Welcome to Rall Capital Management

Tag: financial planning

Which Type of Medicare Advantage Plan Is Best for You?

What to do about health care is one of the major decisions that everyone faces when getting close to retirement. A lot of people delay retirement until they reach age 65 because they don’t want to lose their employer-sponsored health plan. Even if they are financially able to retire, they will often continue to work […]

Should I Pay Off My Mortgage?

Picture this: Through your hard work and discipline, you have accumulated a relatively significant amount of savings outside of your retirement accounts. You have more than enough cash set aside in your emergency fund, which is your safety net, and you are thinking about whether you should use some of your excess savings to pay […]

The Different Flavors of Risk

When we look at the performance of the investment markets so far in 2017, something seems to be missing. We know that it’s there. We can feel it. But we just haven’t seen it in a while. Our monthly and quarterly statements look pretty good, and most of the asset classes we own are doing […]

Medicare—Which Path Is Right for You?

Enrolling in Medicare is not a simple process. As you approach age 65, there are several decisions that need to be made. Making a wrong decision, based on your circumstances, can have a big impact on your finances and your health insurance coverage. In the first part of this series on Medicare (Medicare Enrollment—Not As […]

Second Verse, Same as the First

If you have a little less hair now than you’ve had in the past, or if the hair you do have is some variation of the color of silver, you might recognize the title of this post. It’s a line from the Herman’s Hermits’ 1965 hit version of the song “I’m Henry the Eighth, I […]

Is Your Advisor a Fiduciary All of the Time?

You may have heard some news in the financial press about the so-called “Fiduciary Rule.” It is a new rule that is supposed to make sure that financial advisors always act in the best interest of their clients when providing financial advice. It might be surprising to you that we needed such a rule. I […]

Which Account Should I Use for Cash Flow in Retirement?

If you think that saving for retirement is hard, wait until it comes time to spend it. When you are working and making contributions to a retirement plan, it’s pretty easy. You open a retirement account, contribute to it regularly, and off you go. If you are lucky enough to have a company-sponsored plan, you […]