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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

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5 Money Tips for College Students

Soon thousands of young adults will head to college, many for the first time.  As parents, what is it that you hope they’ll learn from the college experience?  Personally, I ‘rolled’ into college, through college, and out of college without giving the whole process much thought.  Fortunately, once I graduated and got a job, I […]

Six Rules of Successful Investing

Investing is a big mystery to a lot of people.  The financial press and cable news shows fill the space with extraordinary investor or investment stories, one after another.  How are these people so smart when it comes to investing?  Yes, there are always a handful of exceptional stories but the truth is that becoming […]

July 4th, Financial Independence Day

On July 4, 1776, a small band of colonial leaders declared independence from the Kingdom of Great Britain.  The American Revolution changed the course of world history forever and launched a nation that no other has since rivaled. In the spirit of the heroes of the American Revolution, would you be willing to consider declaring […]

Living Large on a Small Budget

The following is a modified excerpt from my recently published book, “100 Tips for Having a Champagne Retirement on a Shoestring Budget”, which was a collaboration among all of my associates.  Can you have the car of your dreams even if you don’t have a lot of cash?  Absolutely!  A friend of mine owned a […]

Is Your IRA Safe from Lawsuit?

That was a big unanswered question on the minds of financial advisors and many IRA owners throughout Alabama until recently.  Now advisors can confidently tell their clients that their IRA is protected against the claims of creditors. Unlike 401k and similar plans which are protected from creditors under federal law, IRAs, if protected at all, […]

What’s in Your Wallet? 6 Tips for avoiding ID Theft

She was pushing the grocery cart down the aisle with her purse in the upper basket. She looked away for just a moment to select an item from the shelf and someone stole her purse. He left his wallet on the passenger seat of his locked car while he ran back into the house to […]

“I Graduated from College, Now What?”

You just graduated from college?  Congratulations and welcome to the real world!  Just as leaving home and going to college was an abrupt change that required many adjustments on your part, so too will be the transition to getting a job and being fully responsible for your own financial wellbeing.  Here are some tips to […]

“Retirement: Are You on Track?”

Even for millennials, retirement will be here before you know it.  So, how are you doing?  Yes, I mean you personally.  Below is a crude measuring stick you can use to see if you are on track for saving enough money so that you don’t have to take a huge cut in income during your […]

“Age 70? Here’s a Little-Used Tax Strategy”

In 2015, Congress made permanent the law allowing Qualified Charitable Distributions (QCDs) which allows someone who is age 70½ or older to make Required Minimum Distributions (RMDs) directly to a qualified charity and exclude that distribution from income. As a reminder, when you turn age 70 ½, you must begin to take IRS-mandated minimum distributions […]

“Money-Wise Even in Death”

A number of years ago, a long-time friend’s wife passed away suddenly and he was faced with making all of the decisions concerning her funeral.  As a foreign national, he was challenged with both speaking and understanding English so I agreed to accompany him to the funeral home to arrange services.  This was the first […]