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Verisail Partners

20 second advisor

Financial insights and tips...all in 20 seconds

20 Second Advisor: Why It’s Easy to Retire in GA.

Retiring takes a lot of hard work, saving, and discipline. However, if you chose to retire in Georgia, there are some great tax benefits that make the transition to retirement a little cheaper and easier. Here are the main benefits of retiring in GA: GA Retirement Income Exclusion: This allows GA taxpayers (age 65 and…

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20 Second Advisor: ETFs vs Mutual Funds

We have a lot of clients asking about the differences between ETFs and mutual funds (active and passive). Determining whether an ETF or mutual fund is better depends on your situation and what you are trying to accomplish. Here are a few key points to remember: ETFs are traded more like stocks, while mutual funds…

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20 Second Advisor: Beliefs Drive Decisions

Every one of us carries around a set of beliefs about how the world works. These beliefs drive our decisions. For example, we used to believe that the world was flat. Therefore, we didn’t venture very far offshore. Everything changed when we discovered that the world was round! This principle applies to our money as…

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20 Second Advisor: SECURE Act Means More Roth Conversions

The SECURE Act was recently enacted by Congress. There are several new rules pertaining to retirement such as new Required Minimum Distribution (RMD) ages, inherited IRA provisions, and accessing your IRA money for certain expenses. One of the planning opportunities that arises with the new law is potentially doing more Roth IRA conversions for retirees.…

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20 Second Advisor: Significant Retirement Savings Laws Changes are Coming in 2020

On December 20, the retirement savings bill, know as the SECURE Act, was signed into law by President Trump. Here are 5 key highlights: RMD Age: Required minimum distribution (RMD) age has been increased from 70 1/2 to 72 Contributions to traditional IRAs after age 70 1/2: the law ends the prohibition on contributing to…

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20 Second Advisor: 2019 Market Review

2019 was a great year for investors! Further, the past decade produced healthy returns as well. The chart below outlines the 1, 5, and 10 year annual returns for different investments. Click here for our full 2019 Market Review

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20 Second Advisor: Live your best life & tweak your 2020 budget

The new year is a great time to take stock of your life’s direction. Review what’s going right and what’s gone off course in your life. Sit down and REALLY think about what you value most. Maybe it’s family. Maybe it’s travel and new experiences. Maybe it’s giving back or solving a societal issue. Ask…

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20 Second Advisor: 5 Financial Goals for 2020

The New Year is a great time to think about what you want to do or accomplish for the upcoming calendar year. It is also a time to calibrate and “re-center” your financial plan. Here are 5 regular rhythms that I recommend building into your annual financial check up in early January. Net worth– Calculate…

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20 Second Advisor: Shift Your Focus

Approximately 1/3 of all annual giving happens in December*. Clearly, there is a deep pull in us to help others around the Holiday season. Act on that and donate money or time to an organization you believe in! Not sure where to start? Answer these questions: What local organizations are doing great stuff in your…

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