Understanding Today’s Financial Environment
Welcome, I’m Michele McCarty-Woods, a Financial Advisor serving Des Moines, Iowa and the surrounding communities. I understand that individuals face unique challenges as they prepare for retirement. Let me help take the mystery out of preparing for today and tomorrow. Whether your goal is saving for retirement, college savings, or estate strategies, my personalized service focuses on your needs, wants, and financial goals and objectives.
With over 28 years of experience in the Financial and Insurance Industry, I have a wealth of knowledge and expertise. My company, Retirement Resources USA, Inc., is on Lake Panorama in Panora. My home, on the north end of the Wakonda Golf Course, is also available for meetings by appointment only. Simply call my office for details.
Outside of the office I am committed to my husband and four children and I love riding horses. I can help you address your needs of today and for many years to come and look forward to working with you through all stages of your life. It does not cost anything to meet with me, so please call.
Mutual Funds vs. ETFs
Exchange-traded funds have some things in common with mutual funds, but there are differences, too.
9 Facts About Retirement
Regardless of how you approach retirement, there are some things about it that might surprise you.
Consider how your assets are allocated and if that allocation is consistent with your time frame and risk tolerance.
In the event of an unforeseen accident or illness, disability insurance may be a good way to protect your income and savings.
Understanding the economy's cycles can help put current business conditions in better perspective.
It may help your business be better prepared in the event of the death of a principal or key employee.
There are things about Social Security that might surprise you.
Don't let procrastination keep you from pursuing your financial dreams and goals.
When selecting a fixed-rate mortgage, a borrower has to determine how many years to finance the loan.
This questionnaire will help determine your tolerance for investment risk.
Use this calculator to assess the potential benefits of a home mortgage deduction.
This calculator may help you estimate how long funds may last given regular withdrawals.
This calculator can help you estimate how much you may need to save for retirement.
Help determine the required minimum distribution from an IRA or other qualified retirement plan.
This calculator can help you estimate how much you should be saving for college.
What does your home really cost?
$1 million in a diversified portfolio could help finance part of your retirement.
Have you explored all of your choices when it comes to managing your taxable income?
There’s an alarming difference between perception and reality for current and future retirees.
Why are 401(k) plans, annuities, and IRAs so popular?
The decision whether to buy or rent a home may have long-term implications.