Our Thinking

College/Education Savings Options Explained

November 26th, 2012

Education planning is one the most important things that a parent can do for a child. There are many options available, so choosing the right one can be challenging. The following information is an overview of the type of accounts available and their pros and cons. 529 College Savings Plan This is one of the most popular options Read more »

Roth 401k/IRA vs Traditional 401k/IRA

July 13th, 2012

Roth 401k or Traditional 401k? It’s a simple question that when answered correctly, has the potential to add hundreds of thousands of dollars to your net worth during your lifetime. Unfortunately, many people arrive at the wrong conclusion, but it’s not for lack of research or advice. Conventional wisdom from financial pundits and the internet Read more »

Student Loan Repayment Strategies

April 30th, 2012

In our practice, we frequently get the opportunity to provide pro bono advice to graduate students who have accumulated a significant amount of student loan debt.  The facts are staggering…2/3 of all college students graduate with student loan debt and this year the total amount of outstanding loans will surpass $1 trillion. If graduates don’t Read more »

Are your Beneficiary Designations Current?

January 26th, 2012

Keeping your beneficiaries up to date on your IRAs, 401ks, Insurance Plans, etc., sounds simple, but it’s often the most over looked aspect of estate planning.  Generally, significant life changes can create a season of busyness, and updating who or whom your assets will pass on to can slip by the wayside, creating unintended consequences. Read more »

6 Retirement Plan Options for Small Businesses

October 5th, 2011

The following article was published in the October 2011 edition of Business Report. (page 23)

Former Intern, Michelle Moultrie, Shines in Women’s College World Series and is named CO-MVP

June 3rd, 2011

Congratulations to former Chacon Diaz & Di Virgilio intern, and current Florida Gator softball player, Michelle Moultrie on her outstanding performance in the Women’s College World Series. Moultrie batted .542 and led the tournament in hits, doubles, homeruns, total bases, and stolen bases.  Her season batting average of .443 shattered the school record of .407. Read more »

Five Strategies for Optimally Managing your 401k or 403b

March 30th, 2011

Opening a 401k or 403b is easy enough, but optimally managing it can be quite difficult. Use these strategies to help ensure that your 401k or 403b is being maximally employed. 1.) If your company has a match, defer enough salary to reach the full match. This sounds overly simple, but far too often “free” Read more »

What is a Fiduciary and Why Should it Matter to Me?

September 2nd, 2010

Financial Professionals operate as either fiduciaries or salespeople. Fiduciaries have a legal duty to give advice that is solely for your benefit and in your best interest. Fiduciaries must put their own personal interests completely aside, in order to remain loyal to their fiduciary duty. On the other hand, salespeople are held to a suitability Read more »