The Joy of Financial Security

This article appeared in the Albuquerque Journal on November 2, 2025 The average life expectancy at birth is reportedly 75.8 years for men and 81.1 years for women. However, these…

This article appeared in the Albuquerque Journal on October 14, 2025 Most retirees experience some anxiety when they end their career and move to what is called a “distribution phase”…

This article appeared in the Albuquerque Journal on September 10, 2025. Investing in the stock market has never provided guarantees. Everyone knows there is risk involved, and timing is everything.…

This article appeared in the Albuquerque Journal on August 13, 2025. If you are considering doing a Roth conversion, this article is for you. This is the third article in…

This article appeared in the Albuquerque Journal on July 6, 2025. Roth IRAs are tax-free. Traditional IRAs are tax-deferred. Understanding the ramifications of tax-free versus tax-deferred in your retirement plan…

This article appeared in the Albuquerque Journal on June 8, 2025. See end of article for editor’s note. The History Let’s start with some basics. Traditional IRAs (Individual Retirement Accounts)…

This article appeared in the Albuquerque Journal on May 4, 2025. On April 3rd and 4th the S&P 500 index declined over 10%. Since then, the stock market has had…

This article appeared in the Albuquerque Journal on April 6, 2025. As we age, we face challenges. Some are predictable; some are not. Some potential risks feel like major upheavals…

 This article appeared in the Albuquerque Journal on March 2, 2025. Uncertainty is always present. It impacts our health, our family and friends, and our investments. We can control many…