The P&A Blog

A COVID-19 update from P&A

A COVID-19 update from P&A

Out of an abundance of caution for the health and safety of our clients, team members, and community, we have taken several steps to protect you and ourselves from the spread of the novel coronavirus that causes COVID-19.  In taking these actions, we are maintaining...

A systematic and unemotional approach

A systematic and unemotional approach

On February 28th, we posted What not to do right now to the P&A Blog.  The advice we posed in this article hasn’t changed.  That said, there have been several drastic measures that have occurred around the country since then to contain the novel coronavirus:...

How markets work

How markets work

Like anyone else, I watch TV.  However, I might be a tad more discriminating about the “facts” I allow to invade my cranium.  Previously mentioned in my scribblings is a passion for how things work.  It is not unusual for me to take things apart before using them. ...

What not to do right now

What not to do right now

This week has been a tough one.  Markets went from all-time highs to correction territory (down 10%) in just six trading days.  Rarely will you see money taken away so quickly.  And since our personal monies are invested in the same stocks, bonds, mutual funds, and...

Impacts of the SECURE Act & the “Stretch IRA”

Impacts of the SECURE Act & the “Stretch IRA”

The Setting Every Community Up for Retirement Enhancement (SECURE) Act became effective January 1, 2020.  How does this new law affect you with regards to the “Stretch IRA”?   What’s in the past… Prior to 2020, IRA and ROTH accounts could be used as a powerful...

Winter 2020 Book Reviews

Winter 2020 Book Reviews

Super Pumped: The Battle for Uber By Mike Isaac For those of you who read Bad Blood by John Carreyou, Super Pumped is of a similar vein (pun intended).  The former is a story about a visionary founder who refused to accept that her revolutionary product simply didn’t...

P&A’s Down 20 Rule

P&A’s Down 20 Rule

One of Wall Street’s most famous sayings is “cut your losses and let your profits run.”  In reality, many investors do the opposite, selling winners too early and holding onto losing positions too long (what’s known as the disposition effect).   Behavioral finance...

Key concepts about money to teach your kids

Key concepts about money to teach your kids

When it comes to money, it is never too early to start educating your kids and teaching them good habits.  Here are a few concepts that some of us at P&A have implemented with our own kids.  If you are a parent, or even a grandparent, hopefully these concepts are...

Five implications of the SECURE Act

Five implications of the SECURE Act

Just before Christmas 2019, Congress passed and the president signed the SECURE Act, the most significant update to retirement law in over a decade.  Here are the five biggest implications:   Elimination of Stretch IRAs for non-spouse inheritors: Beginning in...

How to challenge your IRMAA premium

How to challenge your IRMAA premium

Did you know that, if you have a significant loss of income after you retire, there is an appeal process for IRMAA?  In other words, you might not be locked into paying higher premiums just because you were a high-income earner before retiring.  Before we get into...

A liquidity haiku

A liquidity haiku

This is my first ever haiku (and maybe my last), so bear with me: Cash when you need it.Doesn’t matter, then it does.That’s liquidity. When Berkshire Hathaway reported their earnings earlier this month, the most noteworthy item was their $128 billion cash stockpile. ...

Risk, control & the small business 401k

Risk, control & the small business 401k

My first job out of college in the Internal Audit Department at Sprint didn’t initially seem like the ideal job I’d envisioned.  I’d had dreams of high-finance or Wall Street, but to my pleasant surprise, I quickly realized that I had stumbled into an awesome learning...

P&A makes CNBC Top 100 list

P&A makes CNBC Top 100 list

We’re excited to announce that Pittenger & Anderson was ranked by CNBC as one of the top 100 financial advisory firms in the U.S. as part of their CNBC FA 100. As per the CNBC website: The CNBC FA 100 celebrates the advisory firms that top the list when it comes...

Five key ‘To-Do’s’ before year end

Five key ‘To-Do’s’ before year end

Dear P&A Client, You hired us for a reason, or two…maybe even three.  One should be so that you don’t have to make financial decisions as if you’re stranded alone on a desert island.  We see our job not only to effectively manage your investment portfolio, but...

Schwab eliminates commissions

Schwab eliminates commissions

Good news for P&A clients!  Effective October 7, 2019, Charles Schwab is eliminating trading commissions on U.S.-listed stocks and exchange-traded funds (ETFs) for trades placed online (mobile or web trading). Schwab had been charging $4.95 per trade on U.S....

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Since 1995, we have existed for one purpose...to help our clients live the life they’ve always imagined. We are a fee-only registered investment advisor (RIA) and a full-time fiduciary, meaning we advocate for your best interests day in and day out. Our approach results in shared success.
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