Welcome to Our Blog

We intend to be active in providing blogs on topics that are focused on helping people understand and deal with specific issues involving personal finances, including planning for the future, the nature and scope of financial services, and managing your portfolio in today’s market without losing sight of your future goals.

We believe there is a need for sound financial advice delivered in a timely manner from people you trust. The team at St. John and Associates has deep financial experience, and we are pleased to share that experience with you.

Greg, Bryan, guest writers and I will be posting things regularly that we hope you will find useful in your financial life. As always, feel free to contact us directly by phone or email with any questions.

Richard St. John, Founder

Why Should I Consider a ROTH Conversion?

by St. John & Assoc on Dec 1, 2017

Roth conversion, Tax savings, IRA to ROTH, maximize tax savings

Each year there is the opportunity to convert some or all of your IRA account assets to a ROTH account. The purpose in doing so is to eliminate the Federal and State tax on any future distribution amounts and enable you to withdraw funds earlier without penalty. Funds including gains held in ROTH account can be distributed tax-free subject to some manageable restrictions.

Savings Rates on the Decline

by St. John & Assoc on Nov 22, 2017

saving, Savings, savings rate, consumption

You don’t hear much about America’s personal savings rate these days, and the reason may be because the news is discouraging: collectively, the percentage of our income that we save is trending downward again, and may be about to hit record lows. The Federal Reserve Bank of St. Louis tracks the U.S. personal savings rate, going back to the late 1950s, when people were setting aside around 11% of what they made. Americans achieved a record 17% savings rate in the mid-1970s before a long decline set in.

What's the Difference between Commissions and Advisory Fees?

by St. John & Assoc on Nov 22, 2017

commission, advisor, advisory fees, fees, fee only, financial advisor, financial advisor firm

There is much confusion by consumers in understanding the term “financial advisor” and how they are paid. Today there is no legal definition, regulation or restriction as to who can use this designation, but there is a big difference in the services different financial advisors provide and how their fees are collected.

Why all the commercials this year about Medicare Part D?

by St. John & Assoc on Nov 8, 2017

Medicare Part D, Part D, Enrollment, Retirement, Prescription Drug Benefit, Medicare

Are you wondering why in the world there are so many television advertisements this time of the year about Medicare Part D?  Is this something I should be worried about, because I already have coverage?  Why all the fuss? Because it can be, and often is confusing!

Don't Miss Open Enrollment for Health Care

by St. John & Assoc on Oct 27, 2017

Health Care, ACA, Open Enrollment, Obamacare, insurance exchanges

Each year, the Affordable Care Act - popularly known as Obamacare - creates a period when health insurance policyholders can buy or change their coverage through state exchanges or the government website. 

It’s important to pay attention: the government has dramatically reduced the open enrollment period this year; in most states it starts November 1 and ends December 15. This is very important because you cannot enroll outside of open enrollment unless you have a “qualifying event,” such as:

How Delicate is the Economy and the Equity Market?

by St. John & Assoc on Oct 20, 2017

There is a growing concern that the slightest thing going wrong could turn the economy and halt the continuation of the bull market. As we look back at recent months, domestically we have seen 3 major hurricanes devastate Texas, Florida and the Caribbean, political unrest and dysfunction in Washington, and an NFL feud about the National Anthem with civil rights groups’ unrest.

Changing with the Times

by St. John & Assoc on Oct 13, 2017

Times are changing, as are the demographics of our society and the speed of digital communications. We are excited to announce our initiatives to meet those changing needs.

St John & Associates has been a fee only independent financial advisory firm in Georgia for over 25 years. We have always partnered with clients to help them make sound and timely financial decisions and achieve their lifestyle goals in compliance with the fiduciary standards set by our membership in NAPFA. Now, we will be able to service our client’s needs wherever they happen to be.

Sandwich Generation Questions

by St. John & Assoc on Oct 5, 2017

Have you heard the term "Sandwich Generation?" The Wikipedia definition is a generation of people (usually in their 30s or 40s) who care for their aging parents while supporting their own children. Pew Research Center suggests that 1/8th of Americans between the ages of 40 to 60 are also in this dilemma, raising a child and caring for a parent.

At St. John & Associates, we act as the "quarterback" to inform and assist our clients with these types of complexities, while helping you see your plans through to completion.

College Admission Reality Check plus Taking A Gap Year After High School

by St. John & Assoc on Sep 29, 2017

Parents who are worried about their children’s admission chances should know upfront that the odds of getting accepted at most four-year colleges and universities are not grim despite media accounts.

Exhaustive yearly surveys of full-time college freshmen by UCLA’s Institute of Higher Education Research Institute consistently show that roughly three out of every four applicants get accepted into their No. 1 pick.

Is Passive Investing in Index Funds a Recipe for Danger if the Market Corrects?

by St. John & Assoc on Sep 20, 2017

When you look for stocks to own, most investors do research to find the best growth or reasonable value, perhaps the best products or best management. If we look at the widest index fund being used right now, the S&P500, and break down what exposures you have to a market correction, you will see the highest valuations and arguably the ones at most risk in the equity market make up the largest positions in the index. The largest 5 stocks make up 12% to 13% of the whole index.