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STA In The News

Should You Pay Off Your Mortgage Before You Retire?

It’s ideal to pay off your mortgage before retiring, but sometimes it’s not possible. You have alternatives.

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Chicago Sun Times
Should You Pay Off Your Mortgage Before You Retire?

Most people would be better off not having mortgages in retirement. Relatively few will get any tax benefit from this debt, and the payments can get more difficult to manage on fixed incomes. But retiring a mortgage before you retire isn’t always possible. Financial planners recommend creating a Plan B to ensure you don’t wind up house rich and cash poor.

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Save $1 Million for Retirement on Minimum-Wage

A couple of summers ago the online news brought the wonderful story of a Brattleboro, Vt., janitor and gas-station attendant named Ronald Read, who died in 2014 at age 92, having quietly saved $8 million. When the will was finally probated, neighbors learned that the unassuming man driving to the store in his second-hand Yaris had left $6 million to his local library and hospital.

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IHeartMedia, KPRC
The challenge of saving a million dollars in a 401K

HOUSTON – One million dollars! It’s a tough sum to raise in a 401K savings plan, but one of the keys to do so is start saving early since the compound interest has more time to grow. Michael Smith, President of STA Wealth Management, advises that you take advantage of any employer match that is offered for a 401K savings plan, because if you don’t, it’s like throwing away free money. He, also, advises to check the fees that may be charged for your 401K and to have a balanced portfolio. “Use multiple strategies. So, a 401K is a great one. A Roth 401K is another good strategy, and have a regular taxable account and have a good balance between those.”

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Investment News
13 Cringeworthy Statements from Clients

Clients can say the darnedest things. Here are some zingers that had us shaking our heads. One thing that always makes me cringe is when I hear a client say something like, “Do whatever you think is best…I trust you.” That means it is 100% on me and if it goes less than perfectly, it is my fault. I don’t let the client get away with that and I will still go through the options and/or why I think it is the best thing to do, but I want a positive statement like, “Thank you for explaining that and I agree with your recommendation.” — Scott A. Bishop, executive vice president and partner, STA Wealth Management

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5 Reasons to Convert Your Roth to a Traditional IRA

The advantages of Converting Traditional IRA Savings to a Roth IRA are well-known, having been finely honed in the nearly two decades since the Roth was born. In fact, the long-term tax benefits of a Roth IRA seem so obvious that you (assuming you qualify for a Roth) simply would never consider making the switch to a traditional individual retirement account.

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