Scapital, Author at Sensenig Capital Advisors

Business Owners

January 13, 2016

Make the Most of Your 401(k) Plan

There are two types of 401(k) plans: traditional and Roth-style plans. Traditional plans feature pretax contributions, which are taxed at ordinary rates when withdrawn in retirement. Roth plans offer after-tax…

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Advanced Planning

January 13, 2016

Budget Deal Curbs Social Security Claiming Options

Considering Social Security options? New rules have eliminated and/or limited two Social Security filing strategies that have helped married couples collect thousands of dollars in added income over their lifetimes.…

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Business Owners

December 11, 2015

Small Business Owners: Test Your Retirement Plan Knowledge

Are you a small business owner with mixed feelings about offering your employees a retirement plan? This quiz may help shed some new light on the topic.

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Investment Consulting

November 24, 2015

The Rise of Short-Term Rates

While many market participants wait for the “inevitable” rise in short-term interest rates expected when the Federal Reserve tightens its monetary policy, some investors may have missed the increase in…

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Business Owners

November 24, 2015

Are Your Employees “Retirement Ready”?

As the name implies, Retirement Readiness is a gauge that determines whether or not an employee will have enough money in retirement to enjoy a similar standard of living as…

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Investment Consulting

November 20, 2015

Question: How Do You Choose Investments for Your Clients?

When introducing evidence-based investing, we like to begin by explaining why we feel it’s the right strategy for those who are seeking to build or preserve their wealth in wild…

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Advanced Planning

November 4, 2015

Common Estate Planning Mistakes and How to Avoid Them

Estate planning can be as simple as drafting a will or as complex as setting up specialized trusts. When you are ready to create your own plan, it's wise to…

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Investment Consulting Workplace Retirement Plans

November 4, 2015

When Changing Jobs, It Pays to Keep Track of Your 401(k)

Changing jobs? Let your employer know what should happen to your retirement account balance. Indecision or lack of communication on your part may mean that the money sitting in a…

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Investment Consulting

October 20, 2015

Which Hat Are You Wearing?

Most of us have multiple roles—as business owners, professionals, workers, consumers, citizens, students, parents and investors. So our views of the world can differ according to whatever hat we're wearing…

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Investment Consulting

October 14, 2015

Advice That Adds Up During Down Markets

As recent global markets continue to test the patience of even some of the most stoic among us, how are you holding up? Are you finding it feasible (if not…

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