Featured Blog
Flat Fee Financial Advisors for Planning and Investment Management
We are excited to announce that Arnold & Mote Wealth Management is now a flat-fee financial advisor. Our clients have one flat fee, billed monthly or quarterly, for both financial planning and investment management services. That fee does not change
Medicare IRMAA FAQs – Tax Deductions, Duration, and How to Pay
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What Types of Income is IRMAA Based On? Calculating MAGI for Medicare IRMAA Surcharge
Understanding the type of income that counts towards the IRMAA calculation is important because avoiding IRMAA can save you hundreds of dollars per month on each spouse’s monthly Medicare bill.
Dangers of Dividend Investing – Why We Use a Total Return Approach
The benefits of dividend investing are frequently hyped across financial media, by bloggers, and even by financial advisors. We get a lot of questions about the best dividend funds and
401(k) Target Date Funds with Annuities – New Hybrid Target Date Funds
The SECURE Act of 2020 opened the door for more insurance products to be offered within 401(k) plans. One trend we’ve noticed creeping into our clients’ retirement accounts —including those
Retire with $5 Million – Financial Planning Topics to Discuss With Your Advisor
If you have $5 million in total assets and you’re interested in retirement, the good news is that you can sustain a pretty hearty annual income from withdrawals for many
TSP Lifetime Income Annuity – Retirement Income Options with the Thrift Savings Plan
If you have money in the Thrift Savings Plan you receive an document called a Lifetime income illustration each year. This document outlines an estimated annuity payment you may be
When to Withdraw from a Roth in Retirement
When should you withdraw money from a Roth account in retirement? Roth IRAs and Roth 401(k)s are excellent long-term retirement accounts. The money in these accounts grows tax-free, and the
Is Stock Market Concentration a Risk to Your Retirement?
The current stock market concentration has been the subject of much recent press, analysis, and commentary. Companies known as the “Magnificent 7” have become so large that they now make
When to Review and Update Estate Documents – Wills, Trusts, Power of Attorney
There is no specific timeframe where you need to update your estate documents. Many times, you can go many years without needing to update your wills, trusts, or power of
Iowa Life and Health Insurance Guaranty Association – Protection Limits for Annuities, Life Insurance, and More
How does the state of Iowa protect you if your annuity or life insurance company fails? If you are a resident of the state of Iowa and purchased an annuity