RAS

Retirement & Advisory Services Blog

Do you love reading about personal finance as much as we do? Whether you’re new to staying on top of your finances or need some fresh inspiration to grow your wealth, you have come to the right place.

TEG Retirement & Advisory Services- Why The First Five Days Of 2020 Could Have Bulls Smiling

A bull

The first five days of 2020 are in the books. Although the headlines have been quite scary, equities...

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TEG Retirement & Advisory Services- What You Need to Know About the Secure Act

Jean secure

The Setting Every Community Up for Retirement Enhancement Act of 2019 – the SECURE Act – passed the...

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TEG Retirement & Advisory Services- Annuity Options: Choices Abound for Today’s Retiree

Annuity Options

As the earliest baby boomers begin to enter retirement, the various income guarantees and other living benefits offered...

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TEG Retirement & Advisory Services- Manage Risk in Your Portfolio

Portfolio Risk

To most people, "risk" evokes negative images -- driving faster than the speed limit, placing bets on "a...

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TEG Retirement & Advisory Services- Is the Roth 401(k) an Option for You?

Roth 401k

Since it first became available in 2006, many employers have added the Roth 401(k) to their benefit packages...

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TEG Retirement & Advisory Services- Reducing Risk with Diversification

Reducing Risk

Diversification is a basic concept that's critical to building a portfolio able to withstand the test of time....

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TEG Retirement & Advisory Services – Working With a Financial Advisor

Financial Advisor

The world of 50 years ago was a lot different than it is today. An individual often worked...

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TEG Retirement & Advisory Services- Outlook 2020

Outlook 2020

Hindsight is 20/20, but finding clarity in future uncertainty can be fuzzy. AT LPL RESEARCH, as we look...

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TEG Retirement & Advisory Services- Am I Having Enough Withheld?

RAS Withheld

If you fail to estimate your federal income tax withholding properly, it may cost you in a variety...

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TEG Retirement & Advisory Services- Tax Benefits of Making a QCD

Benefits of a QCD

At the end of 2015, Congress permanently extended the rule allowing taxpayers to exclude from taxable income certain...

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TEG Retirement & Advisory Services- Retirement Plan Rollover Options for Non-Spouse Beneficiaries

Rollover Options

If you participate in an employer-sponsored qualified retirement plan, such as a defined benefit plan, 401(k) plan, employee...

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TEG Retirement & Advisory Services- Helpful Tax Tips before Year End

Tax Tips

Tax planning can be more advantageous when done during the year and well in advance of year’s end....

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TEG Retirement & Advisory Services: Putting The Bull In Perspective

Bull in Perspective

The S&P 500 Index has closed higher five consecutive weeks, making six new all-time highs along the way....

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TEG Retirement & Advisory Services- Bulls Stay in Motion

Bull Stay in Motion

“An object in motion tends to remain in motion along a straight line unless acted upon by an...

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TEG Retirement & Advisory Services – Building Health Care Costs into Retirement Planning

Building Health Care Costs into Retirement

Health care planning is a sensitive subject that often takes you and your advisor places you don’t want...

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TEG Retirement & Advisory Services- Will The Fed Go Three For Three?

Three for Three

The Federal Reserve Bank (Fed) is widely expected to cut interest rates on Wednesday, October 30, which would...

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TEG Retirement & Advisory Services- How to Get Tax Savings on Charitable Contributions After 2018

Tax Savings

Qualified charitable distributions from an IRA provide individuals over 70½ with a way to receive income tax savings...

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TEG Retirement & Advisory Services – The Charitable IRA Transfer

Charitable IRA Transfer

If you are age 70½ or older and charitably minded, you may wish to consider tapping your individual...

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TEG Retirement & Advisory Services – A Woman’s Guide to Health Care in Retirement

Health Care in Retirement

At any age, health care is a priority. But when you retire, you should probably focus more on...

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TEG Retirement & Advisory Services – Light at the End of the Brexit Tunnel

Light at the end of the Brexit Tunnel

The debate over the United Kingdom’s (U.K.) withdrawal from the European Union (EU), or Brexit, is reaching another...

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TEG Retirement & Advisory Services – Essential Tax Tips for IRAs

Essential Tax Tips

Woe to the taxpayer who runs afoul of the numerous and confusing IRA rules. There are forms to...

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TEGFCU Retirement & Advisory Services- Can The Economy Predict The Next President?

Economy predicting president

“The economy, stupid” — Phrase campaign strategist James Carville used to help Bill Clinton get elected in 1992....

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TEG Retirement & Advisory Services – The Sandwich Generation: Juggling Family Responsibilities

The Sandwhich Generation: Juggling Family Responsibilities

At a time when your career is reaching a peak and you are looking ahead to your own...

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TEG Retirement & Advisory Services – 10 Terms Every Investor Should Know

10 Terms Every Investor Should Know

If you're new to investing, you may encounter some unfamiliar jargon. Understanding the following terms may help you...

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TEG Retirement & Advisory Services – Cracking the Nest Egg: When Accumulation Becomes Distribution

Cracking the Nest Egg: When Accumulation Becomes Distribution

It’s a big transition when you leave the workforce to live off your savings, requiring an attitude adjustment...

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TEG Retirement & Advisory Services – Plan Ahead for the Holiday Budget Crunch

Plan ahead for the holiday budget crunch

Every year, millions of Americans celebrate the holidays with traditions such as throwing parties and buying gifts for...

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TEG Retirement & Advisory Services – Five Strategies for Tax-Efficient Investing

Five strategies for tax efficient investing

As just about every investor knows, it's not what your investments earn, but what they earn after taxes...

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TEG Retirement & Advisory Services – Is a Trade Deal Still Possible?

graphs

We’re a week into August, and trade tensions have been the biggest driver of U.S. stocks, as we...

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TEG Retirement & Advisory Services – U.S. Yields and a Rate Cut

graphs

It could be a momentous week for U.S. monetary policy and the Treasury yield curve. The Federal Reserve...

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TEG Retirement & Advisory Services – Five Things to Do Before Meeting With an Advisor

5 things to do before meeting with an advisor

Americans' financial lives are increasingly complex. It's not unusual to have checking and savings accounts, a 401(k), IRAs,...

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TEG Retirement & Advisory Services – Retirement Expectations vs. Reality

Retirement: expectations versus reality

[vc_row][vc_column][vc_column_text]You can’t always envision what will happen in your “second act.” Just as few weathercasters can accurately forecast...

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TEG Retirement & Advisory Services – Smart Financial Moves in Your 40s and 50s

smart financial moves in your 40's and 50's

These crucial years call for action. Today, retirement may seem nearer to you than it once did. The...

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TEG Retirement & Advisory Services – Staying on Track with Your Retirement Investments

Investing for your retirement isn't about getting rich quick. More often, it's about having a game plan that...

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TEG Retirement & Advisory Services – 529 Plans vs. Other College Savings Options

Graduates throwing their caps

529 plans can be a great way to save for college, but they're not the only way. When...

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Important Information

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC).

Insurance products are offered through LPL or its licensed affiliates.  Financial planning offered through LEXCO Wealth Management, Inc., a registered investment advisor and separate entity from LPL Financial.

TEG Federal Credit Union and TEG Retirement & Advisory Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using TEG Retirement & Advisory Services, and may also be employees of TEG Federal Credit Union.  These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, TEG Federal Credit Union or TEG Retirement & Advisory Services.  Securities and insurance offered through LPL or its affiliates.

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Our Retirement and Advisory Services Advisors are available to meet at our Commerce Street (Poughkeepsie) or Route 9 (Wappingers Falls) locations.

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