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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 AL.com 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 TheStreet.com.

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.

Creditor Protection for Education Plans

Over the past two weeks, I have reviewed key elements of the new bankruptcy law signed by President Bush last month.  In the first article, I discussed how the new law will make it very difficult to qualify for Chapter 7 bankruptcy and thereby wipe out your debts and give you a fresh start.  Instead, […]

Creditor Protection for Education Plans

Over the past two weeks, I have reviewed key elements of the new bankruptcy law signed by President Bush last month.  In the first article, I discussed how the new law will make it very difficult to qualify for Chapter 7 bankruptcy and thereby wipe out your debts and give you a fresh start.  Instead, […]

Creditor Protection For IRA Accounts

Last week, I discussed the new bankruptcy law signed by President Bush and how the law would make it much more difficult for people to wipe out their debts by filing Chapter 7 bankruptcy.  Under the new regulations, in most cases, they will be forced to go on a repayment plan (Chapter 13 bankruptcy).  An […]

New Law Tougher on Debtors

  Erasing debts by filing for bankruptcy is about to get much tougher. The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 was signed by the President this week. This new law will sharply reduce the number of people eligible to relinquish their debts through bankruptcy.   Currently, individuals file for bankruptcy under Chapter […]

Avoid Penalties on Your IRA

Last week, I wrote about investing ‘into’ an IRA. One of our California clients called with questions about taking money ‘out of’ an IRA early.  This question is a good one because most people aren’t sure what the rules are.  I will explain them—one at a time–because the rules are slightly different for a Traditional […]

Letter of Love

Last week, I discussed the importance of having a Living Will which the Terri Schiavo case had brought to the public’s attention.  If you missed last week’s column and would like to download a Living Will document that you can complete and sign, go to the Resource Center at www.welchgroup.com and click on ‘Healthcare Directive’.  […]

Decisions of Life and Death

In February of 1990, Terri Schiavo collapsed in her home and was rushed to the hospital. This was the beginning of what has become a very public story that has brought world attention and inspired the Vatican, the Governor of Florida and the President of the United States to weigh in on the heated debate.  […]

Buy Bonds Now or Wait?

Interest rates are clearly on the rise.  The Federal Reserve lead by Alan Greenspan has been raising short-term interest rates.  Many investors continue to have their bond money parked in money market accounts hoping to wait and invest when interest rates peak.  But will it really pay to wait? There is a good calculator you […]

How do you Spell STUPID?

According to the New Webster’s Dictionary, the definition of stupid is: Stupid: “Someone who is age 59 ½ or older, and who is eligible but not contributing to their 401(k) plan where the employer offers a matching contribution.”  Well, this isn’t actually what Webster’s says, but it could be one definition.  Most employer 401(k) plans […]

Tips for Selling Your Home

  Last week, I discussed the most effective way to find and work with a top realtor when selling your home.  An experienced realtor really can make selling your home easier and help you get your highest price.  Today, I’m focusing on some simple and inexpensive things you can do to help your home show […]