by grapheneadvisors | Apr 8, 2015 | Income
It used to be simple to figure out how much money to withdraw from your retirement savings each year. With the so-called 4% rule, you could cash out that percentage each year, with a little extra for inflation, and be fairly confident your money would last about 30...
by grapheneadvisors | Mar 11, 2015 | Retirement
President Obama recently unveiled his proposed budget for 2015 and it isn’t pretty for those of us with retirement accounts. The president’s plan would limit the tax benefits for many 401(k) and IRA holders. It would also place a cap on the amount that...
by grapheneadvisors | Feb 18, 2015 | Income
In today’s interest-rate environment, it can be challenging to find investments that generate predictable income with competitive yield. One option that has worked well for many of our clients is investing in structured cash flows. Structured cash flows can...
by grapheneadvisors | Jan 28, 2015 | Opportunity
Life isn’t static: Our goals change, our circumstances change, and our viewpoints change. That’s why it’s important to make sure you don’t have an old, static financial plan. The beginning of a new year is a perfect time to review your plan, or...
by grapheneadvisors | Dec 20, 2014 | Tax
The end of the year is a time for celebration and reflection—but it’s also prime time for tax planning. By accelerating or deferring income and expenses, and by taking advantage of expiring tax provisions, you can have a significant impact on your wealth...
