Bob DiCarlo, CRPC

HOME FOR THE HOLIDAYS! (?)
Look, not to be a downer, but while the family is all together this Thanksgiving ... get it together!
Get the family to commit to have one trusted digital contact so ALL the information is ready when needed.
Ensure you can focus on the issues at hand and not upcoming.

Get Your Digital Accounts Ready In Case of Death In case of death: how to set up a list of important digital account info for simple and secure information sharing with family members and trusted friends.

Thanks to our special guests Jim & Tamara Dye from MVS Insurance, Dani & Rob of the Mattisnko Realty Group, and Claudia & Ken of Epstein Studios Photography for kicking off our fall dinner series!

"Last I looked, the Pyramids have stairs”-

I use that phrase a lot, taught to me by my first Advisor Leader. He would tell this to clients in our first meeting. The context is, that we can’t wait for our Exit from work to fulfill our recreational aspirations. WorldTravel is one of mine. Good health, let alone tomorrow, is not promised to us. Make space in your cash flow for current and future experiences. Make a plan for your aspirations, time moves swiftly.
This is the La Giralda Tower and Seville Cathedral. It’s the third largest in the world and originally was a mosque. The cathedral is 11,500sq’ and the tower is 37 floors to the top. The view of Seville is breathtaking!
Yes, Virginia, The Pyramids have stairs. 😏
need some tips? let me know.

I've never been one of those "plan to retire with me, and you'll have your own yacht" kind of Advisor. But... God willing this is where I'm going. Save/Live/Save, then live some more!😉

Working on St Patrick's Day be like ...😞😏

I love my profession! people to be prepared for the unexpected. To avoid the "curve balls" that throw off track.
Sadly, there is a drawback. Hearing about financial decisions that are not optimal for protecting their future. 😕
I urge every person/couple to get someone in your circle to help you avoid risky decisions.
Protect your spouse's, children's . Protect your quality of life in your retirement years. Protect your income.
No one wants to pay for , yet they are relieved a solid policy plan is in place. 💲
Don't let these temporary inflationary times influence fundamental decisions for the .
Be aware of the Gap from your Today to Tomorrow. 😃

It's no secret that there are large recessionary concerns for 2023. This article gives some ideas towards managing the turmoil. Need some other ideas? I'm always open for a no hassle talk 480-275-6354 x 103 .

Building Wealth During Inflation: Rebelling the Good Way Building wealth during inflation might seem like an impossible task unless you study the market and set out to build your portfolio.

As we approach the end of 2022, you may be preparing to fulfill your tax obligations for the year. Here’s some advice to consider before making any year-end tax moves.

What smart strategies can lower your tax bill as year-end approaches? Read this before making any tax moves. It appears that there won’t be any significant tax increases that will take effect this year or next year -- that's good news for taxpayers.

Knowledge of financial topics like saving, budgeting, and borrowing can empower you to reach your goals and protect your interests. Read why achieving at least a basic level of financial literacy is so important.

Why does financial literacy matter? Learning about spending, saving, investing, borrowing and protecting your money allows you to meet goals like buying a home or taking vacations.

When it comes to managing your personal finances, there’s no shortage of “advice” out there. But not all of it should be treated as gospel. Take a look through some of these common myths surrounding personal finance.

Are You Falling for These Personal Finance Myths? Close up of unrecognizable woman using calculator while going through bills and home finances. There’s misinformation floating around in the 2020s. Maybe the reason for... Here are some of today's top personal finance myths, along with the correct information about each one.

Most CIO’s I am following claim that “cash is NOT trash” during this market environment. True, if your investment timeline is greater than 10 years and you have a strong stomach for volatility, opportunities abound. Yet, for those willing to wait for calmer waters finally there is some gain to be earned on your safe haven cash. Considering a 1 year treasury currently will lock your money up for 3.8% some of these rates without fees can be attractive.

The best high-yield savings accounts to build your wealth Make your money work for you.

Over the years I've met many parents with vairous points of view. All valid from their own experience. However It's simple, you can't take a loan out for retirement. Want to save for both and minimize taxes? What's your strategy? Let's chat.

Your 401(k) isn’t a college fund. Here’s a guide to paying for your kid’s education without sacrificing retirement. Many parents think that tapping or stalling retirement savings is a good way to help their children pay for college and avoid student loans. It's a huge...

How many years are you from retirement? Check out this guide for help determining what your income needs will be as well as how long it should take for you to hit your retirement goal.

How Many Years Until You Retire When it comes to retirement, there is no one size fits all approach. For instance, some people have decided to join the F.I.R.E. Movement in order to retire early —...

Compared to your working life, retirement is an entirely different ballgame and even the best-laid plans won’t render you immune to financial blunders. Read up on some of the financial decisions that retirees often come to regret so that you can avoid making them yourself.

Financial Decisions Retirees Regret - Big Time Retirement money regrets are real - and lasting

Countless executives retire with each passing year. Stepping away from the business you played such a prominent role in can be complicated and the succession process requires careful planning. But in addition to formulating an exit strategy and ensuring that your business is positioned to succeed in your absence, it’s important that you also commit sufficient time to deciding what the next phase of your life will look like. As you plan for your own future there are five important considerations.
Use this guide to help you prefer for our complimentarty meeting today. Remember, failing to plan... "/

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The traditional IRA is one of the most popular retirement account options because of the investment flexibility and tax advantages they afford retirement savers. Avoid making these common mistakes when it comes to dealing with your IRA.

20 IRA Mistakes to Avoid From contributions to conversions to distributions, don't fall into these traps.

Taxes can end up taking a significant toll on your retirement accounts if you don’t plan ahead. For those with a traditional IRA or 401(k), read up on some of the potential tax challenges that retirement could introduce and how you can prepare for them.

Is Your Retirement Portfolio a Tax Bomb? | Kiplinger A warning to high earners and super savers: That massive 401(k) or traditional IRA that you worked so hard to build may become a big problem in retirement, resulting in huge tax bills and Medicare surcharges. Here’s what you need to know, and what you can do about it.

Filing taxes can be a tricky proposition, particularly if you’re a freelancer whose work is less conventional. Here’s how you can determine if you’ve been overpaying taxes and, if so, how you can take steps to address it.

Almost All Freelancers Are Overpaying Taxes. Are You? According to one source, freelancers overpay an average of $3,000 in taxes annually. Here's how to know if you're overpaying and how to lower your taxes.

The Biden Administration just announced its intent to implement a new student debt forgiveness program. While it’s clear that those with outstanding student loans will benefit, the ripple effects of widespread debt forgiveness might not be seen immediately. Here’s what this program could mean for investors.

What Does Student Loan Forgiveness Mean For Investors? The Biden administration has just a few days left to extend the student debt moratorium or let borrowers restart payments.

Are you retired but thinking of going back to work? Second careers and part-time work are more common among retirees than you might think, but the decision to rejoin the workforce could bear implications for things like social security and taxes. Read more here.

Retirees, here's how returning to work may affect Social Security, Medicare, pensions and taxes Unretiring can help stabilize your cash flow, but it might trigger unintended consequences in other financial areas of your life.

The tax implications of inheriting an IRA from a loved one have grown increasingly complex, introducing a new set of challenges to estate planners and inheritors alike. Read up on recent changes to the way inherited IRAs are taxed.

IRS Changes Guidelines for Inherited IRAs, Causing Confusion and Pushback Some choose to take a big tax hit now rather than deal with 10 years of calculations.

Newly proposed legislation aimed at combating issues like climate change, healthcare availability, and inflation could also bear significant tax implications for many Americans. Here’s what you should know about the Inflation Reduction Act.

The Inflation Reduction Act and Taxes: What You Should Know | Kiplinger Congress is poised to pass the Inflation Reduction Act of 2022—a climate, energy, healthcare, and tax bill that would increase IRS funding, and change some tax policy and tax credits.