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"The future depends on what we do in the present." ~ Mahatma Gandhi

Financial Planning Articles

RMD Series | Which Retirement Savings Vehicles Are Subject to the RMD Rules | Planning Insights

In addition to traditional IRAs, simplified employee pension (SEP) IRAs and SIMPLE IRAs are subject to the RMD rules. Roth IRAs, however, are not subject to these rules while you are alive. Although you are not required to take any distributions from your Roth IRAs during your lifetime, your beneficiary will generally be required to take distributions from the Roth IRA after your death.

RMD Series | What Are Required Minimum Distributions | Planning Insights

Required minimum distributions, often referred to as RMDs or minimum required distributions, are amounts that the federal government requires you to withdraw annually from traditional IRAs and employer-sponsored retirement plans after you reach age 70½ (or, in some cases, after you retire).

Financial Thoughts for International Women’s Day | Planning Insights

Every March 8, we reflect on the financial progress women have made (and still need to make). #BeBoldForChange

March 8 is International Women’s Day, a day to celebrate the social and economic progress and cultural achievements of women worldwide.

Mind Over Money | Planning Insights

Emotion often drives our financial decisions, even when logic should.

Protecting Your Loved Ones with Life Insurance | Planning Insights

Life insurance can be very complicated.  How much do I need?  What are the differences between term and whole life?  Do I have the appropriate kind to meet my needs?  Download Protecting Your Loved Ones with Life Insurance for help

Updating Your Estate Plan | Planning Insights

When should you review it? What should you review?   

How Millennials Can Get Off to a Good Financial Start | Planning Insights

thumb_ID-100100233.jpg  Doing the right things at the right time may leave you wealthier later.

Finally I Can Start Receiving Social Security Benefits | Planning Insights

Although reaching retirement age certainly allows you to receive Social Security benefits, but should you? How do you know when the right time will be for you? As with anything, for each person that answer is different. Your financial planner can help you make that decision. Contact Roselyn, she will be happy to review your goals to help you make an informed choice.

Building a College Fund | Planning Insights

Building a College Fund

According to Sallie Mae, U.S. families with one or more college students spent an average of $24,164 on tuition, housing, and linked expenses in 2015. That was 16% more than in 2014.1

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Securities and investment advisory services offered through Berthel Fisher & Company Financial Services, Inc. (BFCFS) Member FINRA/SIPC. MD&A Financial Management and BFCFS are independent entities.

The ‘Five Star Award’ is presented to 7% of wealth managers with five years or more of experience in the financial services industry.  The final list identifies the wealth managers evaluated in a local market that score highest in client satisfaction.  Each wealth manager was reviewed for regulatory actions, civil judicial actions, and customer complaints.  Details of the award can be viewed at  Third-party rankings and recognitions from rating services or publications are no guarantee of future investment success.  Working with a highly rated advisor does not ensure that a client or prospective client will experience a higher level of performance or result.  These ratings should not be construed as an endorsement of the advisor by any client, nor are they representative of any one client’s evaluation.

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Licensed to sell insurance products in the following states of: PA.

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