The Navigoe Blog

How do I withdraw from my 529 plan?

Every year, maybe every month, you diligently added to your child’s college savings in a 529 plan. Maybe Grandma and Grandpa kicked in some money to help out. It never seemed like enough — but then again, college seemed so far away. Hard to believe, but that time has come: time to send the little…

Read More

Navigoe First Quarter 2015 Newsletter: 4 Reasons for Roth IRA Conversions, Keeping a 529 Plan Rolling, Dispel Popular Myths About Retirement, and more!

The 2015 First Quarter Navigoe Newsletter is complete! Here is a summary of some of the articles in this quarter’s newsletter: Ponder These 4 Reasons For Roth IRA Conversions Roth IRA conversions remain a top topic of discussion for those who are seeking to maximize their retirement dollars. Although there are many benefits to converting…

Read More

Why are International Equities unhedged?

In 2014, the US dollar went on a tear. The currency strengthened versus all other major currencies, and not by a small amount. The US dollar gained 11.97% against the Euro, 5.92% against the British pound, 8.32% against the Australian dollar and 11.58% against the Japanese Yen. If you were a consumer of foreign products,…

Read More

Navigoe 2014 Market Review

The year 2014 will be remembered as another great year to be a stock market investor, both in the US and abroad. Of course, as is usually the case, the year-end results give us a limited perspective on the actual events of the year. It’s been said that you know your portfolio is well diversified…

Read More

Estate Planning Opportunities Using Roth IRA Conversions

In 2010, income limits to allow conversion of traditional IRA assets to Roth IRA were eliminated. This opened up the floodgates of financial planning ideas. The Roth conversion became a popular tool for retirement and tax planning. Less noted, a Roth conversion can be a powerful tool for estate planning. Generally, a Roth conversion for…

Read More

Having more money (like losing weight) isn’t a real goal

I was talking with a friend about running, and he told me, “you know what the best way to improve your running time is?” “what?” I asked. “Lose weight,” he says. That just seemed entirely backwards. It’s like saying that the best way to improve your bench press is to get stronger. Aren’t I running…

Read More

My Somewhat Costly Healthcare Education

I have a high deductible health plan (HDHP), which is compatible with a Health Savings Accounts (HSA). These plans were first approved and made available to the public in 2004. The concept makes sense for someone who does not expect to have a large amount of insurable medical expenses. These plans were supposed to make…

Read More

October Tricks and Treats

The month of October was full of both tricks and treats, spooking investors with an uptick in volatility, but delivering gains in the US markets. October has historically been the most volatile month for the stock market, with the crashes of 1929, 1987 and 2008 culminating in the ghoulish month. True to form, volatility increased…

Read More

On the Nightly News, AKA Frames of Reference

Tune in to the business segment of the nightly news, or the front page of your local paper’s business section, and you will see the usual stock market report.  Most commonly, references to “the market” are specifically to the Dow Jones Industrial Average. It’s the oldest and most recognized stock market index.  But, as I…

Read More