• No, Trump's impeachment wouldn't kill your retirement plan
    August 23, 2018
    anemptytextlline
    Joe Heider, president of Cirrus Wealth Management, is included in Martha White’s NBC News article discussing how an impeachment of President Trump would affect markets. “If he were to be removed from office, there’s no reason to believe that [Vice President Mike] Pence would change any of those policies. I think there’s a very strong argument that could be made that the markets would be more stable under Pence than they would be under Trump,” he says.
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  • Using Annuities In 401(k)s: The Debate Continues
    August 20, 2018
    anemptytextlline
    Ben Mattlin of Financial Advisor includes Joe Heider, president of Cirrus Wealth Management, in an article discussing the use of annuities in 401(k)s. “Each plan participant may be better served by different annuity offerings, [and] this represents an impractical barrier for plan fiduciaries. Annuities are complicated instruments because of their surrender periods and liquidation penalties. Due to these facts, they are not easily reviewed by plan sponsors and fiduciaries,” he says
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  • 7 things you think have been saving you money, but actually aren’t
    August 14, 2018
    anemptytextlline
    Ryan Heider, financial advisor at Cirrus Wealth Management, is included in Cheyenne Lentz’s Insider article discussing common money mistakes people are making. “Many subscription services start out very convenient, but later on, end up breaking the bank. This leads to customers being charged indefinitely for some product or service they are never using,” he says.
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  • Nightmare Clients? Here’s How These Advisors Treat Them
    August 10, 2018
    anemptytextlline
    Ben Mattlin of Financial Advisor includes Joe Heider, president of Cirrus Wealth Management, in an article discussing how to handle difficult clients. “The client may be expecting something from you that you’re not prepared to deliver. Talking about misunderstandings can help clear the air. Find out what the cause of the discord is. If necessary, it may be best to suggest to the client that he or she would be better served with another advisor -- and that you can assist in that move,” he says.
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  • How to Finesse Finances with Your Spouse
    July 20, 2018
    anemptytextlline
    Joe Heider, president of Cirrus Wealth Management, is included in Maryalene LaPonsie’s U.S. News & World Report article discussing how couples can discuss finances with each other. “Understanding your significant other’s backstory is extremely important. Usually what’s embedded in the battle is that one person wants it now and the other person is worried they will always be destitute,” he says.
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  • 5 Ways Convenience Is Killing Your Budget
    June 15, 2018
    anemptytextlline
    Maryalene LaPonsie of U.S. News & World Report includes Ryan Heider, financial advisor at Cirrus Wealth Management, in an article discussing how convenience can add unnecessary expenses to your budget. “A lot of these subscription services start being very convenient and then end up burning your budget. If you haven't used one in two weeks, let it go," he says
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  • Q: Pay Off Debt or Save for Retirement? A: Both
    June 4, 2018
    anemptytextlline
    Andrea Coombes of NerdWallet includes Joe Heider, president of Cirrus Wealth Management, in an article discussing how workers can pay off debt while saving for retirement. Heider comments on starting up an emergency savings account, “Having at least a couple of months’ worth of expenses saved up is good planning. You lose your job, you get laid off, you get sick — it gives you a bit of a cushion when you need it most.”
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  • Rethinking Retirement Rules
    June 2, 2018
    anemptytextlline
    Reshma Kapadia of Barron’s includes Joe Heider, president of Cirrus Wealth Management, in an article discussing unforeseen expenses and the investor impact of a market dip. “The dilemma is if those ‘unforeseen’ expenses become somewhat of a regular occurrence. If the markets fall 20 percent and the kids have become accustomed to that money, it’s going to be problematic,” he says.
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  • Uncapped Fixed-Indexed Annuities
    June 1, 2018
    anemptytextlline
    Joe Heider, president of Cirrus Wealth Management, is included in Ben Mattlin’s Financial Advisor article discussing uncapped fixed-indexed annuities (FIAs). “Uncapped FIAs will normally outperform FIAs with caps when the equity markets are generating a very high return, and underperform in other years,” he says.
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  • New job? How to become a retirement-plan rollover champ
    May 23, 2018
    anemptytextlline
    Mark Henricks of CNBC.com includes Joe Heider, president of Cirrus Wealth Management, in an article discussing the options for rolling over past 401(k) funds. “If something comes up that's unexpected, such as you're fired or laid off, don't feel pressured. Take a little bit of time, get over the emotion of the moment, and sit back and look at all your options,” he says.
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  • 5 Things Investors Got Wrong About the Markets This Year — and How You Can Profit From Their Mistakes
    May 17, 2018
    anemptytextlline
    Joe Heider, president of Cirrus Wealth Management, is included in Ryan Derousseau’s Money article discussing why investors shouldn’t panic when Wall Street shows signs of distress. As the saying goes, ‘bull markets like to climb a wall of worry.’ Instead, “Use rising volatility as an opportunity to reevaluate how much risk you want in your portfolio,” he says.
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  • The Case for Holding in May and Not Going Away
    May 11, 2018
    anemptytextlline
    Rebecca Lake of U.S. News & World Report includes Joe Heider, president of Cirrus Wealth Management, in an article discussing where the idiom, “sell in May and go away,” comes from and how investors should think about this advice. “September is generally the worst-performing month of the year, and the summer months tend to be flat. So if you split up the year from October to May, you have a better performance pattern during those months,” he says.
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