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Welcome to the WINDERMERE blog

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I talked with a client this week about a few items concerning Roth IRAs and thought it was worth revisiting these topics as the deadline for 2024 IRA contributions approaches Roth Refresher As a reminder, there are two main categories of retirement savings in the US (1) Traditional savings, which provide for an immediate tax […]

Client Question: Roth Questions

February 6, 2025

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I talked with a client this week about ways to keep their Schwab account safe and secure. Here are a few best practices we discussed. Also please note, even if you do not custody your investments at Schwab, these suggestions may well apply to your online investment account as well Avoid Public Wi-Fi An oldie […]

Client Question: Securing Schwab Access

January 24, 2025

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I’ve met with a few clients this week and in every conversation, the subject of markets being at all time highs has come up. And with that, an underlying hesitation has been expressed about putting new money to work at these levels (specifically into US equities). Wouldn’t it be better to wait until markets are […]

Client Question: Investing at the Top

January 23, 2025

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When the calendar turns to January, there are a few things to take care of if you are a participant in an employer plan (401k, 403b, etc). I talked with a client about a few of these reminders this week and thought it would worth highlighting them here. Revisit Contribution Rate Each year, the IRS […]

Client Question: Employer Plan To-Do’s

January 16, 2025

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A new year can bring a lot of excitement – whether it’s setting resolutions, packing up the decorations and cleaning your house, reflecting on a fun holiday, or planning upcoming travel. But a new year also marks the return of a very important task – tax season! While the ultimate April filing deadline may seem […]

Client Question: Tax Season To-Do’s

January 9, 2025

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We are fast approaching the end of 2024. I’ve talked with a few clients about some actions they can take before we turn the page to 2025. In case you are asking yourself “wait, have I done everything I’m supposed to?,” here is a quick list. (Note, I wrote a detailed post on year-end action […]

Client Question: Year End Action Items

December 19, 2024

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It’s no secret there is an increased amount of fraudulent activity in today’s digital world. I’m sure you have received spam emails, unwanted phone calls, strange looking texts, letters notifying you of a data breach, and a whole host of other fraud attempts. One area where fraud can be particularly devastating is investment accounts – […]

Client Question: Safeguarding Investment Accounts

December 4, 2024

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I worked with two clients this week to help them rebalance their employer plan accounts. Since many of you likely have similar accounts (likely in need of attention), let’s review the process. Employer plan refresher Before diving in, let’s clarify what I mean by “employer-sponsored retirement plan.” These are plans employees are offered by their […]

Client Question: Employer-Sponsored Retirement Plan Rebalancing

November 19, 2024

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If you are an investor with a meaningful amount of your savings in pre-tax retirement accounts (either employer plans like 401ks or Individual Retirement Accounts (IRAs)), you have some to-do’s to consider as you near retirement (which were imbedded in a question I received from a client this week) The reason for this stems from […]

Client Question: Pre-Tax Retirement Considerations

November 14, 2024

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While it may be hard to believe, 2025 will be here in less than two months. It’s as good a time as any to start thinking about cash flow and savings plan for next year. I walked a client thru the recently released retirement contribution limits for 2025. Let’s take a closer look! Every year, […]

Client Question: 2025 Retirement Contribution Limits

November 7, 2024

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