Wardlaw Wealth Management LLC

What Is a Bond Ladder? A bond ladder is a strategy involving the purchase of bonds that have staggered maturity dates.

http://www.tools2retire.com/What-Is-a-Bond-Ladder.c1018.htm

How Are Annuities Taxed? One attractive feature of an annuity is tax-deferral but qualified and non-qualified annuities are taxed differently.


http://www.tools2retire.com/How-Are-Annuities-Taxed.c1017.htm

How Can I Keep More of My Mutual Fund Profits? Want to keep more of your mutual fund profits? You may be interested in strategies to help lower your tax liability.


http://www.tools2retire.com/How-Can-I-Keep-More-of-My-Mutual-Fund-Profits.c94.htm

Is There Such a Thing as a Tax-Free Investment? It's important to understand tax-exempt vehicles when establishing a comprehensive tax planning strategy.

Is There Such a Thing as a Tax-Free Investment? It's important to understand tax-exempt vehicles when establishing a comprehensive tax planning strategy.

"The Best And Worst Places To Retire In 2024" by Amanda Claypool

The Best And Worst Places To Retire In 2024 Saving for retirement is challenging for many Americans in the current cost-of-living crisis. For ordinary consumers, grocery shoppers, hopeful home buyers and more, making ends meet today is hard enough without setting aside funds for the future. But without prioritizing saving now, many Americans

Are You Spending Money to Keep Stuff You Don’t Need? One in 10 Americans leases a storage unit. But for many, it may be worthwhile to let go of unneeded belongings instead.
http://www.tools2retire.com/Are-You-Spending-Money-to-Keep-Stuff-You-Dont-Need.c10235.htm

Why Purchase Life Insurance? If you have a family who relies on your income, it is important to have life insurance protection.
http://www.tools2retire.com/Why-Purchase-Life-Insurance.c1065.htm

How Much Money Can I Put Into My IRA or Employer-Sponsored Retirement Plan? IRAs and employer-sponsored retirement plans are subject to annual contribution limits set by the federal government.

http://www.tools2retire.com/How-Much-Money-Can-I-Put-Into-My-IRA-or-Employer-Sponsored-Retirement-Plan.c1286.htm

What Are the Pitfalls of Probate? The probate process can be lengthy and complex. There are strategies you can use to help avoid the probate process.
http://www.tools2retire.com/What-Are-the-Pitfalls-of-Probate.c111.htm

Please note, the markets are closed today, however feel free to contact our office if you require any assistance. Have a great day!

The United States Is Older Than Ever Before: The median age of the U.S. population rose to a record high in 2022, a demographic trend that has implications for the economy and government programs like Social Security and Medicare.

http://www.tools2retire.com/The-United-States-Is-Older-Than-Ever-Before.c10234.htm

What Is Dollar-Cost Averaging? Dollar-cost averaging involves investing a set amount of money on a regular basis, regardless of market conditions.


http://www.tools2retire.com/What-Is-Dollar-Cost-Averaging.c87.htm

What Are Some Tips for Managing My Money? A sound cash management program uses a disciplined approach: accounting, analysis, allocation, and adjustment.


http://www.tools2retire.com/What-Are-Some-Tips-for-Managing-My-Money.c58.htm

Insurance Gaps May Pose Risks for High-Net-Worth Households: It’s important for affluent families to reassess their liability coverage periodically, to make sure it’s sufficient based on their finances, lifestyles, and the related risks.
http://www.tools2retire.com/Insurance-Gaps-May-Pose-Risks-for-High-Net-Worth-Households.c10233.htm

Do You Need to Adjust Your Tax Withholding? After filing last year’s tax return, it may be a good time to adjust income tax withholding. This article explains how to estimate and adjust withholding.

http://www.tools2retire.com/-Do-You-Need-to-Adjust-Your-Tax-Withholding.c10232.htm

Investor, Know Thyself: How Your Biases Can Affect Investment Decisions: While traditional economic models assume that people make rational decisions, most humans don’t think like robots. This article summarizes some common biases that can influence financial decisions.

http://www.tools2retire.com/Investor,-Know-Thyself-How-Your-Biases-Can-Affect-Investment-Decisions.c10231.htm

Taxable Equivalent Yield: Calculate the rate of return you would have to receive from a taxable investment to realize an equivalent tax-exempt yield.

Taxable Equivalent Yield Calculate the rate of return you would have to receive from a taxable investment to realize an equivalent tax-exempt yield.

Real Estate Roundup: Feeling the Impact of Higher Rates

http://www.tools2retire.com/HOT-TOPIC-Real-Estate-Roundup-Feeling-the-Impact-of-Higher-Rates.c10238.htm

Mortgage Acceleration - this calculator can help you determine how soon you can pay off your mortgage:
http://www.tools2retire.com/learning_center/calculators/mortgage_acceleration

Loan Payoff - How much will it cost to pay off a loan over its lifetime?
http://www.tools2retire.com/learning_center/calculators/loan_payoff

Have a great weekend!

How Much Money Can I Put Into My IRA or Employer-Sponsored Retirement Plan? IRAs and employer-sponsored retirement plans are subject to annual contribution limits set by the federal government.

http://www.tools2retire.com/How-Much-Money-Can-I-Put-Into-My-IRA-or-Employer-Sponsored-Retirement-Plan.c1286.htm

What Is the Capital Gain Tax? Capital gains are profits realized from the sale of assets; a tax is triggered only when an asset is sold, not held.


http://www.tools2retire.com/What-Is-the-Capital-Gain-Tax.c1283.htm

"Top 3 richest people in the Rio Grande Valley that are not Elon Musk" by Victoria Lopez

https://www.mysanantonio.com/business/article/wealthiest-people-south-texas-19446411.php

The History of Memorial Day

https://www.asomf.org/the-history-of-memorial-day/

"3.6M Texans will travel for Memorial Day, a 4.2% increase from 2023, AAA reports" by Christine Sanchez

https://spectrumlocalnews.com/tx/austin/news/2024/05/13/texas-travel-memorial-day-2024

How Long Will It Take to Double My Money? Before making investment decisions, it is helpful to determine the real rate of return on the investment.

http://www.tools2retire.com/How-Long-Will-It-Take-to-Double-My-Money.c59.htm

"Richest Countries in the World 2024" by Luca Ventura:

https://gfmag.com/data/richest-countries-in-the-world/

Tax-Deferred Savings - Compare the potential future value of tax-deferred investments to that of taxable investments.


http://www.tools2retire.com/learning_center/calculators/tax_deferred_savings

Retirement Plan Early Distribution - Estimate how much would remain after paying income taxes and penalties if you took an early distribution from a plan.


http://www.tools2retire.com/learning_center/calculators/retirement_plan_early_distribution