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Cass Chappell - ArticlesAs co-founder of Chappell, Mayfield & Associates, Cass offers expertise in financial planning, wealth accumulation, retirement planning, insurance planning, business continuation planning, and employee benefits.
Cass launched his financial planning career as an agent for Prudential Financial in 1996, and later, a manager in the company's financial services division. Since then, Cass has earned the CFP®, CLU, and ChFC designations, reflecting his commitment to excellence in investment decision-making and financial planning. He also holds a B.S. in Management from Georgia Tech. Cass has lived in Atlanta since 1992 and is married to Alison. Beahvioral Finance - Prospect TheoryInvestors have a huge aversion to accepting losses in the stock market. A 1979 study showed that investors will risk a much larger loss than accept a smaller certain loss. This may be one reason investors hold on to losing positions instead of selling them and replacing them with a more promising security. “Max out” your 401(k)……just don’t do it too quicklyThis article, written by Cass Chappell and titled "Max Out" your 401(k)...just don't do it too quickly, is meant to inform investors that they should not be hasty in how fast they maximize their retirement plan contributions. It points out that by spreading your contributions throughout the year that you collect all the matching contributions that you are entitled to. “It just doesn’t feel right!” – 529 PlansArriving on the scene several years ago, 529 savings plans shoulda, coulda, woulda been the greatest thing since sliced bread. There is one characteristic, unique to 529 plans, that JUST DOESN’T FEEL RIGHT.
Each individual state sponsors their own 529 plan. This makes the 529 landscape muddied at best, and outright confusing at worst. To “shop the country” would require someone to look at almost 50 different plans! It’s time to fix this. A 529 plan should be just like an IRA, where you... Healthcare Reform – Quit yelling! It’s time for an open, honest, constructive discussionWhy is there some much venom in the healthcare debate? If we use our energy to work towards constructive dialogue instead of anger and intimidation, then we may actually be able to fix our healthcare system. Issues with Georgia's healthcare system in particular are explored in this short but informative article. Healthcare Reform – Quit yelling! It’s time for an open, honest, constructive discussionWhy is there some much venom in the healthcare debate? If we use our energy to work towards constructive dialogue instead of anger and intimidation, then we may actually be able to fix our healthcare system. Issues with Georgia's healthcare system in particular are explored in this short but informative article. Uninsured Motorist Coverage- A Closer LookThis aritcle takes a look at recent changes to the Uninsured Motorist Coverage law in Georgia and explores the hidden reasons for a possible premium increase. It also discusses alternatives to this increase and weighs the pro and cons. Long Term Care Insurance - When Should I Buy It?When is the best time to best time to buy long term care insurance? Despite the snap answers you may get, there is no answer that is right for everyone. It depends on your financial situation, your age, your health status, and appetite for risk. Should you self insure? Read on for answers... The First Saturday in May - My PickThis article was written before the Kentucky Derby, and provides insights into the author's prediction of the winner, and also his checkered history in trying to predict the winner of the Run for the Roses. Market Performance Since March 9th - Further Bear Market AnalysisBetween March 9th and April 7th, the stock market rose 19%, which should not take investors by surprise. History has shown that when markets “trough”; those bottoms are followed by a sharp rise in equity markets. Long Term investors need to stay the course. Roth Ira ConversionsSpecial tax rules (that few have noticed) allow for converting IRAs to Roth IRAs with 2 years to pay the tax on the coversion.
In 2010 taxpayers can convert an IRA, 401(k) Rollover, & virtually any type of retirement plan to a Roth IRA (allowing for tax-free withdrawals in retirement) regardless of income. Tax rules allow you to spread the tax on the coversion over the following 2 years.
And with the stock market so low, now is a great time to be saving and investing for retirement.
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