier said than done for most, which is why programs like Nutrisystem and Weight Watchers are so popular; because they provide a system for automatically controlling portions and nutrition.

What’s Your Life Insurance Plan?

Submitted by Gerstemeier Financial Group, LLC on May 12th, 2017

If you are like many working age adults chances are good that you own some kind of life insurance policy, but the real question isn’t whether or not you are insured; the real question is whether you simply own a life insurance policy versus having a real plan for your family’s life insurance needs.

Are Early Withdrawals from an IRA a Good Idea or a Bad Idea?

Submitted by Gerstemeier Financial Group, LLC on May 5th, 2017

Filed in the “it seemed like a good idea at the time” category is a case in which one of our clients used a relatively obscure and somewhat complex provision in the tax code pertaining to IRAs to take early withdrawals while avoiding the 10 percent penalty tax.

Benchmarking Mutual Funds: Are You Missing the Mark?

Submitted by Gerstemeier Financial Group, LLC on May 5th, 2017

As the stock market resurgence continues, investors are reawakening to the performance benchmarks of their mutual funds to see if their fund choices are drawing every ounce of gains that have been produced over the last couple of years.

Planning for Long Term Care

Submitted by Gerstemeier Financial Group, LLC on May 5th, 2017

As we age, the odds of incurring an injury or major illness that will prevent us from performing simple daily functions increase substantially. Today, one in three people over the age of 65 will require assisted care of some sort. Past age 75 the odds increase to where one in two will need nursing care.

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