Blog

Our blog can be an invaluable piece of your financial planning puzzle. It’s yet another way for us to share information and advice that will help you feel more confident. We’ll also announce our live events here.

“Does ‘Slow and Steady’ Always Win?”

“My husband and I are both 40, with great kids and great jobs. We have saved some money for retirement but disagree on how it should be invested. He keeps…... Read Article

Words Are Powerful Tools For American Freedom – September 2021

In recent months we’ve changed up the format of our radio a bit. I got emails telling me how bad a decision that really was. Over the past year or…... Read Article

Real Life Questions – Real World Answers – September 2021

“I missed part of last week’s show where you talked about investing in the stock market but not losing if it goes down.  I’m very nervous about my stock market…... Read Article

“Should We Get Out Now?”

“My wife and I have accumulated a substantial retirement fund. By our calculations, our monthly pension and SS payments will be more than enough to cover our expenses when I…... Read Article

“Is She Too Old For The Stock Market?”

“My aunt is 90 and has been a client of yours for at least 20 years. I recently retired and asked her about her experience with you. She said she’s…... Read Article

“Should I Work With My 3 Brothers?”

“I’m looking at the opportunity to do some house flipping in partnership with my 3 brothers. The money I need is in my IRA. I’m 42, I know I’ll have…... Read Article

“What Are Longevity Credits?”

“My wife recently attended an online webinar. One of the presenters talked about longevity credits. Can you help us understand what these are and how we get them?” Gene answers…... Read Article

Words of Powerful Tools For American Freedom – August 2021

Inspiration comes from many places.  I’m often inspired by my family and friends.  I have, from my earliest years, been inspired by the stories of great Americans of history.  I…... Read Article

“Are We Missing Something?”

“We have enough saved that we could move about half of our investments into a group of annuities and it would guaranteed income that, when combined with our Social Security,…... Read Article

Real Life Questions – Real World Answers – August 2021

“My financial advisor asked me who I want him to call if there’s ‘a problem.’  He wanted me to give him contact information and sign a paper saying it’s ok…... Read Article

Spiritual Wellness Spotlight

MtM Financial Advisor, Alyssa Young, wrote this column for publication in the August 2021 Holy Cross Lutheran Church newsletter. Learn How Helping Your Church Can Lower Your Income Taxes The…... Read Article

Words Are Powerful Tools For American Freedom – June/July 2021

Morgan Housel – has written a book, The Psychology of Money, that is one of the most insightful financial books I’ve read in many years.  He addresses many of the…... Read Article

Real Life Questions – Real World Answers – June/July 2021

“My broker wants me to invest my substantial CD in the market. Is this a wise move or should I renew it at the current low interest rate?” You need…... Read Article

LAMN 5K 2021

MtM Financial Group is proud to again sponsor Laughing At My Nightmare’s 2021 Virtual Run, Walk and Roll 5K this week. While there’s no in-person race this year, runners and…... Read Article

“Yes and Yes”

“I have plans of taking Social Security in October when I turn 70. However, because of everything going on in the world, I’m considering taking it right this minute. Is…... Read Article

“Reading Is A Dangerous Thing”

“I read somewhere that everyone entitled to Social Security has a lifetime cap on how many dollars they can receive. That being said – does it matter in the long…... Read Article

“How Do I Move From A 401(k) To An IRA?”

“I recently started a new job. My new company doesn’t have a 401(k). My old company and I didn’t part on very good terms. I’m not sure that they won’t…... Read Article

“Should I Just Put It Under The Mattress?”

“I’ve been hearing that bonds and bond mutual funds are in for a rough ride this year. I even heard it’s likely that bonds will be losing money – I…... Read Article

“How Do We Decide What’s Best?”

“My wife just retired. She’s looking at how to take her pension. The company offered her 4 different flavors. (1) She can get the maximum amount per month for her…... Read Article

“Do You Have The Magical Golden Piece Of Advice?”

This question comes from a fellow financial advisor: “I have a client that lives and has a business in Pennsylvania. 20 years ago, he bought a property in New Jersey…... Read Article

“$50,000 For 5 Stocks”

“If you had $50,000 to invest – what 5 stocks would you invest in and how quickly would you do it?” Gene answers your neighbors financial questions on More than…... Read Article

“When Can I Stop Paying Taxes?”

“When can a person stop paying taxes? My Mom is 91 and has an income of $1,700 SS. $700 pension and takes the minimum from her IRA of $25,000. A…... Read Article

“Should We Cash In Our Savings?”

“My wife and I sold our home and are buying a smaller one. We’re using the proceeds from the sale to almost pay for our new home.  We’re about $35,000…... Read Article

“This Is A Very Good Idea”

“My wife passed away in 2018 at age 56 and I am now 63. I read recently that I may be eligible for widowers social security benefits from her account.…... Read Article

“Does This Belong To My Granddaughter?”

“I set up a 529 plan for my granddaughter.  She is graduating in May and there will be about $19,000 left in the account.  Does it belong to her?  Is…... Read Article

Words Are Powerful Tools For American Freedom – April 2021

Building a successful business – is certainly a challenge.  But, it’s a challenge that can be made much more achievable if doing the work is fun. If one enjoys the…... Read Article

“After That – Gravy”

“I’m 67 years old and looking to retire in 3 years at age 70. I wanted you thoughts on refinancing our home. Our current mortgage is $836 per month @…... Read Article

Real Life Questions – Real World Answers – April 2021

“I have a 401(k) at work that’s not doing anything for me.  I don’t know what to do with it.  I would like to retire some day before I die.”…... Read Article

“Can I Have My Cake & Eat It Too?”

This year’s stock market roller coaster seems even worse than 2008.  It has my husband and I worried that we will need all of our savings to live and have…... Read Article

“Start Today”

“I’m at least 18 years from retirement. Should I be working with a financial advisor now or would they think it was a waste of their time until I get closer?”…... Read Article

“Should This Money Stay In The Bank?”

“I am 79 and widowed. Since I lost my husband six years ago I have been working with the financial advisor he picked for us when he was alive. I wasn’t sure…... Read Article

“This Puts A Smile On My Face”

“My husband and I invested a good sized chunk of our savings in two annuities in 2009. Both of these annuities have a benefit that pays us an income for as…... Read Article

“We Want Our IRAs To Go To Our Daughters”​

“My husband and I are retired and both age 77. We were both school teachers so we have our pensions and our social security. These cover our expenses and then some every…... Read Article

“Investments —> Annuities”

“My husband and I are 4 years from retirement and have saved diligently. When should we start thinking about moving our investments into annuities? Is it better to do it…... Read Article

“What If We Don’t Want To Leave A Legacy?”

“My wife is retired and I’m close to retiring in the next year. What advice would you have if our intention is not to leave a legacy? We have worked…... Read Article

“Am I Worrying For Nothing?”

“Last year I rolled a qualified annuity (IRA) into a new annuity that I thought had better features. Since the funds were rolled over, they’re not taxable, but I got…... Read Article

“3 Ways To Grow Your Business”

“You’ve previously talked on your show about the 3 ways someone can grow their business. Sadly, I can’t remember any of the 3… Now that I’m in my own business,…... Read Article

“Should We Take The $100,000 Mortgage?”

“My wife and I sold our home and we’re buying a smaller one. We’re using the proceeds from the sale to almost pay for our new home. We’re about short…... Read Article

“Is This Money ‘Earned Income’?”

“If I sell my home and I don’t purchase another – is the sale money earned income?” Gene answers your neighbors financial questions on More than Money. Send in your…... Read Article

MtM is Abloom!

The office is certainly abloom! It’s spring inside and out here at our MtM World Headquarters – A big thank you to our friends at the American Cancer Society for…... Read Article

Words are Powerful Tools for American Freedom – March 2021

Dale Carnegie – is one of the most recognized names in the world of self-development and accomplishment.  Carnegie lived through two World Wars, the Korean War, and the Great Depression. …... Read Article

“This Is Despicable”

“I have an annuity that was inside my wife’s IRA – she bought it almost 9 years ago. I’ve taken two RMD’s from the IRA. I got a letter from…... Read Article

Real Life Questions – Real World Answers – March 2021

“How is it that before the election lots of people said the stock market would crash if Biden got elected and now that he’s elected the stock market is going…... Read Article

“Is The IRS Going To Investigate Me??”

“I took a distribution from my IRA and had the money sent directly to my church. However, the 1099 I got from the IRA shows the entire amount. How do…... Read Article

Bitcoin, Cryptocurrency and Blockchain – March 2021

Bitcoin is one of the hottest topics among amateur investors and one of the least understood investments to both amateurs and professional investors alike.  Stories of investors turning thousands into…... Read Article

“Bank Says New CD Rate Is Less Than 1%”

“I have a big CD coming due. The bank says the new rate will be less than 1%. Bonds aren’t doing well at all. Does it make sense to put…... Read Article

“Should I Start My Own Business During A Pandemic?”

“We’ve lost a lot of businesses because of the pandemic… would now be a good time to start a new one? If so, what kind of business should I start?”…... Read Article

“Treat Your Money Like A 12-Year-Old With A $10 Allowance”

“My son is 12 – getting his first allowance of $10 a week. I remember you talking on your show about how kids should be trained to handle their money.…... Read Article

“$125,000 in Taxes?!”

“Our financial advisor wants us to move all of our 401(k) and 457 plans into Roth IRA’s. These investments are currently with another investment institution and are doing very well.…... Read Article

“How Do I Start Planning For Retirement?”

“What is the best way to start planning for retirement? I’m middle-aged with limited income to pay off debt while trying to return to college in order to get a…... Read Article

“What’s The Best Price For Everyone?”

“I’m looking to buy a business that recently shut down. The owner wants to sell everything (real estate, equipment, etc.) The location is good and the business had a great…... Read Article

“This Doesn’t Seem Fair…”

“My husband and I both work and we have 401(k) plans. We’ve each been putting $5,000 a year into our company’s plans. Our advisor told us the investment options for…... Read Article

“I Want To Gift All My Stock To My Family”

“I’m 75 and I’d like to know how to go about gifting stock. I’d like to take all of my stock and split it 6 ways among family members. Does…... Read Article

“My Parents Only Have A Will”

“My parents are in their 90’s. I know they have a will but I believe that’s all the planning they have done. What should my siblings and I do and…... Read Article

Words Are Powerful Tools for American Freedom – February 2021

Stuart Wilde, Paulo Coelho, and Deepak Chopra – are three outstanding examples of writers (teachers really in multiple media) who share teachings on how to live excellent lives.  Excellent lives…... Read Article

Radio Retirement Series – February 2021

If you are retired or wishing to retire someday – our ‘Radio Retirement Series’ is for you.  Our RRS is designed to cover as many of the major concerns of…... Read Article

Welcome, Alyssa Young – February 2021

We are very excited to welcome to our growing team of advisors and planners Alyssa Young.  Alyssa has been active in the world of investment and finance since her father…... Read Article

Real Life Questions – Real World Answers – February 2021

“My mother passed in July at age 99. I was my mom’s caregiver for the last eight years of her life.  I took her to all her appointments, paid the…... Read Article

“What’s The Best Way To Sell My Stock?”

“I’ve been investing in the stock of my (large & well-known) company for my entire 38-year career. I now have (literally) a ton of stock. It’s almost half of our…... Read Article

“Are These Questions YOUR Questions?”

“Would you please talk about how you determine what part of a persons investments should be in the stock market. Is it mostly a function of age? Could you also…... Read Article

“Do You Have Access?”

“Please remind your listeners & viewers to provide access of their online accounts to the executor of their will. My Mom passed away last year and was very organized about…... Read Article

“Don’t Count Out The Bank!”

“Our financial advisor recommends we invest half of our investments in the stock market and half in bonds. Should the advisor be counting the money we have in the bank…... Read Article

“What Should We Do With An Extra $400?”

“My wife and I both turned 40 last year. We bought a new house and I also got a new job. We have a 15-year mortgage at 3.5%. Each month…... Read Article

“Can I Collect My Ex-Husbands Social Security?”

“My ex-husband passed away in November. We were married for 29 years, divorced for 3, he was re-married. I’m 62, hoping to retire in the next year or two. A…... Read Article

“We Want To Support Our Newest Grandson”

“My husband and I are retired. We have 529 plans for all 6 of our grand-children. Our son was also blessed with a wonderful stepson who is getting ready to…... Read Article

“Filing A Final Return”​

Caller “Good morning, Gene. I have a question. My mother died last February and did not earn enough money to meet the threshold for the federal tax return. Do I…... Read Article

“What Can I Do To Help My Grandson?”

“My grandson is 25, has a good job, but a lot of student debt. He recently told me that if he stays on pace – he’ll be out of debt…... Read Article

“What Do I Do With The Money My Mom Left Me?”

“My mom passed away suddenly. She left me an IRA with almost $140,000. I’m 38 and don’t want to take the money until I retire. When I met with the…... Read Article

“I’m Pretty Darn Sharp”​

“I’m 81 years old and if I do say so myself – I’m pretty darn sharp. I’ve been watching how this virus shut down the jobs and after just a…... Read Article

“New Annuities?”

“I’ve been reading there are new annuities that operate like brokerage (investments) accounts. The advisor is paid a fee and the cost of the annuity is lower than most traditional…... Read Article

Words Are Powerful Tools for American Freedom – January 2021

Gene – is an amateur at the Scriptures. He’s a pilgrim on a spiritual journey – just like you.  He’s made a lot of mistakes.  He’s learned a lot along…... Read Article

Thank You from More than Money and The Children’s Home of Easton – January 2021

$187.000.00.  Thanks to your generosity The Children’s Home of Easton received more than $187,000 from our 2020 Radiothon.  MtM Financial and More than Money were honored to be the lead…... Read Article

More Free Ways to Explore More than Money – January 2021

As loyal readers of our newsletters (and loyal listeners to our radio shows or loyal viewers of our PBS39 and BRC-TV13 shows) well know we love to share great information…... Read Article

Super Important Tax Email – January 2021

If you’re a tax client of MtM you were sent (January 6th in case you need to go back and find it) our annual ‘Super Important Tax Email’.  This email…... Read Article

Happy (?) New Year! – January 2021

We start 2021 with hopes and prayers that it will be much better than 2020.  But in the absence of psychic (psychotic?) ability and with absolutely no assurance that we…... Read Article

“What If I Mess This Up?”

My husband passed in May.  He was 74.  I am 72. He had two IRAs.  One was the standard and one a Roth. He handled all the finances in our…... Read Article

“Will It Be The Same?

“My husband thinks we need one more year before we retire. He wants to draw that one year of income out of his 401(k) to pay our bills. He was…... Read Article

“Are We Missing Something?”

“We have enough money saved that we can move less than half into some annuities and it will give us all the income that we need when we add it…... Read Article

“Too Good To Be True?”

“I bought into a mutual fund almost 15 years ago when I got my first job right out of college. I’ve been adding a little bit to it each month…... Read Article

“Should A 27-Year-Old Invest In The Stock Market?”

“My son is 27, has a good job and saves his money. He wants to know if now is a good time to invest in the stock market.” Gene answers…... Read Article

“Many People Find This Surprising”​

Should I keep my will in my safety deposit box? Generally, no. Many people find this surprising. When the renter of a safety deposit box dies, the box is sealed and…... Read Article

“I Think She’s Brilliant”

“I’m 60, retired, single and my home is paid off. My pension covers my living expenses quite easily. My plan is to delay my social security until I turn 70…... Read Article

Thank You!

Thank you all for making MtM’s Drive-Thru Christmas Party SUCH a success! We’re so grateful to have seen almost 100 of you on a rainy, chilly day. We appreciate you…... Read Article

“Our Daughter Is Pretty Special”​

I often hear you talk on your show about your daughters. I can tell how proud you are of them. If I can brag for a second, our daughter is pretty…... Read Article

“Can We Share?”​

My 84 year old mom is getting her estate planning redone. Dad died almost 15 years ago and she didn’t change anything then. Now she feels its time. My question is about…... Read Article

“What’s The FIRE Retirement Plan?”

“My son is 28 and has a great job. He’s interested in the FIRE retirement plan… I’ve never heard of it. What should I know so I can help guide…... Read Article

“Facts Are Stubborn Things…”​

“When your program ended last week I left the radio on and heard the first few minutes of one of the Safe Money (annuity) shows. In his monologue, the host said…... Read Article

“Water Under the Bridge…”​

“My mom’s bank screwed up and put my brother on her bank accounts. When she passed away everything in the bank went to him. The rest of us four kids didn’t get…... Read Article

“You Can Still Help Your Church This Year”​

“My wife and I are both 77 and have been taking our RMDs right along. About three years ago we heard you talk about sending our RMDs to our church and…... Read Article

“Is THIS Included in PA Inheritance Tax?”​

“Is life insurance included in the PA inheritance tax?” Generally no. Many people are surprised to find that Pennsylvania does not include life insurance proceeds in the taxable estate of…... Read Article

“Your Future-Self Will Thank-You”

“I’m 48, married with two kids in college. We own our home with a small home equity loan. We are both in our 401(k)s and have what we need to…... Read Article

“Do Children Have to Pay Taxes on Inheritance?”

“My wife and I are very blessed – our pensions and social security cover way more than our expenses. We also have nearly $900,000 in IRAs from our company 401(k)s.…... Read Article

“My Mother-In-Law Wants to Live in a Nursing Home”

“My mother-in-law is 74 and a widow, my father-in-law passed away 10 years ago. She has 3 kids and 4 grandchildren. She recently had a health scare, and although she’s…... Read Article

“Is There Something Better?”

“My husband and I invested in our IRAs in two annuities almost 10 years ago. The annuities have done very little and are costing us 3% per year. The annuities…... Read Article

“Should an 86-Year-Old Buy or Rent a Home?”

“My dad heard you talking about reverse mortgages on your radio show and wondered if this is something that would help him. He’s 86, sold his home in New York…... Read Article

“How Should We Prepare For Financial Changes As Our Family Grows?”

“My husband and I got married almost two years ago. When I met him four years ago he had a ton of credit card balances. He has since paid them…... Read Article

“Can Husbands & Wives Have Different Financial Advisors?”

“My husband and I have very different approaches to our money – I think he knows more about our finances than I do. He’s been working with our financial advisor…... Read Article

“How Do I Balance My Retirement and Helping My Family?”

“My son is 41, divorced for 6 years, with 2 children. He has a hard time finding work and/or keeping a job. I’ve given him $1,000 every month since his…... Read Article

“Which Stocks Would Gene Recommend?”

“I do all my own investments, income taxes, and even our wills and trusts. I started buying individual stocks a few years ago and my results have been “OK” not…... Read Article

“We’ve Lost Confidence In Our Investment…”

“We’ve been buying stock in a well known company for over 20 years. It went down so we bought more shares thinking we were dollar cost averaging. However, it has…... Read Article

Words are Powerful Tools for American Freedom – October 2020

Jim Rohn – was a successful businessman, author, speaker, and was often described as a ‘business philosopher’.  Born on a small Idaho farm in 1930, he died at his home…... Read Article

Real Life Questions – Real World Answers – October 2020

“This year’s stock market roller coaster seems even worse than 2008.  It has my husband and I worried that we will need all of our savings to live and have…... Read Article

What Should You Do With Your Investments Before the Election? – October 2020

Every thinking American has concerns about the election on November 3rd.  Whichever Presidential candidate you support – you are worried about the future of our country if ‘the other guy’…... Read Article

“Should We Take More Now and Nothing Later?”

“My husband is retired and I’d like to retire too. We’ve saved over $1,000,000, spend reasonably, and have little to no debt. However, if I retire now at 62, we’d…... Read Article

“I Got a Second Opinion from the Team at MtM”

“My current advisor and I seem to disagree with how my investment returns are doing. I’m so glad I came to your team at MtM for a second opinion meeting…... Read Article

“I Don’t Trust My Former Employer to Pay Me”

“I’m owed $1,700 a month from my former employer after I turn 65. This could mean I can retire earlier than I planned… but I’m not sure I trust them…... Read Article

“Home Equity Line of Credit or Reverse Mortgage?”

“Is a 70-year-old retired man better off using the equity in his home for a home equity line of credit or getting a reverse mortgage?” Gene answers you and your…... Read Article

“Will Bitcoin Become the Reserve Currency of the World?”

“Wharton School on SiriusXM says Bitcoin will become the reserve currency of the world… do you agree?” Gene answers you and your neighbors financial questions on More than Money. Send…... Read Article

“I Feel Like I Annoy My Advisor…”

“I’ve never met my advisor in person and feel like I annoy him when I call…” Gene answers you and your neighbors financial questions on More than Money. Send in…... Read Article

“The Devil’s In The Details”​

“Is life insurance really tax free?” It sure can be, but you’ve got to pay attention to the details. Life insurance is nearly always (but not always) income tax free. Life…... Read Article

“This Shouldn’t Be Difficult…”

“How tough is it for a business to provide its employees with a really good 401(k) plan?” Easy peezy, lemon squeezy!  Any company can provide its employees with a world…... Read Article

“Do You Know About This Rule?”

“I thought the IRS allowed only one investment change per year. What happened to that rule?” The IRS expanded the number of changes from once-per-year to twice-per-year in 2009, but…... Read Article

“Long Term Care Insurance?”​

“My husband and I listen to your show as often as we can. Over the past few months we’ve heard a lot of callers asking about the law that makes them…... Read Article

“Is It Time To Cut My Losses?”​

“I invested in an annuity in early 2008 – right as things got really bad in the stock market. My advisor explained I would get a lifetime of guaranteed income. I put…... Read Article

“It’s Our Turn To Help Them”​

“Thank you for sending me the filial support article attorney Keith Strohl wrote. It was very informative and also very unsettling. My parents are just turning 60 and they’re both in…... Read Article

“How To Get The Most From Your Company 401(k)”​

“I’m 24 with a great job and solid prospects (Penn State grad!). I’ve recently become able to put money into a 401(k). The company matches half of what I put in up…... Read Article

“The Wife Is Always Right.”​

“My husband and I are both 40, we have two great kids, and two jobs we enjoy. We have saved some money for retirement, but we disagree on how it…... Read Article

We’re back for Season 2 on PBS39!

Join Gene Tuesday nights at 7:30 on PBS39 for the newest episode of More than Money! Enjoy featured interviews in the ‘American Stories’ series and stick around as Gene answers…... Read Article

“Can We Get Into Pensions On Our Own?”​

“My wife and I are 67 and 66 and will both retire soon. We’ve used our 401(k)s to save for retirement and I have about $700,000 (depending on the day) and…... Read Article

Words are Powerful Tools for American Freedom – September 2020

Abraham Lincoln – preserved the United States of America through the darkest period of our existence.  His impact on our country is felt to this day.  Lincoln knew heartache –…... Read Article

Real Life Questions – Real World Answers – September 2020

“My husband and I invested a good sized chunk of our savings in two annuities in 2009.  Both of these annuities have a benefit that pays us an income for…... Read Article

We Remember 9/11 with Folds of Honor

When 9/11 arrives More than Money and the entire More than Money family is here to help.  On 9/11 our team will be working hard to raise funds for Folds…... Read Article

“Using Secure Trust Funds As Collateral?”

My brother and I are looking to buy a commercial property. We don’t have the 25% down normally required for a commercial loan.  However, our grandparents were smart investors and set…... Read Article

“Proud Parents Invest In Child’s Future”

“Our daughter did a great job in college. She did so well in her major that she got more grants each year than we planned. We have some money (almost $30,000) left…... Read Article

“Improve Your Future – Today”​

“My wife and I are both 28 with good, but not great jobs. We haven’t started a family yet and are wondering if we shouldn’t be doing ‘something’ on the side…... Read Article

“How Much Life Insurance Does A Growing Family Need?”​

“My wife and I are both twenty-six (26) and expecting our first child in April. I know we need life insurance, but I have no idea how much. What is the right…... Read Article

“Why Don’t Our Numbers Match?”​

“Our financial advisor provides us with reports showing how our investments are performing. We compare that report’s numbers with our account statements and some numbers match and some don’t. And the returns…... Read Article

“Is Your Financial Advisor ‘Paying’​ Off?”​

“I use a financial advisor who charged me $11,000 last year, met with me once, and my investments made 1% return. How much should I have paid for this?” Your question…... Read Article

“Can You ‘Circuit Break’ Your Investments?”

In a word, yes.  If you feel your investments are too exposed to sharp downturns in the market there are a significant number of options you have to build more stability…... Read Article

“Would You Ever Turn Down Money?”

Maybe you would – for a good reason. In certain situations, inheriting money causes more problems than it solves. If you are in position to inherit a significant sum of money –…... Read Article

“How Can You Do That to Someone You Love?”

How can you allow your family and friends to receive financial advice from someone you don’t know or trust?  Many of our clients and friends refer their friends and family…... Read Article

“Digital Estates?”

Your home is properly titled. Your life insurance and IRAs have named beneficiaries. You’ve inventoried your assets and identified who gets mom’s engagement ring and dad’s prized collection of beer cans. Executors are…... Read Article

“When Do I Change My Investment Strategy?”

When your goals change. When your time frames change. When your ‘heart’ changes. These are good reasons to consider changing your investment strategy. When the news is upsetting. When another gold commercial is…... Read Article

“Diversified Investments?”​

“How many investments do I need to be diversified?” Maybe as few as one. Diversification is one of the most important tools in managing risk within an investment portfolio. Diversification comes…... Read Article

Words are Powerful Tools for American Freedom – August 2020

Thomas Jefferson – if you are a loyal reader of More than Money the Newsletter you know that I have quoted Thomas Jefferson (or Tom as I’m allowed to call…... Read Article

Real Life Questions – Real World Answers – August 2020

“What will happen to the American economy/stock market after the election?” This is the question on the minds of many Americans.  Many of the answers they are getting are intentionally…... Read Article

More than Money – News You Need to Know – August 2020

More than Money/MtM offices are open to receive you.  We have missed seeing both our current clients and our hope-to-be clients in our office.  We have a system in place…... Read Article

“Is It Legal For A 90-Year-Old To Invest In The Stock Market?”​

“My aunt is 90 and has been a client of yours for many years – at least 20. I recently retired and asked her about her experience with you. She said she…... Read Article

“Take It or Leave It?”​

“My husband is a teacher and will be retiring at the end of this school year. He has been in PSERS since he started teaching in 1987. We went to a conference…... Read Article

“Selling Our Homes – Buying Together”​

“My question is about how my wife and I can sell our homes and then buy one home together without getting slammed on income taxes. I lost my first wife…... Read Article

“Is This Too Good To Be True?”​

“I just turned 59 and plan to retire when I hit 66. I work for a good sized company that offers a 401(k) that no one likes. The investments in our 401(k)…... Read Article

“How Can I Make Things Easier On My Kids When My Time Comes?”

“My wife passed away suddenly last November. She had a 401(k) at her job, an IRA, and a life insurance policy. All together it’s a little more than $360,000. I didn’t do anything…... Read Article

“You May Want to Sit Down for This…”​

“I am 72 and must take RMDs from my three IRAs. Two are invested in mutual funds and one in an annuity. Each sends me a letter toward the end of the…... Read Article

“Do Your Kids Need A Scorekeeper?”​

“My daughter and son-in-law have gotten themselves pretty deep in debt. Big car loans and credit cards are most of their problem. I told them you recommended Dave Ramsey’s course and…... Read Article

“Will I Be Forced to Pay for My Parents Nursing Home Care?”

“You’ve talked on your radio show about kids being forced to pay for their parents nursing home care. My brother and I talked to our mom and dad about this. Neither of…... Read Article

“How to Balance Family and Financial Dreams?”​

“My wife and I are both 28 years old and both enjoy good jobs. In total we earn just over $140,000 each year. We’ve been saving for our first home and have…... Read Article

“Who Gets Paid First?”​

“Who gets paid first my beneficiaries or my heirs?” You might be shocked to find out your will could end up not worth the paper it’s printed on. You might be…... Read Article

“Company 401(k) or an IRA?”

“Should I use my company 401(k) or an IRA?” That depends. What are you trying to accomplish? IRAs can be simple, flexible, and personal. 401(k)s can be automatic, low cost, and accept…... Read Article

“I Paid My Premiums, but Lost My Life Insurance!”

It is absolutely possible to pay your life insurance premiums exactly as you were told by an insurance salesman and still end up with no death benefit at all. Life insurance…... Read Article

“How Can We Be Smarter With Our Spending?”​

“My fiancé and I have been together for almost four years and both have really good jobs that pay us very well. We both contribute to our 401(k)s. Our student loans will…... Read Article

“Why Are So Many Radio Shows Pushing Annuities?”

In a word – profit. Many annuities are extremely profitable – to the annuity company and certainly to the salesman/woman. If you knew that a salesperson was seeing a fourteen per…... Read Article

“Can Far, Far Away Also be Very Close?”

Sure. Technology can be a wonderful thing. Do you know someone who could use a great financial advisor? Maybe it’s someone you care about, but lives ‘far, far away’ – like Albuquerque…... Read Article

“How Can I Get All the Free Money?”​

“I recently changed jobs and have – for the first time – a 401(k) I can invest in. I am 26, make a good living, have been saving a fair amount…... Read Article

Words are Powerful Tools for American Freedom — July 2020

Privilege – a special right, advantage, or immunity granted or available only to a particular person or group. In America today, the word privilege carries a significant emotional charge.  It…... Read Article

Real Life Questions – Real World Answers — July 2020

“Is a Will Ever Useless?” No, but – in some cases – not very useful. Everyone knows you should have a will.  Not everyone knows that relying on your will…... Read Article

“I Suddenly Lost My Husband… What Do I Do Now?”​

A young (41) woman recently asked for guidance following the loss of her husband in a car accident four months ago. Her husband had significant amounts of life insurance and left…... Read Article

“How Can I Get My Kids on the Right Financial Track?”

“How can I get my kids on the right financial track?” You could try texting them. Just kidding – kind of. You (knowing what you know now) wish you could…... Read Article

“We Need a 2nd Opinion…”​

“My wife and I are both 62 and getting very close to retirement. We’ve heard you mention on your radio show 2nd opinion meetings. I think we’re interested in one of those. We…... Read Article

“How Do We Pick the Right Financial Advisor for Us?”​

“We’re looking for a financial advisor. My husband listens to your show while driving for work on Saturday mornings. My friend has suggested her financial advisor, but sounded a little ‘underwhelmed’. Are there…... Read Article

“Is This Legal?”

“Talk about being shocked.  I am working full-time and contribute to the 401(k).  I turned 70 ½ in January and HR said they are sending me an RMD.  I explained…... Read Article

“Can We Retire in 4 Years?”​

“My husband and I are about four years away from retirement – if you think we can retire. Our home is worth about $200,000 and is paid off. The only debt…... Read Article

“How can financial advisors tell people they can withdraw 4% per year ‘safely’ when stocks only pay 2%?”

“I have an investment portfolio of high quality stocks. The dividends they pay are about 2% of their share prices. How can financial advisors be telling people they can withdraw 4% per…... Read Article

“Do What You Love and the Money Will Follow”​

“I’m 32 and have been working at the same job since I graduated 10 years ago. I make a good income and have good benefits. The problem is I’m not really happy…... Read Article

“29 Years Old and Already a 5 Year MtM Client”​

“I don’t think many people know that More than Money works with young people as well as baby boomers. My son is 29 and has been a client of your company’s…... Read Article

“I want to start taking my monthly distributions… How much should I take? What if I mess this up?”​

“I’m 64 and have been retired for just over two years. I have an IRA that holds my 401(k) rollover with about $385,000. I want to start taking my monthly distributions in…... Read Article

“Our living expenses have dropped almost $1,500 a month. Should that go into our IRAs?”

“Last year, my wife and I realized our dream. We sold our PA home and our little shore house and we moved to a great new home at the shore. Everything went…... Read Article

“We’re trying to sell our house and shop of 30 years… will income taxes trip us up?”​

“We’ve lived in our home for almost 30 years. Now we’re moving and have it under contract for sale. Our problem is our property has our home and also a small…... Read Article

“Is it permissible to use my daughter’s 529 plan to pay off her student loans?”

“Is it permissible to use my daughter’s 529 plan to pay off her student loans?” As of January 1, 2020 the answer is now yes . . . sort of.…... Read Article

Words are Powerful Tools for American Freedom — June 2020

Daniel J. Boorstin (1914-2004), was an American historian who taught at the University of Chicago.  He was also prolific writer who produced some exceptionally thoughtful and detailed books. These included…... Read Article

Real Life Questions – Real World Answers — June 2020

“My wife and I sold our home and are buying a smaller one.  We’re using the proceeds from the sale to almost pay for our new home.  We’re about $35,000…... Read Article

“Does using a Fixed Index Annuity (FIA) make sense inside my IRA?”

“Does using a Fixed Index Annuity (FIA) make sense inside my IRA?” It depends. What is your goal for taking such a step? If your goal is income tax sheltering –…... Read Article

Light at the End of the Tunnel? — 14 Actions You Can Take Right Now — Maybe a Little Smile Would Help? — May 2020

Light at the End of the Tunnel? This is what I wrote in January to someone asking me what I thought the future would bring: “So you think I am…... Read Article

The CARES Act – Federal Stimulus — Signs of Stock Market Recovery — How to ‘Get Back Into the Market’ — April 2020

The CARES Act Summary The CARES Act (Coronavirus Aid, Relief, and Economic Security Act) is a $2 trillion package intended to provide relief to taxpayers and employers from the effects of government…... Read Article

Stock Market Correction and the Coronavirus — March 2020

What we know . . . As I write this to you the markets have not yet opened for the first trading day of March.  As you are reading this you…... Read Article

Real Life Questions – Real World Answers — February 2020

“Last year the stock market did great.  With the impeachment and election what’s it going to do this year?” So you think I am psychic.  Or you think someone is psychic and…... Read Article

Words are Powerful Tools for American Freedom — February 2020

Friendship is a beautiful thing.  I recently saw a statement that said (approximately) ‘friendship is the sweetener of life’. The longer I am allowed to enjoy this spinning green world the…... Read Article

May We Ask A Favor?

We have received so very many kind words and well wishes on our new PBS39 television show – More than Money with Gene Dickison.  Thank you all. As of this writing, our…... Read Article

More than Money Guests — Just getting ready for our appearance on More than Money with Elaine Zelker

Just getting ready for our appearance on More than Money with Elaine Zelker.... Read Article

Words are Powerful Tools for American Freedom — January 2020

Soren Kierkegaard, a Danish philosopher and theologian of the mid-19th century wrote some of the most interesting and challenging ideas of this time.   He also was dedicated to walking.  Simply walking.  A simple…... Read Article

New Tax Law! The SECURE Act Big Changes for IRAs and 401(k)s Retirement Planning Critically Important

Passed at the end of December 2019 as part of the government spending bill, the SECURE Act brings multiple changes to how you and I can and will use IRAs…... Read Article

Thank You —

Our January 11th Historic Radio Event – Safeguard Your Financial Future through Elections and Recessions was heard by tens of thousands and ‘attended’ by hundreds through our on-line tools. If you attended,…... Read Article

More than Money Guests — Joe Mascari joins Gene on the set of PBS39’s More than Money

Joe Mascari joins Gene on the set of PBS39’s More than Money. ... Read Article

More than Money Now Lives on Sesame Street!

We are so excited to share the news with everyone in our More than Money family.  Our More than Money TV show now lives on Sesame Street! Beginning January 7,…... Read Article

Real Life Questions – Real World Answers — December 2019

“Our daughter did a great job in college.  She did so well in her major that she got more grants each year than we planned.  We have some money (almost…... Read Article

Words are Powerful Tools for American Freedom — December 2019

Several years ago I wrote my December newsletter to all of you and came to this segment sharing words as powerful tools for American freedom.  At that time I was…... Read Article

More than Money Guests — Shawnee Inn’s Kirkwood Family joins Gene on the set of PBS39’s More than Money.

Shawnee Inn’s Kirkwood Family joins Gene on the set of PBS39’s More than Money.... Read Article

We’ve Invested in a New Website to Better Serve You

It’s Chock Full of Info to Help You Achieve Financial Peace of Mind At MtM Financial Group, we are firm believers in the importance of good communication. So we are…... Read Article

Circle Dec. 7 on Your Calendar

We don’t want you to miss our annual More than Money Holiday Event!  On Dec. 7 we invite you to join us at our More than Money World Headquarters – in…... Read Article

Slashing Your 2019 Income Tax Bill With an IRA, an RMD, and a QCD Before Dec. 31!

Lots of initials – IRA, RMD, and QCD.  What all those letters might spell is big tax savings if you qualify. A Qualified Charitable Distribution (QCD) is a withdrawal from your IRA…... Read Article

Not 70½, But Still Want to Cut Your Income Taxes?

For many taxpayers the idea of investing in a tax shelter sounds like a quick trip to an IRS audit – or worse.  But this tax shelter, of sorts, is…... Read Article

Sell Stock for Big Profits, But Pay No Income Taxes?!

Sounds too good to be true?  Sounds like something you would hear on a TV infomercial at 3 a.m.  Right before the host yells at you through the screen, “But…... Read Article

Words Are Powerful Tools For American Freedom — November 2019

Capitalism is one of the foundational elements that makes America great.  The “American Dream” is not based on a socialist “see how much we can get without working” philosophy.  The…... Read Article