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September 24, 2024

5 California Housing Markets That Will Plummet in Value by the End of 2025

“California’s housing market demand will take time to recover, but recovery is happening, albeit slower than usual,” said Anthony DeLuca, an expert contributor at RetireGuide.

5 California Housing Markets That Will Plummet in Value by the End of 2025

September 23, 2024

Why Rents Are Plummeting in These 6 Cities, According to Experts

As with most things, what’s happening with the broader economy affects the rental market.
“Shutting down an economy, choking the supply chain and then following this up by raising the Federal fund rate skyrocketed inflation,” DeLuca shared.
This inflationary pressure has made life in already expensive cities even less affordable. As a result, it’s no surprise that people are moving out.

Why Rents Are Plummeting in These 6 Cities, According to Experts

September 17, 2024

7 States Where Upper-Class Paychecks Could Suffer If Kamala Harris Wins in November

As DeLuca said, many of the states that could see the biggest impact on upper-class paychecks are also major contributors to the national GDP. The interplay between tax policy, economic growth and income distribution is complex and multifaceted.

7 States Where Upper-Class Paychecks Could Suffer If Kamala Harris Wins in November

September 17, 2024

7 States Where Upper-Class Paychecks Could Benefit Most If Trump Wins in November

Interestingly, Anthony DeLuca, CFP and expert for Annuity.org, suggested that some of the biggest beneficiaries could be in traditionally high-tax states.
“Upper-class earners living in areas with high state and city taxes need federal and corporate relief,” DeLuca explained. “That would be New York, California, New Jersey, Massachusetts, etc.”
DeLuca pointed to Trump’s past tax policies as a guide.
“Trump enacted the TCJA of 2017 which gave huge tax relief to the upper-class,” he said. “It lowered both the individual tax rate from 39.7% to 37% and the corporate tax from 35% to 21%.”

7 States Where Upper-Class Paychecks Could Benefit Most If Trump Wins in November

September 1, 2024

Seven Best Passive Income Investments To Build Your Wealth in 2024

“First off, any excess cash should be placed in a money market account. Most are yielding around 5% at a time when CPI is now back down towards 2.9%. That yield differential is a no brainer,” said Anthony DeLuca, CFP, an expert contributor at RetireGuide. Just remember that investing comes with risks and everyone’s situation is different, so it’s a good idea to consult a financial advisor when making investment decisions.

Seven Best Passive Income Investments To Build Your Wealth in 2024

August 26, 2024

Six Ways Kamala Harris Might Keep Your Money Safest as President

As DeLuca pointed out, “If you are a new family trying to live out the American dream, Vice President Kamala Harris’s policies might align with your wants and needs.”
As always, voters should carefully consider how each candidate’s policies might affect their personal financial situation and the broader economy.

Six Ways Kamala Harris Might Keep Your Money Safest as President

August 26, 2024

Four Ways Trump Might Keep Your Money Safest as President

Trump’s tax policy has been a cornerstone of his economic approach. Anthony DeLuca, expert contributor at Annuity.org, explained, “One of the bigger dialogues surrounding former President Trump’s first term was the Tax Cuts and Jobs Act in 2017, which was supposed to create tax relief for all Americans.”

Four Ways Trump Might Keep Your Money Safest as President

August 19, 2024

5 Ways To Become Wealthy by Investing Just $100 a Month

Anthony DeLuca, an expert contributor for RetireGuide.com, pointed out the power of maxing out tax-advantaged accounts like IRAs. “If you max out the IRA each year (assuming the maximum stays at $7,000), for 40 years with an annual return of 7.0% (roughly the S&P average over the last 25 years after inflation) you will have an ending value of $1.3 million,” he shared.

5 Ways To Become Wealthy by Investing Just $100 a Month

August 18, 2024

7 Ways To Make the Most of Your Social Security Check Every Day

Anthony DeLuca, expert contributor for RetireGuide.com, suggested a long-term strategy: “Perhaps an obvious way to make more of your Social Security check is to delay monthly payments until you optimize at age 70.”

7 Ways To Make the Most of Your Social Security Check Every Day

August 10, 2024

6 Keys To Managing Investments During an Election

“The reality: The Federal Reserve Board has more controlling power with the Fed fund rate than the policies of any president,” DeLuca said.

So instead of spending so much time worrying about how election night will affect your portfolio, you can use that time to plan your long-term financial goals.

6 Keys To Managing Investments During an Election

August 6, 2024

Here’s What a Kamala Harris Presidency Would Mean If You Plan To Retire in 2025

To learn how a Harris presidency could impact the plans of boomers eyeing a 2025 retirement, GOBankingRates consulted two financial planners, DeLuca and Michael Collins, CFA, and CEO and founder of WinCap Financial.

“Always look at your financial plan,” said DeLuca. “It does not matter if there is a new president. Every six months, a financial plan should be revisited and adjusted as need be.”

Here’s What a Kamala Harris Presidency Would Mean If You Plan To Retire in 2025

August 2, 2024

Does Paying for Financial Advice Make People More Confident?

As both DeLuca and Bellak’s points illustrate, an advisor can help clients feel more confident about their financial future, especially if the professional pays close attention to their needs. A person’s confidence also hinges on their ability to keep an open mind and feel that they’re getting the most monetary value out of their advisor-client relationship.

Does Paying for Financial Advice Make People More Confident?

July 30, 2024

No retirement savings at 40: A comprehensive guide

A financial planner can help you figure out how to begin saving for retirement in your 40s, or even later, and still achieve a successful financial outcome.

For one real-life example, Anthony DeLuca, a certified financial planner (CFP) and financial advisor at Delta Advisory Group in Maitland, Florida, has a client who didn’t begin saving in a 401(k) until she was around 50 years old

DeLuca added that investors need a hefty dose of discipline when it comes to contributing to a retirement plan, as well as the ability to stick to a budget. “But for our client who is now enjoying her retirement, she will attest that the challenge was worth it,” he said.

No retirement savings at 40: A comprehensive guide

July 17, 2024

When a Retirement Hardship Withdrawal Makes Sense

“There are times when potential debt is unavoidable, and that’s simply life," said Anthony DeLuca, a certified financial planner at RetireGuide.com in Longwood, Florida, in an email. "That’s why certain hardship withdrawals are the correct move to avoid debt, even if it means your retirement plan takes a step backward.”

When a Retirement Hardship Withdrawal Makes Sense

July 11, 2024

Single Premium Immediate Annuity (SPIA)

Anthony DeLuca, a CFP with Delta Advisory Group, says "The use of a Single Premium Immediate Annuity (SPIA) can be very advantageous in the higher interest rate environment we find ourselves in today."

Single Premium Immediate Annuity (SPIA)

June 28, 2024

What a Biden Win in November Could Mean for the Middle Class

“Based on what I’ve observed in the economy, I would say that Biden’s policies would truly have little impact, because shifting who foots the bill inevitably falls on the consumer,” said DeLuca. “What the Fed does regarding the Federal Fund Rate has just as much impact on the price of goods and borrowing power.”

What a Biden Win in November Could Mean for the Middle Class

June 28, 2024

Should You Get a Job After You Retire?

DeLuca shares that, in his estimation, “it’s worth making the extra dollars” and taking the hit to your Social Security if “you are doing a job in retirement that you enjoy and provides purpose.” Ultimately, he says that you’ll likely find yourself “making up the lost social security with your earned income, and you are receiving invaluable benefits.”

Should You Get a Job After You Retire?

June 3, 2024

Insights from CFPs: 5 best Roth IRA investments

“If you are a young individual, you have plenty of time in the market to withstand volatility,” explains Anthony DeLuca, a CFP, CDFA and senior financial advisor at Delta Advisory Group. “Your mindset should be more growth-oriented, and therefore, your best investments should be tailored toward equity. On the contrary, someone a few years out from retirement needs to reduce their market risk, and a more conservative portfolio is a better investment choice. A fair mixture of bonds and large-cap funds would be more appropriate.”

Insights from CFPs: 5 best Roth IRA investments

May 29, 2024

7 Tips for Paying Off Debt This Summer While Still Having Fun

Consider a Balance Transfer
If your main debt is credit cards, Anthony DeLuca, CFP, CDFA and expert contributor at Annuity.org, suggested transferring your balance.

“This is a process where you move credit card debt from one card to another, often with a 0% introductory APR,” he explained. “Now, you can focus on excess cash paying off the principal debt while having a little left over for summer enjoyment [i.e.] money that would have needed to go into interest payments.”

7 Tips for Paying Off Debt This Summer While Still Having Fun

May 23, 2024

The Financial Value of a Qualified Longevity Annuity Contract

A QLAC is a type of longevity deferred annuity that provides a guaranteed stream of income during one’s life span. It allows an exemption from RMDs and a continued deferral of taxes into the later years of retirement, up to a maximum age of 85. If someone is in fear of longevity risk and is in search of certainty, this may be an appropriate tool. If someone is more growth oriented and wants more flexibility of their assets in retirement, this may not be an appropriate tool.

The Financial Value of a Qualified Longevity Annuity Contract
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