ACP in the News

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ACP Member Thomas Cook featured in Comparison Advisor on brokerage accounts

posted 3 days ago
ACP Certified Member Thomas Cook was quoted in Comparison Adviser in an article titled 'What Is a Brokerage Account?', discussing how brokerage accounts work, where brokerage accounts fit into a financial plan, and more: "They are one of the most underrated investment accounts because they offer the most flexibility regarding when and what money investors can use." https://comparisonadviser.com/ investing/what-is-a-brokerage- account/

ACP Member Ken Robinson writes article for Retirement Daily on TheStreet on how to stop overspending with credit cards

posted 10 days ago
ACP Certified Member Ken Robinson wrote this bylined article for Retirement Daily on TheStreet titled 'Beyond Budgeting: The Psychological Trick to Stop Overspending with Credit Cards', where he talks about how paying your balance daily or weekly can curb spending and free you from debt: "As our economy has become increasingly cashless, it’s naturally become easier to spend more automatically and less intentionally. Is it possible to make ourselves think about spending, like when we used dollar bills?" https://www.thestreet.com/ retirement-daily/your-money/ beyond-budgeting-the- psychological-trick-to-stop- overspending-with-credit-cards

ACP Member Ken Robinson featured in CNN on asset class investment ideas for 2024

posted 29 days ago
ACP Certified Member Ken Robinson was quoted in CNN Underscored in an article titled '8 asset class investment ideas for 2024', noting that one of the best investments, especially for someone who is a ways away from retirement, is in yourself: "The best investment for someone who is some time away from retirement could well be to focus on enhancing their ability to earn a living. Increasing your value to your employer is something you have at least some control over.” https://www.cnn.com/cnn- underscored/money/best-assets- to-invest-in

ACP Member Keith Spencer quoted in Yahoo! Finance on reasons to do a Roth conversion early in retirement

posted 06-14-2024
ACP Certified Member Keith Spencer was quoted in Yahoo! Finance in an article titled '5 Reasons To Consider a Roth IRA Conversion Early in Retirement', discussing tax planning, RMDs, and more: "Generally speaking, the primary reason to do a Roth conversion would be if you suspect your current income tax rate will be lower than your future tax rate." https://finance.yahoo.com/ news/5-reasons-consider-roth- ira-125708375.html

ACP Member Keith Spencer quoted in Comparison Adviser on reasons to do a Roth conversion early in retirement

posted 06-11-2024
ACP Certified Member Keith Spencer was quoted in Yahoo! Finance in an article titled '5 Reasons To Consider a Roth IRA Conversion Early in Retirement', discussing tax planning, RMDs, and more: "Generally speaking, the primary reason to do a Roth conversion would be if you suspect your current income tax rate will be lower than your future tax rate." https://finance.yahoo.com/ news/5-reasons-consider-roth- ira-125708375.html

ACP Member Ken Robinson featured in MarketWatch on how to manage rental real estate

posted 06-11-2024
ACP Certified Member Ken Robinson was quoted in MarketWatch in an article titled 'I’m 71 and own rental homes in California worth millions. But my wife and I recently moved to North Carolina and want a ‘simpler life.’ Who can help us?'. Ken provides tips and options on selling the properties, insights on capital gains taxes, and more. https://www.marketwatch.com/ picks/im-71-and-own-rental- homes-in-california-worth- millions-but-my-wife-and-i- recently-moved-to-north- carolina-and-want-a-simpler- life-who-can-help-us-2ec3ff22

ACP Member Ken Robinson quoted in MarketWatch on loud budgeting

posted 06-11-2024
ACP Certified Member Ken Robinson was quoted in MarketWatch in an article titled 'If you aren’t ‘loud budgeting,’ are you even budgeting right? TikTok has thoughts — but so do money pros'. Ken notes: "The idea of loud budgeting emphasizes the importance of spending with intention, which is the opposite of mindless spending. To me, that’s where the value is." https://www.marketwatch.com/ picks/if-you-arent-loud- budgeting-are-you-even- budgeting-right-tiktok-has- thoughts-but-so-do-money-pros- 074bc6ac

ACP Member Ken Robinson featured in MarketWatch on how financial advisors charge fees

posted 06-11-2024
ACP Certified Member Ken Robinson was quoted in MarketWatch in an article titled 'Are you still paying 1% to your financial adviser?'. Ken notes that while a 1% fee may be common, that many advisors are scaling down. However, he also points out that if the 1% fee gets you a lot of great services, that it can be highly worth it. https://www.marketwatch.com/ picks/are-you-still-paying-1- to-your-financial-adviser- heres-what-might-make-a-lot- more-sense-and-save-you-tens- of-thousands-of-dollars- 01659470645

ACP Member Keith Spencer quoted in Comparison Adviser on selling your home in retirement

posted 06-11-2024
ACP Certified Member Keith Spencer was quoted in Comparison Adviser in an article titled 'Should You Sell Your Home in Retirement?', discussing pros and cons of selling your home after retiring. Keith notes how your home can offer excellent protection from the effects of inflation, plus how a favorable mortgage can be much better for your retirement budget than paying expensive rent prices. https://comparisonadviser.com/ news-and-studies/selling-your- home-in-retirement/

ACP Member Keith Spencer quoted in Comparison Adviser on short-term investments

posted 06-05-2024
ACP Certified Member Keith Spencer was quoted in Comparison Adviser in an article titled 'Short-Term Investments: What to Know', discussing reasons and benefits of investing in short-term securities, which can provide safety while still allowing the money to be put to work in the meantime. https://comparisonadviser.com/ investing/short-term- investments/

ACP Member Elizabeth Buffardi featured in GOBankingRates on unexpected expenses for retirees

posted 05-31-2024
ACP Certified Member Elizabeth Buffardi was quoted in GOBankingRates in an article titled 'I Just Retired: Here Are the Unexpected Expenses I Wish I’d Prepared For', highlighting child care expenses and financial advisor fees. She also discusses the importance of considering lifestyle expectations when planning for retirement expenses. https://www.gobankingrates. com/retirement/planning/i- just-retired-unexpected- expenses-wish-prepared-for/

ACP Member Keith Spencer quoted in ConsumerAffairs on where to park extra cash

posted 05-31-2024
ACP Certified Member Keith Spencer was quoted in ConsumerAffairs in an article titled 'Financial experts suggest where to park your extra cash', discussing where to store extra funds if you're going to need them within a year. https://www.consumeraffairs. com/news/financial-experts- suggest-where-to-park-your- extra-cash-050724.html

ACP Member Elizabeth Buffardi featured in ComparisonAdviser on required minimum distributions

posted 04-26-2024
ACP Certified Member Elizabeth Buffardi was quoted in ComparisonAdviser in an article titled 'Required Minimum Distributions: What to Know', discussing the impact on retirement planning, as well as Roth conversions as another strategy to take advantage of. https://comparisonadviser.com/ retirement/required-minimum- distributions/

ACP Member Ken Robinson featured in Financial Advisor Magazine on retirement budgeting

posted 04-24-2024
ACP Certified Member Ken Robinson was quoted in Financial Advisor Magazine in an article titled 'Tricks And Methods Advisors Use To Create Realistic Retirement Budgets', suggesting that it may be more prudent to look at expenses annually rather than monthly: “No one spends the exact same amount every month. Everyone should take into account the circumstances that make their retirement unique.” https://www.fa-mag.com/news/ retirement-budgeting-77814. html

ACP Member Ken Robinson featured in MarketWatch on rising property taxes

posted 04-16-2024
ACP Certified Member Ken Robinson was quoted in MarketWatch in an article titled '‘Should I live under a bridge?’ I get $5,600 a month in Social Security retirement income, but my property taxes will soon be $20,000. Who can help?'. Ken weighs in on possible solutions, suggesting a reverse mortgage as a potential solution, and also addresses if they are a good candidate to work with a financial advisor. https://www.marketwatch.com/ amp/picks/should-i-live-under- a-bridge-i-get-5-600-a-month- in-social-security-retirement- income-but-my-property-taxes- will-soon-be-20-000-who-can- help-92dee1d9

ACP Member John Scherer featured on The Efficient Advisor Podcast

posted 04-08-2024
ACP Certified Member John Scherer was featured on The Efficient Advisor Podcast in an episode titled 'How this advisor deepened his relationships and impacted clients', discussing an interesting value-add experience he offered to his clients: the Legacy Letter. The goal of the virtual event was to help his clients create a lasting legacy beyond finances for their children. John gives all the details of his letter-writing event and shares how this tool not only deepened family bonds for his clients, but also redefined the advisor-client relationship. https://open.spotify.com/ episode/6kQvRq0vcGFZUU7jCHq59p

ACP Member Ken Robinson featured in GOBankingRates on where your money goes when stock prices drop

posted 04-08-2024
ACP Certified Member Ken Robinson was quoted in GOBankingRates in an article titled 'When Stock Prices Drop, Where Does Your Money Go?'. Ken says that one way to think about how the stock market works is to imagine a stamp collector: They’re not really trading or holding money anymore, they’re holding an investment that may alter in value. https://www.gobankingrates. com/investing/stocks/when- stock-prices-drop-where-does- your-money-go/

ACP Member Ken Robinson featured in MarketWatch on where to get smart financial advice

posted 04-08-2024
ACP Certified Member Ken Robinson was quoted in MarketWatch in an article titled 'We are in our mid-50s earning $225,000 a year with $1.9 million in investments and life insurance. But now what?'. Ken assesses this couple's financial situation, provides insight on where to get smart financial advice, and shares how there are significant tax-savings opportunities from having the right kinds of investments in the right kinds of accounts. https://www.marketwatch.com/ amp/picks/we-are-in-our-mid- 50s-earning-225-000-a-year- with-1-9-million-in- investments-annuities-and- life-insurance-but-now-what- 974e7244

ACP Member Keith Spencer quoted in U.S. News & World Report on if high-risk investments are worth it

posted 04-04-2024
ACP Certified Member Keith Spencer was quoted in a U.S. News & World Report article titled 'Are High-Risk Investments Worth the Stretch?', discussing his firm's approach to working with clients that want to pursue high-risk investments, utilizing fun money or 'play money' as a small percentage of the overall portfolio. https://money.usnews.com/ financial-advisors/articles/ are-high-risk-investments- worth-the-stretch

ACP Member Keith Spencer quoted in GOBankingRates on questions to ask a retirement planner

posted 04-04-2024
ACP Certified Member Keith Spencer was quoted in GOBankingRates in an article titled '14 Questions To Ask a Retirement Planner at Your First Consultation': "You will want to work with an advisor who helps other people who are in, or are approaching, retirement like you." https://www.gobankingrates. com/retirement/planning/ questions-to-ask-retirement- planner-at-your-first- consultation/

ACP Member Elizabeth Buffardi featured in CNBC on surprise sources of income that could cost you during tax season

posted 04-01-2024
ACP Certified Member Elizabeth Buffardi was quoted in CNBC in an article titled 'These surprise sources of income could cost you during tax season', providing tips for income sources you should make sure to report in order to avoid tax penalties. https://www.cnbc.com/2024/02/ 28/these-surprise-sources-of- income-could-cost-you-during- tax-season.html

ACP Member Susan Einberger featured in GOBankingRates on ways the upper middle class can use taxes to build wealth

posted 04-01-2024
ACP Certified Member Susan Einberger was quoted in GOBankingRates in an article titled '8 Ways the Upper Middle Class Can Use Their Taxes To Get Rich in 2024', where she shares how taking advantage of the Child Tax Credit and a 529 Plan helps to build wealth and save for children's college expenses. https://www.gobankingrates. com/money/wealth/ways-upper- middle-class-use-their-taxes- to-get-rich/

ACP Members Steve Martin and Susan Einberger featured in GOBankingRates on how trying to appear rich prevents you from getting rich

posted 03-20-2024
ACP Certified Members Steve Martin and Susan Einberger were both featured in GOBankingRates in an article titled '4 Ways Trying To Appear Rich Stops Millennials From Getting Rich', where they explain how trying to appear wealthy actually prevents you from building wealth and offer tips on how millennials can build wealth for the long term. https://www.gobankingrates. com/money/wealth/trying-to- appear-rich-stops-millennials- from-getting-rich/

ACP Mentioned in Los Angeles Times on Finding Fiduciary Advisors

posted 03-13-2024
ACP was mentioned in Liz Weston's column in the Los Angeles Times, in a section titled 'Finding a fiduciary advisor'. ACP was mentioned alongside NAPFA, XYPN, and Garrett Planning Network as good organizations and resources to find planners who are fee only and adhere to the fiduciary standard https://www.latimes.com/ business/story/2024-03-10/how- to-reduce-the-tax-penalty- from-an-ira-distribution-goof

ACP Members Rorik Larson and Susan Einberger featured in GOBankingRates on retirement tax surprises to prepare for

posted 03-04-2024
ACP Certified Members Rorik Larson and Susan Einberger were both featured in GOBankingRates in an article titled 'Here Are 5 Retirement Tax Surprises You Must Prepare For', where they offer tips to prepare for hidden (or not-so-hidden) tax-related surprises that might be in store for retirees. https://www.gobankingrates. com/taxes/tax-laws/accountant- retirement-tax-surprises-you- must-prepare-for/