Financial Literacy and Informational Articles
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Annuities
Are You Paying for a Vacation for Your Annuity Agent?
Rather an interesting article on how "incentivized" some annuity agents are due to "perks" of the job! Market Watch Article: "You just gave your annuity agent a great vacation"
Annuities – Expensive Way to Invest
I am a BIG SKEPTIC when it comes to variable annuities. These articles from CNN Money and the Wall Street Journal offer reasons why variable annuities rarely make sense as an investment. Before you commit your [...]
Financial Industry Abuses
A JPMorgan Whistle-Blower
Trusted Financial’s principal, Gary Miller was employed by the brokerage industry for 17 years. He voted with his feet, leaving a major Wall Street firm at the end of 2000, in part because he felt [...]
Health Care Finances
Medicare and Retirement Income Planning
Our Medicare retirement healthcare system is confusing to most who are approaching eligibility at age 65. The article below may help your understanding. It was current as of September 2023: The ABCs (And D's) Of [...]
Inflation
Understanding Inflation
“Over forty years ago the country was experiencing high inflation, eating away at the well being of families and especially of retirees.Economist Milton Friedman explains the cause of inflation in a brief video that is [...]
Investment Decisions
Over 30 years of active investment experience goes into the decisions we make for our managed account clients. Here Gary E. Miller, CFP and Registered Investment Advisor (SEC) reveals some of his secrets.
Two Minute Tour of Trusted Financial Advisors
Please watch this two minute tour of Trusted Financial Advisors.
A Tale of Ten Years
“ October 9, 2007: U.S. Equities reach all all-time high as housing slumps” This could have been the headline. With hindsight, we know that over the following 18 months the U.S. and world economies entered [...]
“Before the Advice, Check Out the Adviser”- Article
A Thorough and Comprehensive overview of the Balkanized world of financial advice that leaves consumers exposed to predatory practices.
Before the Advice, Check Out the Advisor
Let us use this occasion to underscore that Trusted Financial, in all its dealings acts as a Fiduciary, seeking to represent the needs of and best interests of its clients. We are a Registered Investment Advisor, which as discussed in this article must act as Fiduciary and we are Certified Financial Planners which also holds us to this high standard.
Preferred Stock
My Preferred Way of Investing
Preferred stocks are an often ignored corner of the investment world. The author was alerted to them in the early 1990s when, for a time, I worked in corporate cash management...READ MORE
Real Estate
Residential Real Estate: a Questionable Investment
The bursting of the real estate bubble during the Great Recession educated many investors: real estate is just another investment. Real estate, particularly rental real estate, is a Christmas tree promising lots of gifts...for those [...]
Required Minimum Distributions
403B Plan Retirement Distribution Options
Rolling over a 403(b) account is technically a distribution, but, because you're depositing the funds into another tax-advantaged retirement account, you won't pay any early withdrawal penalty or taxes. The only caveat is you must [...]
Retirement Planning and Social Security
As of early 2017 the recently elected President pledged to not allow cuts to Social Security benefits. The conservative Heritage Foundation explains in a 2015 article, this can be accomplished by changing the way benefits are adjusted for inflation.
Please Read: “A Simple Change to Restore Social Security Solvency”
Solo 401K Overview
DO YOU RUN YOUR business as a one-person show? Have we got a deal for you: the so-called solo 401(k) plan is a little known but very efficient way for self-employed folks to save for [...]
Tax Savings Idea
Working Children
Leverage your Child's Summer Job to Build Their Future Nest Egg If your child or grandchild will be working at a summer job this year,making a contribution to a Roth IRA for him or her [...]