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by Dave Kutcher We have received a few requests for some information regarding trusts. More specifically, we have been asked about Funeral Trusts. In essence, a funeral trust is a trust that is being set […]
by Dave Kutcher We have received a few requests for some information regarding trusts. More specifically, we have been asked about Funeral Trusts. In essence, a funeral trust is a trust that is being set […]
by Tad Lindley It was early morning a couple weeks ago and I was going to Kasigluk for work. Sometimes people profile me as the type of person that would have a covered boat, but […]
by Peter Twitchell I remember a trip I made to Mountain Village in the not too distant past. The village was located high on the side of a hill on the lower Yukon River. I will […]
by Tad Lindley It has been said, “There are three kinds of people in this world, those who can count, and those who can’t.” Which one are you? The quiz What is? The number of […]
by Dave Kutcher It is August 2023 and after a lackluster 22’ and a first half of 2023 filled with trepidation for what was going to happen this year, many people have found themselves feeling […]
by Peter Twitchell One of the greatest tragedies in life is forgetting our culture and our people, and all that we remember hearing them talk about – how our people survived in a place where […]
by Tad Lindley Noah was one of the least successful preachers in history. He preached for at least a hundred years and reached only seven souls. Those seven souls were his wife, his three sons, […]
by Dave Kutcher We get questions on social security benefits all the time. The big question most often asked is whether it makes sense to delay taking benefits in order to get a higher amount […]
by Peter Twitchell I believe all us kids when we were 5, 6, 7 years old did as we were told in the morning by our mother – to swallow a teaspoon full of cod liver […]
by Tad Lindley A reader recently sent in this question, and it is a very valid question: I have so many on TikTok, that are saying we don’t go through the tribulation, they keep saying we […]
by Peter Twitchell When I look back in my life I took so many chances in the dead of winter driving down to Johnson River to fish for pike when it was snowing and blizzarding […]
by Tad Lindley A question was once posed to me, “What about Mike and Mary?” Those aren’t the real names. I couldn’t remember the real names, so I used Mike and Mary instead. The thrust of […]
by Dave Kutcher While most of our articles are focused on how economic and other financial factors might impact your personal financial security, we are going to be a bit self-centered today and let you […]
by Peter Twitchell Our friends are irreplaceable! As an Elder I feel this more and more as people move on to the spirit world. Most of my friends and I shared common interests like music, […]
by Dave Kutcher Our clients at Frontier Retirement are almost exclusively from the 55 + age demographic. That makes sense since our concentration of services is in retirement planning. Financial goals and objectives are different […]
by Tad Lindley I was discussing Guilty in the Courts Part I with my friends, and they sowed the seeds of this thought: we were guilty long before law enforcement officers ever caught up with us. […]
by Peter Twitchell The year was 2010, December 25 when I cried my eyes out in my little house on Watson’s Corner. I thought about this, in my 50 years back then, that I had […]
by Frank Keim The Rock sandpiper is a tough shorebird. Not only does it nest in the Arctic on Alaska’s Bering Sea coasts and islands as far north as the Seward Peninsula, but it also […]
by Tad Lindley You’ve got to come into this thing skeptically. There are so many different viewpoints and so many people preaching human traditions as if they were the word of God, that we must […]
by Tad Lincoln Her name was Helen Bautista, a true friend to the mentally disabled and the high school kids in Bethel from 1967 to 1970. Mom Bautista gave us high school kids the back […]
by Frank Keim The Say’s phoebe is one of the friendliest birds I’ve ever met, especially when mosquitoes are buzzing around your face. With their gentle facial expression, they show no fear as they hover […]
by Tad Lindley For many years this was always the second page in the Delta Discovery that I turned to. What do you think the first page was? My friend, Raymond, and I were talking […]
by Dave Kutcher We see it all the time- following periods of uncertainty in the investment markets things seem to have turned favorable again and sighs of relief can be heard across the land. We […]
by Peter Twitchell When I was in my late 20s, I always looked forward to hunting with my late first cousins, Joe Woods Jr. and Manny Joe Evon. We hunted moose every fall. One moose […]
by Tad Lindley (For younger readers, before mP3s and CDs, we had records. Records looked like large CDs. You could put them on a record player and spin it backwards with your hands and hear […]
by Peter Twitchell I remember as a boy in the 1950s Independence Day Fourth of July celebrations in Bethel were spectacular and always fun to attend, they were a lot of games and a lot of […]
by Tad Lindley Not counting funerals or weddings, what is the longest church service you have ever been to? We usually run about 90 minutes to 2 hours where I go to church. Then people […]
by Frank Keim There is no mistaking Pectoral sandpipers, especially when you hear them courting on their nesting ground in spring. The males are equipped with an inflatable throat sac that allows them to produce […]
by Peter Twitchell Today is a brand new day and we have a lot to be thankful for when I think about it. I thank The Almighty Creator God for helping our scientists in the […]
by Tad Lindley Remember in the Bible when Peter got out of the boat and began to walk on the water? (Matthew 14:22-36) Remember when Jesus fed the 5,000 men plus women and children with […]
by Dave Kutcher Happy Father’s Day! How do you define wealth? How people define wealth for themselves as opposed to how they define it for others is not at all the same. A Charles Schwab […]
by Peter Twitchell Today is my day, “Father’s Day.” June 18, in the year of our Lord and Father in Heaven, 2023. As a dad I am reminded of the day and year of my […]
by Dave Kutcher E verywhere we look, we see evidence of an increased lack of confidence that folks have in terms of their retirement options. Overwhelmingly, when we dig in the weeds as to why […]
by Peter Twitchell When we’re out in the wilderness camping, hunting, berry picking let’s all take extra precautions to avoid having a wildfire. It’s summer and it gets hot and dry grass and the trees […]
by Dave Kutcher We get it. The financial world around you seems to be in chaos. Inflation is still rampant, the investment markets seem as volatile as ever, news of bank failures, interest rates keep […]
by Tad Lindley We’ve probably all heard the song Jesus Paid It All. You know, the one that goes, Jesus paid it all, all to Him I owe, sin had left a crimson stain, he […]
by Peter Twitchell Kids like me grew up in Bethel Alaska – a quiet little town. Throughout the 1950’s we observed many local activities going on around our community. We knew nothing about television or […]
by Tad Lindley This past Sunday marked the Jewish celebration of Shavuot, or the Feast of Weeks. The Greek name for the Feast of Weeks is Pentecost, which means “fiftieth”. You see, the Pentecost occurs […]
by Peter Twitchell A friend and I saw a man sitting on the ground at the corner of a drive-through in what it looked like a prayer position. People often sit at that location with their […]
by Tad Lindley A 6 hour church service! Imagine a church service that started at 6:00 AM and lasted until noon. The service started with prayer and worship, and then for the next five hours, […]
by Peter Twitchell I believe as a Yupiaq Tribe we really need to start working together to get health aides in all of our villages on the coast, Kuskokwim river, in the Yukon River villages. […]
by Tad Lindley There are some advances in technology I thank God for. The chainsaw sure saves a lot of sweat and time. The outboard motor sure beats rowing. The telephone is much better than […]
by Frank Keim With its drab olive-green color and white wing bars, the Alder flycatcher seems like an unremarkable bird. It sits almost all day long on high perches in open wet thickets of alder […]
by Peter Twitchell I’ve never said publicly how proud I am of my two sons David and Danny and my daughters Saranne and Suzi and all their accomplishments at their young ages. They have worked […]
by Dave Kutcher So, 50/50 chance of winning sounds like a pretty good opportunity to win a prize. Let’s face it, grabbing a few pull-tabs on your way home from work can be fun and […]
by Dave Kutcher This has been an overriding motto for me for three decades. Helping pre and post retirees keep their principal safe without giving up the opportunity for market-like returns, all while maintaining control […]
by Tad Lindley I was participating in a training session required for all teachers in Alaska. The training was based on a medical condition, and near the end of the training, they dropped this bomb: […]
by Peter Twitchell In my boyhood back in the 1950s I was very fortunate to hear the stories of the ancient Yupiat of long ago from hundreds of years ago. Mom and I lived at […]
by Tad Lindley You have heard of the mark of the beast, and perhaps you have heard the Antichrist referred to as The Beast, but did you know that there are actually two beasts in […]
by Peter Twitchell When I was a teenager through my 50s I didn’t know of physical pain. For one thing I was tireless and for 50 years I worked 3 to 4 jobs in a […]
by Tad Lindley Quick Yup’ik Lesson Skip this section if you can already speak Yup’ik, otherwise, stay with me. Ellam is a one-syllable word that rhymes with “thumb”. To pronounce ellam you must realize that […]
by Dave Kutcher One thing there is no shortage of in our business is client/customer surveys. Financial Services companies are always seeking to keep their thumb on the pulse of the public in terms of […]
by Peter Twitchell It is a fact and unfortunate set of circumstances that the older we get we lose our loved ones to old age and our friends that we grew up with to sickness […]
by Tad Lindley Now that it’s just us men, let me tell you the reason I titled this For Husband Only. I know that if your wife reads this, she is liable to say, “Brother […]
by Dave Kutcher While many celebrated Easter 2 weekends ago, this past weekend was Easter for almost all who follow Eastern Orthodox theology, which follows the Julian calendar rather than Gregorian calendar. Easter might be […]
by Frank Keim With a sandpiper called Surfbird, you’re probably wondering why the name, especially since it only nests in mountain habitats. This is because during the non-nesting season, almost nine months a year, it […]
by Peter Twitchell Life as we all know is stressful even at home. We could be without a job but helping family anyway, we can be doing things for family who come first in our […]
by Tad Lindley If you are an avid Bible reader you probably already know that the word mystery appears in the Bible 27 times. You probably also know that the record holder is the Book […]
by Dave Kutcher Having been in the business of working with folks at or near retirement for the past 35 + years, we often find people working on their “estate” planning. In general terms, working […]
by Peter Twitchell Our grandma Hannah Pitka used to tell us kids when we were about seven years old on up, and this included me and my first cousin Joe Woods Jr., not to get […]
by Dave Kutcher Did you know that Medicare is not designed to pay for Long Term Care expenses? Other than some minor costs during the first 100 days that you might need care, Medicare does […]
by Peter Twitchell This is a question I ask Moose Hunters: Have you ever butchered a moose with a pocket knife with a blade no longer than 2 inches? WHAT? The response I usually get. […]
by Tad Lindley God had struck Egypt with 9 plagues: blood, frogs, lice, flies, beef, boils, hail, locusts, and darkness. After each plague, Pharaoh (the name for the Egyptian king), refused to let Moses and […]
by Dave Kutcher It is quite often that when we meet people for the first time they have already retired and are seeking alternatives for their employer sponsored retirement plan assets. Some of you reading […]
by Peter Twitchell Our lives from childhood to adolescence have depended largely on our parents, and other mature adults including our beloved Elders and our teachers who were there for us sixteen years of their […]
by Tad Lindley Many years ago, about 3,200 years or so, the Hebrew people were slaves in Egypt. They had entered Egypt as unusual heroes 400 years before that, but as their population grew and […]
by Dave Kutcher Well, if you have been following us here each week, you’ve heard us discuss safe distribution guidelines before. For years the industry accepted rule was not to exceed 4% of your retirement […]
by Dave Kutcher We’ve all heard this statement before, haven’t we? The underlying notion is it doesn’t matter what you earn on your money, or how much money you earn … it matters how much […]
by Peter Twitchell The television networks, have been showing law judges trying cases on television that millions of people watch each day. Judges on television hear cases every day about personal injuries, and other legal […]
by Dave Kutcher You are driving into the darkness, no streetlights, the snow is swirling in the heavy winds and you can barely see ten feet in front of you. Your knuckles are white as […]
by Peter Twitchell As I advance in elderhood I look at the world with open eyes savoring each moment and everything has greater meaning for me. One such event is the 1000 mile longest sled […]
by Tad Lindley There I will give her back her vineyards, and will make the Valley of Achor a door of hope. (Hosea 2:15) Achan gets greedy… The Book of Joshua records the story of […]
by Dave Kutcher You’ve heard us talk about ways to mitigate market volatility and how zero can be your hero at retirement when devising a distribution strategy that will give you the best probability of […]
by Peter Twitchell I saw a newscast just the other day on KTUU Channel 2 Anchorage where my relative Mr. Michael Williams of Akiak testified that he had caught two (2) Chum Salmon last summer […]
by Tad Lindley Conversations like this have been happening for the last 2,000 years now: “Dude, I just scored a few grams, come over and we’ll smoke some bowls and play PubG!” “Nope on the […]
by Dave Kutcher More and more folks are coming to see us with the idea of moving their money to cash because they are looking for a safe harbor. We get it. It is hard […]
by Peter Twitchell In my life I am fortunate to reflect back and look into the mirror to witness gospel songs, country and western songs, rock songs, and songs of my own composing and all […]
by Tad Lindley Oftentimes the truth is stranger than fiction, and this case is no different. The man had been blind from birth and to make a long story shorter, Jesus spat on the ground […]
by Dave Kutcher It is Super Bowl Sunday and I am sitting at my desk considering topics for this week’s article to share with you all. In the spirit of today’s game, I thought I […]
by Peter Twitchell I had an amazing dream that I was at my fishcamp across from Bethel and the whole Kuskokwim River went completely dry – the entire Kuskokwim a river emptied itself dry just […]
by Dr. Lorin Bradbury Question: My husband sits and broods or pouts in the dark—the darker the better. He has no trouble sleeping. He either wants to sleep all the time or just sit in […]
by Tad Lindley My favorite spot of all the places I’ve ever camped is the North Spit at Goodnews Bay. When we used to commercial fish there, we camped where the Tunt guys camp. They […]
by Betty Pete My name is Betty Pete from Bethel. My husband was Fred Pete Sr. He passed away September 10, 2005. Age 71. My husband was supposed to write how Bethel Search and Rescue […]
by Dave Kutcher The market was quite a ride in 2022. Even folks that manage their investments in what is a traditional mix of stocks (equity) and bonds (debt) likely found themselves with one of […]
by Peter Twitchell Alaskan Native Elders Group of which I am a member meets every month at the Native Valley Clinic upstairs second floor and you’re always invited to join us for lunch and discuss […]
by Tad Lindley If you are an avid Bible reader you probably already know that the word mystery appears in the Bible 27 times. You probably also know that the record holder is the Book […]
by Frank Keim When you see this large sandpiper up close, you’ve got to marvel at nature’s creative ingenuity. With their slender stilt-like legs and long slightly upturned bills, they are truly graceful shorebirds. Their […]
by Dr. Lorin Bradbury Question: Do women need more sleep than men? Answer: Though ideas have changed through the years as to exactly how much sleep is required to function efficiently, most sleep researchers agree […]
by Dave Kutcher As we continue to meet with new people here in Eagle River and pursue conversations surrounding retirement plan goals and objectives, many folks we speak to say they may continue to work […]
by Peter Twitchell Looking back to my youth I remember my Dad making a snow angel on the ice at the sandbar above our fish camp and property across the river from Bethel. It was […]
by Tad Lindley I was fairly new in the land of the Yup’ik people, and I didn’t want to be a bad guest, but my body was covered with sweat and I was thirsty. “You […]
by Dave Kutcher In Defined Contribution plans, the IRS sets limits on the maximum amount that can be contributed each year. In Defined Benefit plans, there are rules governing the resulting income benefits – or […]
by Peter Twitchell When I was a boy of 12 years old I became aware of Chief Edward Hoffman. And whenever I ran into Edward Hoffman outside Northern Commercial Company store or the Alaska Commercial […]
by Tad Lindley I have been running this column every year about this time in hopes that someone my read it and live to tell about it. It would seem like with the days getting […]
by Dave Kutcher Trying to figure out how much money you can withdraw each year from your retirement plan investments is a difficult task. There are so many external factors that impact this decision, it […]
by Peter Twitchell I was so busy being an adult not a Kidult. I haven’t been making paper airplanes anymore for the last 50 years. The last time I made a paper airplane was when […]
by Tad Lindley Skip ahead if you already know this, but for those that don’t know it, I will start here. About 2,025 years ago God was manifested in the flesh (I Timothy 3:16). In […]
by Dave Kutcher As people near their retirement age, balancing financial risk in an ever-changing environment can seem like a daunting task. Most people have been relegated to self-funding the majority of their retirement in […]
by Millie Bentley Greetings. Happy New Year. I hope you had a wonderful holiday with family and friends. One of my favorite meals is a simple salad made by Diana Gamez. It’s a meal in […]
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