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Welch Investments
Stewart Welch, CFP

Welch Investments founder and managing partner Stewart Welch III, AEP, CFP®, is a weekly financial columnist for via The Birmingham News. All of his columns are archived here for your reading pleasure. Mr. Welch has co-authored numerous books and regularly appears on various TV and radio shows including FOX 6 (Birmingham, AL), CNN (NY), Fox News Network (NY), CNBC (NJ), and is often quoted in national press including The Wall Street Journal, Fortune, Money and

If you have a financial question to be answered in the weekly column, fill out this form. Consult your own professional legal, tax or financial advisor before acting upon this advice.

Medicare – What You Must Do Right Now

If you are on Medicare, you are facing a quickly approaching deadline and making changes could save you thousands of dollars. My partner, Kimberly Reynolds, MS, CFP® gives tips on how to research and find the best plan for you in 2018. Stewart:  What is the deadline to make changes for 2018? Kimberly: Medicare open […]

100 Rules of Success: Be Your Word

What follows is the continuation of success habits that will become part of a book I’m writing, “100 Rules of Success”. RULE:  Be Your Word Trust is a fleeting asset; hard to earn, incredibly easy to lose, and once lost, it’s almost impossible to fully regain.  A few years ago, a friend and I invested […]

100 Rules of Success: Advice for New Employees (and Old)

What follows is the continuation of success habits that will become part of a book I’m writing, “100 Rules of Success”. RULE:  Lights On; Lights Off Do you remember the movie, ‘The Karate Kid’?  One of the most memorable scenes was when master martial artist, Mr. Miyagi, agrees to train Daniel in the art of […]

100 Rules of Success

Some people think that successful people are successful because they have been lucky.  Yes, luck does seem to play a role but my experience of working with hundreds of self-made multimillionaires is that luck is a byproduct of getting clear on what you want and then pursuing it relentlessly.  In fact, I believe that success […]

Avoid This IRA Rollover Trap

Reader Question: I was unaware of the once per year rule, and in 2016 I took a partial distribution simultaneously from two different IRAs: one Traditional and one Roth. I took these distributions twice within a six-month period in 2016. Both times, I returned the funds, to the penny, within 60 days, back into the […]

Hurricane Aftermath: Misconceptions about Flood Insurance

The only thing worse than enduring significant damage in a hurricane is realizing that your insurance company won’t cover your claim. According to a Texas insurance group, only about 15 to 20 percent of homeowners in Houston and Corpus Christi are insured for flooding — everyone else was out of luck after Hurricane Harvey struck. […]

Your Identity Has Been Stolen: NOW WHAT?

The Equifax cyberbreach almost seems like an old news story but I assure you, the main plot is yet to unfold.  On July 29th, Equifax discovered hackers had stolen critical data of 143 million Americans.  Do you think you are one of the lucky ones who was not affected?  Probably not.  Think about it.  There […]

New Restrictions on Reverse Mortgages and the Effect on Senior Citizens

The Department of Housing and Urban Development (HUD) has announced its intentions to change the requirements for its reverse mortgage program — specifically, to raise premiums and tighten up the limits on loans. But such a change could have tremendous ramifications for senior citizens, and there’s not much time to plan; the proposed revisions to […]

Thank You, Dad.

Recently, my father passed away one week shy of his 99th birthday.  Right up until his short hospital stay, he was living on his own, keeping his own yard, driving and coming into the office every day.    As I reflect on my best friend, I realize just how lucky I was to have him for […]

You’re a Smoker? Would You Rather Be a Millionaire?

I’m actually impressed by how many fewer people smoke today than a couple of decades ago.  Maybe the federal mandate requiring large-size warnings with all cigarette ads really did make a difference.  For those of you who still smoke, particularly younger folks, you’ll want to avoid New York City.  They just raised the price of […]