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Rowling & Associates Blog

Get helpful tips for managing your money, financial planning information, tax savings, and financial news in these blog posts.

We enjoy making the complicated financial world simple for our clients. From short blog posts to full articles and even videos, financial professionals Sheryl Rowling and Steve Doster explain the topics that are important to you. There are also blog posts by our younger team members addressing the financial issues the X and Y Generations are dealing with now.
Please share any content you like on your social media pages. Feel free to contact us with questions about any of the articles. We are happy to respond!

Is a Roth IRA Right for You?

In our last post, we took a close look at Traditional IRAs – a type of retirement account that allows you to make tax-deductible contributions at any age, so long as you have earned income. However, not everyone benefits from this type of account. If you’re anything like me – a millennial, semi-recent college graduate in a pretty low tax bracket, there is actually a retirement account that could work much better for you. It’s called a Roth IRA.

Is a Traditional IRA Right for You?

Coming out of the COVID-19 pandemic, we now have a greater understanding of the importance of saving for retirement. But how should you begin this investment in your future? There are many different types of individual retirement accounts (IRAs) that you can open. In this series of posts, we will be taking a look at each one to help you determine which is best for you. We will start with the traditional IRA.

Life Insurance: Term vs. Permanent Part Two

In our last post, we took an in-depth look at term life insurance policies and the various benefits they can offer. However, these are far from the only life insurance option available. In this post, we will be taking a closer look at another equally complex type of policy – permanent life insurance.

Life Insurance: Term Vs. Permanent Part One

Life insurance is a complicated topic. There is a lot to take into consideration, even after you decide to purchase a policy. No one option is right for everyone. In this post, we will be examining term life insurance policies to help you determine if this is the best option for you.

ESG Investing: More Than A Passing Trend

Here in San Diego, we at Rowling & Associates believe in doing good for the world. But, working to make the world a better place doesn’t have to come at the cost of your investment returns. With ESG investing, you can put your money into companies that are committed to sustainability.

Is A Reverse Mortgage Right For Your Retirement?

Ever wonder what to do with equity that has built up in your home? Home values are at historical levels leaving homeowners wondering, how can I use one of my largest assets to meet my retirement income goals? Let’s explore how a reverse mortgage may  enhance your retirement plan.

Planning for the Optimal Mortgage Option for You

Purchasing your dream home has many steps, including the decision between the myriad mortgage options available to you. How will you know which option is ideal for you? While there is no one right answer for everyone, considering the details of your unique financial situation will help you when planning for the optimal mortgage option for you. 

Financial Planning for First-Time Homebuying

Are you wanting to purchase your first home but do not know where to start? Here are a few first-time homebuying financial planning tips to keep you from falling into the typical traps that come with this process.

Lessons from the GME Mania

The recent GameStop experiment resulted in some people making big profits, some people losing their life savings (and then some), and a lot of people learning about the stock market and how it works. . Here are five lessons I learned from the #GME mania.

Six Things To Do After You’ve Paid Off Your Student Loan Debt

Due to the shutdowns and stay at home measures put in place during COVID-19, saving money has been easier than ever before, because there really isn’t anywhere to spend it! If your situation is anything like mine, you may have taken advantage of the extra funds in your bank account to eliminate a major source of debt – your student loan debt.