Insights
February 2024 Market Thoughts
https://youtu.be/E5cfrBBzIYY?si=Ny2oLgViWjU3anKU Brad McMillan, Commonwealth’s CIO, recaps February’s market and economic news. Stocks performed well in February, with most...
401(k) Loans: Borrowing from Your Future
If you need funds to cover an unexpected expense, taking a loan from your 401(k) account may sound appealing. Although many retirement plans offer these loans, borrowing from...
February 2024 Market Thoughts
https://youtu.be/Y35EGTa1Gdg?si=Czoa0YQDJmLIerk9 Brad McMillan, Commonwealth’s CIO, recaps January’s market and economic news. The U.S. stock market reported lower-single-digit...
Market Update: January 2024
Quick Hits Positive Start to the Year Mixed Month for Bonds Economic Growth Continues Update from the Fed Risks to Monitor Solid Foundations for the New Year Positive Start to...
Do-Over Options for Social Security Claiming Decisions
If you claim your social security benefits and later realize doing so might not have been in your best interest, you may have an opportunity for a do-over. There are three...
Emotions of Investing
Logic and emotion have never been a perfect pairing. It is logical for investors to stay focused on their long-term goals during volatile markets, but emotionally it is very...
10 Common Retirement Mistakes
In a sense, you have been planning for your retirement ever since you started working. Maybe you’ve been contributing to a 401(k) plan, or maybe you’ve been socking away money in...
Long Term Care – It’s All About A Plan
We partnered with Ash Brokerage to discuss Long-Term Care. Quick Hits What is Long-Term Care, and what's your plan? Medicare vs. Medicaid Private Long-Term Care Options Long-Term...
Benefits of Retirement Planning
Retirement planning is the process of evaluating your current financial standing and creating a strategy for helping you achieve your desired retirement lifestyle. It is about...
Budgeting for the Holiday Season
As the winter gifting holidays approach, current economic conditions might cause you to be more cautious than usual about how much you spend on friends and family this year. If...
Making the Case for Bonds
What a difference a couple of years makes. At the end of 2021, interest rates were at rock bottom, and banks offered savers little more than crumbs. Fast forward to today, and...
Kaelen’s Journey to Becoming a Certified Financial Planner
Starting a career in finance requires determination, knowledge, and a passion for helping individuals navigate the complexities of their financial lives. Recently Kaelen achieved...
Why a Fee-Based Financial Advisor Is Right For You
How do financial advisors get paid, and why does it matter to you? Gabe and Ryan are walking through why a fee-based investment advisory practice may...
Making the Case for Bonds
SRP Clients, What a difference a couple of years makes! At the end of 2021, interest rates were at rock bottom and banks offered savers little more than crumbs. Fast forward to...
Decoding the Debt Ceiling Crisis: An Update
We've discussed the debt ceiling crisis in past articles, and now it's back in the headlines. What does this mean, and why are we watching itnow? Several months ago, the United...
The Dollar’s Staying Power and Other Reasons Not to Panic!
Presented by Ryan Gomendi In recent weeks, there has been much ado about the dollar. Questions and concerns have arisen about de-dollarization, central bank digital...
Honored in Forbes’ 2023 Best-In-State Wealth Advisor List For The 7th Consecutive Year
Billings, Montana (April 4, 2023 )—Strategic Retirement Plans has announced that Gabe Lapito has been named to Forbes Best-in-State Wealth Advisors for 2023. This is...
Can a Financial Advisor Really Help?
Gabe talks about the benefits of having a financial advisor on your team. https://youtube.com/shorts/dIBUH7sJin0?si=EnSIkaIECMiOmarE How SRP Will Help you Succeed in Retirement...
Retirement Planning 101: How to Calculate Your Income Using a Safe Withdrawal Rate
Ryan discusses the best way to calculate income using a safe withdrawal rate. https://youtube.com/shorts/7phWvsv86UE?si=EnSIkaIECMiOmarE Calculating Income with a Safe Withdrawal...
What Amount of Money Do I Need for Retirement?
Ryan details what SRP likes to analyze to know if an individual is ready to retire! https://youtube.com/shorts/KEfC5L9rQZw?si=EnSIkaIECMiOmarE Amount You Need to Retire This is...
Retirement Planning: How to Accurately Estimate Your Future Rate of Return
Ryan explains estimating rate of return in retirement. https://youtube.com/shorts/OMLSUSU23bA?si=EnSIkaIECMiOmarE Estimating Rate of Return How do you estimate future rate of...
What is a Reasonable Rate of Return in Retirement?
Ryan speaks to what Rate of Return to aim for in retirement. https://youtube.com/shorts/KDDN0k4NGhc?si=EnSIkaIECMiOmarE Rate of Return in Retirement We always like to think that...
How Safe is the 4% Withdrawal Rate for Retirement?
Ryan shares SRP's perspective on the reliability of the "4% plan" in retirement. https://youtube.com/shorts/JZ3havBOH6U?si=EnSIkaIECMiOmarE SRP's Approach to Annual Withdrawal...
Retirement 101: The Optimal Withdrawal Strategy for a Secure Retirement
Gabe puts the 'S' in SRP with this brief guide to strategic retirement planning. https://youtube.com/shorts/i856o3A-_KE?si=EnSIkaIECMiOmarE What is the Best Retirement Withdrawal...
What Amount of Money do I Need in my 401k to Retire?
Ryan shares his advice on the amount of money needed for retirement. https://youtube.com/shorts/rWeacjRho_4?si=EnSIkaIECMiOmarE The Two Key Factors in Determining 401k Savings...
How Much Do I Need to Retire?
Ryan explains how SRP guides retirees to a goal for a numerical retirement amount. https://youtube.com/shorts/LCTUS02cNwA?si=EnSIkaIECMiOmarE SRP's Methodology Behind Knowing...
Maximize Your Retirement Savings: The Importance of Diversifying Your Accounts
Ryan explains the importance of a balanced and diverse portfolio to get you through down markets like we are currently experiencing. https://www.youtube.com/watch?v=wobKz_jvrT0...
How Much Should I Have in My 401K Before I Retire?
Do you wonder how much is needed in your 401k to retire? Here is Gabe's advice on some guidelines to follow for your 401k savings. https://www.youtube.com/watch?v=65RA0jsO93s...
Rate of Return: What to Expect in Retirement
Gabe and Ryan let you know about risk and reward in retirement for the best rate of return in different markets. https://www.youtube.com/watch?v=wC9B_ticXdc Calculating Risk into...
Are You Panicking About Higher Interest Rates and a Down Market?
Listen to Ryan and Gabe explain why you don't need to be worried about the current state of the market and interest rates. https://www.youtube.com/watch?v=-CjnuLfeFs8 Are you...