http://www.evansadvisoryservices.netEvans Advisory Services is a firm dedicated to helping those planning for retirement manage their financial resources so they enjoy their life free of financial worries.en-us60http://www.evansadvisoryservices.net/news/taking-loans-or-withdrawal-from-your-retirement-plansBefore addressing this week’s topic, I want to offer a clarification on last week’s update.  I may have mistakenly implied that all mortgage refinancings are a bad deal – that i...Mon, 13 May 2013 15:54:00 -0400http://www.evansadvisoryservices.net/news/my-two-cents-on-refinancing-debt-and-paying-off-debts-earlyMy Two Cents On: Refinancing Debt and Paying Off Debts Early. I am frequently asked if it makes sense to refinance existing debt or to pay debt off early instead of saving more for retirement.  ...Fri, 10 May 2013 09:26:00 -0400http://www.evansadvisoryservices.net/news/life-insurance-like-all-types-of-insurance-is-a-risk-transfer-mechanismOne of the topics that comes up frequently in my financial planning meetings is life insurance.  I gather information on the life insurance people own as part of the data gathering process and us...Thu, 02 May 2013 08:58:00 -0400http://www.evansadvisoryservices.net/news/income-replacement-in-retirementHello!   I hope you are enjoying the spring.  I don’t know what the weather is in your area, but in our area we’ve seen 50o  swings in temperature from one day to the...Tue, 23 Apr 2013 11:36:00 -0400http://www.evansadvisoryservices.net/news/ira---should-you-consider-rollover  I met with a couple the other day who have a 401(k) plan (his) with a former employer.  I suggested they roll the account over to an IRA.  The phrase rollover gets a lot of pres...Mon, 15 Apr 2013 15:22:00 -0400http://www.evansadvisoryservices.net/news/is-it-time-for-us-to-consider-downsizingAs the Baby Boom generation starts to retire, one of the emerging questions will be “Is it time for us to consider downsizing?”  I want to share some thoughts with you about this. &n...Wed, 10 Apr 2013 16:46:00 -0400http://www.evansadvisoryservices.net/news/do-you-need-help-addressing-your-financial-issues-and-concernsI met with a couple the other day who are about 50 years old.  I asked them why they had come to see me and they responded that they were unsure if they were on the right track and needed help to...Fri, 05 Apr 2013 10:18:00 -0400http://www.evansadvisoryservices.net/news/after-four-years-of-consumers-paying-off-debt-and-starting-to-save-more-that-trend-is-reversing-I heard two statistics the other day on Bloomberg radio that concerned me.  First, incomes on an inflation-adjusted basis (often referred to as “real income”) have slightly decreased ...Wed, 27 Mar 2013 09:23:00 -0400http://www.evansadvisoryservices.net/news/the-issue-of--gray-divorce-One of the growing trends in our society is the issue of “gray divorce”, i.e., divorces that occur among senior couples.  As the linked article below points out, there are a variety o...Wed, 20 Mar 2013 11:25:00 -0400http://www.evansadvisoryservices.net/news/where-is-the-stock-market-going-from-hereLast Tuesday, March 5th, the stock market closed at a new high for the Dow Jones Industrial Average.  This surpassed the previous high set on October 9, 2007.  It took the market 5 ½ ...Tue, 12 Mar 2013 17:14:00 -0400