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Ready, Set, Go!

by Dave Kutcher You’re quickly approaching your retirement date … are you ready and set to go? We overwhelmingly see folks in their years just prior to retiring. It is who we market to and […]

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Guns or Butter

by Dave Kutcher In a speech from 1953, President Eisenhower specifically referred to this expression of “Guns or Butter”… “Every gun that is made, every warship launched, every rocket fired signifies, in the final sense, […]

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Home Equity Loans

by Dave Kutcher The question came across our desk recently as to how a home equity loan works. We will provide some guidance below and would like to add here that financing (debt) can be […]

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Tales from the Crypt

by Dave Kutcher Cryptocurrency; What is it, how does it work and how can you use it in your financial life. Cryptocurrency is a digital form of currency that is transferred between parties via the […]

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Required Minimum Distributions

by Dave Kutcher The Secure 2.0 Act of 2022 has caused some confusion for taxpayers in terms of their Required Minimum Distribution (RMD) rules. The new RMD age is 73. But hold on… if you […]

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There’s gold in them there hills

by Dave Kutcher So, you’ve decided to start saving money for your future. You’ve done your homework, and everything tells you that a well-diversified portfolio of various investments is a smart way to go about […]

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A time for thanks

by Dave Kutcher With the Thanksgiving holiday upon us and Christmas and New Year just ahead, we like to take this time of year to reflect and be thankful for all that we have been […]

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What’s your social status?

by Dave Kutcher Each October the US Social Security Administration announces annual changes to the program for the upcoming year. For 2023, those changes include a significant Cost of Living Adjustment, an increase in the […]

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Charging ahead…

by Dave Kutcher It seems so easy, doesn’t it? You walk into the store to buy something, step to the register and pull that credit card out without even thinking twice. While using a credit […]

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Honey, we need to talk

by Dave Kutcher How many times has your spouse uttered those words and you cringed as to what might be coming? Sometimes, though, we do just need to talk. In preparation of retirement, married couples […]

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Death and Taxes

by Dave Kutcher “Death and taxes” is a phrase commonly referencing a famous quotation written by American statesman, Benjamin Franklin, in his letter of 1789 to Jean-Baptiste Le Roy. Our new Constitution is now established […]

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Fear factor

by Dave Kutcher Whether we are working with folks in that pre-retirement window of age 50+ who are trying to ready themselves for the retirement road ahead or folks that have already pulled the retirement […]

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Live long and prosper

by Dave Kutcher Increased life expectancy seems a good thing, yes? We agree. However, with increased life expectancy come new challenges that can bring significant hardship to our loved ones. Putting aside the need to […]

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Living trusts

by Dave Kutcher Planning for your estate can seem a bit overwhelming. One of the most basic tools used in planning for the disposition of your estate at your death is called a “Living Trust”. […]

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Just trust me

by Dave Kutcher Last week we discussed a very specific planning tool (funeral trusts) for those who are on the cusp of qualifying for Medicaid and who are simultaneously looking for a way to be […]

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You asked, we answered

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 […]

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The calm before the storm

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 […]

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Surprise, surprise…

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 […]

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What’s in a name

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 […]

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I’ve got good news and bad news

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 […]

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This is no time for the weary

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 […]

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How do you define wealth

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 […]

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The wrong side of a 50/50 chance

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 […]

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“Safety, Growth and Control”

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 […]

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Never fear, the Captain is here

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 […]

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What’s in your Easter basket?

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 […]

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Where there is a Will there is a Way

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 […]

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Let’s get rolling

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 […]

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Where do I go from here

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 […]

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Checking the rear-view mirror

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 […]

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4th and long…

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 […]

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Cleaning the ten-year window…

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 […]

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Revaluating the 4% rule

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 […]

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What does risk look like to you?

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 […]

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Timing is everything

by Dave Kutcher Hi, my name is Dave Kutcher. I write articles pertaining to the functional areas of Retirement Planning. Let me tell you, there’s a lot to talk about when it comes to planning […]