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Investing advice: Using cash to protect against stock market volatility

Bray Creech, MBA, CPA, CFP®
Asheville Citizen Times — November 27, 2018

Stock market volatility is never fun. It puts many of us on edge. Retirees withdrawing from investments may find the market’s inevitable bumpy periods especially difficult to manage.

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Investment advice: What’s the best strategy for managing investment risk?

Bray Creech, MBA, CPA, CFP®
Citizens Times — October 21, 2018

My Halloween scare came early this year. On a recent beautiful fall afternoon, while hiking a trail in Swannanoa with the dogs, my spouse and I came inches from stepping on a writhing thicket of horror. On the path directly before us was my worst nightmare come to life: three venomous snakes — two copperheads and one rattlesnake. Absolutely terrifying.

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Video: Qualified Charitable Distribution

Writer
— October 12, 2018

Bray Creech discusses this year’s tax law changes and how they affect donating to charity through Qualified Charitable Distribution.

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Financial advice: Maximizing tax benefits from your charitable giving

Bray Creech, MBA, CPA, CFP®
Citizens Times — September 16, 2018

This year, charities across the U.S. are concerned. Their donors, many of whom are middle-income retirees, may be discouraged from charitable giving — their gifts no longer reaping the tax benefits of years past.

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Try this strategy to save on taxes in retirement

Guest columnist Bray Creech, MBA, CPA, CFP®
Asheville Citizen Times — July 29, 2018

People naturally want to minimize their taxes in retirement. Instead, what often happens is the opposite: Retirees too often face an abrupt and unexpected increase in federal income taxes due to large accumulations in tax-deferred accounts like IRAs and 401(k) plans….

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Financial advice: Prioritizing competing savings goals

Guest columnist Bray Creech, MBA, CPA, CFP®
Asheville Citizen Times — June 27, 2018

Our financial planning practice recently met a couple in their 40s with two young children. After discussing best practices for savings rates and coming up with an initial retirement plan, they settled on a sum to squirrel away every month for the future….

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Trying to save for a child’s future college? Get to know your 529

Bray Creech, MBA, CPA, CFP®
Asheville Citizen Times — May 13, 2018

Can you imagine iconic brand names like Formula 409, Levi’s 501 and Heinz 57 without that funky alphanumeric mix? They sound like someone’s computer password.

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Financial advice: Generating income after retirement

Bray Creech, MBA, CPA, CFP®
Asheville Citizen Times — March 30, 2018

Generating cash flow in retirement is a conundrum for many people. Oftentimes, because retirement income is limited to Social Security or maybe a pension, there is an income gap between the cash coming in and the cash going out. And in today’s low-interest rate environment, filling that retirement income gap can be a challenge.

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Investing advice: 4 tips to beat the market from Bray Creech

Bray Creech, MBA, CPA, CFP®
Asheville Citizen Times — March 4, 2018

Recently a retired gentleman came to our office to interview us. Although he already had a financial adviser, things weren’t going well and he wanted to know about our process and services.

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Guest column: The importance of having an estate plan

Bray Creech, MBA, CPA, CFP®
Asheville Citizen Times — January 21, 2018

Many people perceive estate planning as being only for the ultra-wealthy. We believe, however, that estate planning is really about making sure your wishes are carried out during difficult life events, regardless of your wealth or income level.

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