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Authentic Advice Video: Rebalancing Strategies

Two Rebalancing Strategies Over time, the ups and downs of financial markets can change the profile of your investment plan, leaving you with more risk than you would like, or less growth potential than you need.  Both of which can be detrimental to your long-term financial plan. When we return, I will share with you […]

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Authentic Advice Video: Disaster Plan

What’s your disaster plan? Many of us are feeling the financial and operational shocks of Covid-19.  A couple of years ago we went through ‘disaster’ planning, also known as ‘contingency’ planning, and we still do it every year. While we could not have predicted what would or could cause us to move the firm to […]

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Authentic Advice Video: Behavioral Bias

Are you a better-than-average driver? Regardless of what my wife says, I know I am, and chances are you think you are too.  That is because nearly three-quarters of people think they are better-than-average drivers.  Besides being mathematically impossible, this statistic is an example of overconfidence—and is just one illustration of how certain biases can […]

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Social Security and Medicare Face Financial Challenges

Most Americans will eventually receive Social Security and Medicare benefits. Each year, the Trustees of the Social Security and Medicare Trust Funds release lengthy reports to Congress that assess the health of these important programs.  The newest reports, released on April 22, 2020, discuss the current financial condition and ongoing financial challenges that both programs […]

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Special Considerations for Second Homes and Vacation Homes

If you are like us, you have dreamed about a second/vacation home.  And, with rates being historically low, not to mention the desire for a change of scenery while working from home, it is only a matter of time before we find ourselves looking at cabins, ranches, or beach houses.  However, before you decide to […]

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Choosing a Mortgage

Right now, interest rates are near historical lows.  As such, you might be thinking of purchasing a home or refinancing the one you have.  But with so many different loan types, which do you chose?  And, just like homes, mortgages come in many sizes and types.  As Financial Advisors, below are some of the more […]

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Understanding Defined Benefit Plans

If you are like many Americans, you likely have an employer-sponsored retirement plan.  This is the third article in a three-part series about the basics of 401k, 403b, and Defined Benefit Plans. You may be counting on funds from a defined benefit plan to help you achieve a comfortable retirement. Often referred to as traditional […]

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403(b) Plans: The Basics

If you are like many Americans, you likely have an employer-sponsored retirement plan.  This is the second article in a three-part series about the basics of 401k, 403b, and Defined Benefit Plans. Retirement plans established under Section 403(b) of the Internal Revenue Code, commonly referred to as 403(b) plans or “tax-sheltered annuities,” have become a […]

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Should You Dip into Your HSA Now? Or Save it for Retirement?

A recent study from Fidelity estimates that an average 65-year-old couple retiring this year will need to have $295,000 in today’s dollars for future medical costs. So what is an effective way to save for medical expenses in retirement? Consider a Health Savings Account (HSA). 1) Contributions are pre-tax and avoid FICA tax if made […]

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5 Steps for a Fair Price at a Dealership

Buying a car can be exciting but also a time-consuming process. At Austin Asset, it is not uncommon for us to facilitate the car buying process for our clients. Our goal, to save our clients time and help them get a fair price. To do that, we follow a repeatable and straightforward 5 step process. […]

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