About Bob Williams

Give us a call today at 1-888-777-0970 or via email at info@alhambrapartners.com and we’d be happy to arrange for one of our investment professionals to discuss your situation with you – completely complimentary. Let’s start the conversation today. Bob is the Director of Media at Alhambra Investments, an SEC-registered Investment Advisory firm doing business since 2006. Alhambra Investments specializes in all-weather, highly diversified, multiple asset class portfolios.

The Changing Landscape of Retirement Savings

By |2022-05-16T14:28:36-04:00May 16th, 2022|Financial Planning, Retirement|

It’s not often that politicians agree about anything, but in a rare vote in the U.S. House of Representatives, men and women, Republicans and Democrats, liberals and conservatives voted 414 to 5 in favor of the Secure Act 2.0, a series of changes to retirement savings plans. You can see the entire list of changes here. The bill builds on [...]

Revocable vs Irrevocable Trusts

By |2022-05-09T11:56:13-04:00May 9th, 2022|Estate Planning, Financial Planning|

My, how things have changed. When I was growing up, if you found out someone had a trust, well, that person must be rich—they must be a millionaire (that’s back when a million dollars was really worth something). Today, though, trusts of all kinds are a common planning tool providing specific benefits to a multitude of situations. But boil it [...]

Retirement Income That Isn’t Taxable

By |2022-04-05T13:45:38-04:00April 5th, 2022|Financial Planning, Retirement|

One of the questions that have to be answered when planning for retirement is, “Where’s my income going to come from.” Identifying the income is a necessary first step when you’re planning. But people often miss the second step—how much of that income will be taxed? Uncle Sam doesn’t give you a pass on taxes just because you’re retired. Most [...]

New RMD Tables Mean Less Taxes

By |2022-03-22T07:51:35-04:00March 22nd, 2022|Financial Planning, Retirement|

Every little bit helps, especially in the worst inflationary period in 40 years. But for people who have to take Required Minimum Distributions (RMD) from Traditional IRAs, Inherited IRAs, and Retirement Plans, there’s good news. Beginning in 2022, the amount you’re required to withdraw goes down meaning your tax bill on those distributions goes down, too. People are living longer, [...]

Baby Boomer Retirement at Risk

By |2022-03-15T09:15:47-04:00March 15th, 2022|Financial Planning, Retirement|

The seven deadliest words in the English language—We’ve never done it this way before. And that certainly applies to Baby Boomers whose prospects for retirement are different than any preceding generation.   Many Boomers, those born between 1946 and 1964, have made their retirement plans based on their parent's generation. The World War II crowd retired with income from Social [...]

How the IRS Taxes Your Retirement Income

By |2022-03-10T15:29:49-05:00March 10th, 2022|Financial Planning, Retirement|

Oh, the day you can hang up your career and ease into that status you’ve been working toward most of your adult life, the place that brings a smile to your face, your happy place where you no longer answer to an employer, where you set your own schedule—that magical place called “Retirement.” You’ve been saving and planning and getting [...]

Knowing if Your Are Financially Ready to Retire

By |2022-02-08T15:50:43-05:00February 8th, 2022|Financial Planning, Markets, Retirement|

Retirement is a magical word. It means different things to different people. Whether it’s traveling the world and never having to work again, beginning a new career or business, or volunteering, you need enough income to pursue your definition of retirement. How much money do you need? The number is different for every person. But there are certain markers everyone [...]

Ask Bob: Two Confusing IRA Designations

By |2022-01-31T12:20:53-05:00January 31st, 2022|Financial Planning, Retirement|

“What in the world does that mean?”  I can’t tell you how many times I’ve been asked that question during almost 30 years in the financial industry. Clients naming beneficiaries on IRAs, 401(k) accounts, annuities, or insurance policies stop dead-in-their-tracks when asked to decide whether they want beneficiaries to receive proceeds from their account Per Capita or Per Stirpes. After [...]

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