Finances

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…

This article appeared in the Albuquerque Journal on February 9, 2025 There is an old saying for investors that states “Don’t let the tax tail wag the investment dog.” For…

 This article appeared in the Albuquerque Journal on January 6, 2025. Managing your investments gets complicated. Sometimes it seems overwhelming. My recommendation for 2025 is to simplify your finances. The…

This article appeared in the Albuquerque Journal on December 16, 2024.  The U.S. stock market has been in a bull market during 2023 and 2024. A bull market (loosely defined…

Sociologist Brené Brown said we should “snuggle up to uncertainty” during one of her lectures a few years ago. She has written numerous bestsellers and is an expert on vulnerability,…