Antonio Cibella-Vision Wealth Management

Antonio Cibella-Vision Wealth Management We believe in education. Our goal is to provide sound advice to everyday people to assist them in ac

Believe it or not, it might be possible to have too much Roth IRA money! It's important to have a balance of funds going...
10/27/2023

Believe it or not, it might be possible to have too much Roth IRA money! It's important to have a balance of funds going into retirement, and if you are 100% Roth you may be missing out on some opportunities.

Book your call here:https://www.antoniocibella.com/retireIs it possible to have too much money in a Roth IRA? Believe it or not the answer might actually be ...

I'm still surprised that sometimes I come across folks who are only a few years away from retirement and they haven't en...
09/12/2023

I'm still surprised that sometimes I come across folks who are only a few years away from retirement and they haven't engaged in any meaningful financial planning yet.

Planning for the future is something we all should be doing, but it takes on special importance the closer you get to retirement. Check out the video for 3 things you need to do before finalizing your plans to retire!

If you are getting ready to retire you need to make sure you've prepared for retirement. I see a lot of people going into retirement who haven't truly planne...

Cash is paying more now than it has in years. Here's the thing - most folks looking for a CD look for the highest rate f...
07/21/2023

Cash is paying more now than it has in years. Here's the thing - most folks looking for a CD look for the highest rate for the shortest term. Don't sell yourself short by locking in a short term if you don't intend to use the money that quickly.

It's important to match money in your portfolio with the goals you have for your financial future. Don't just buy the promo rate CD because it's easy, plan ahead, it can pay dividends in the long run.

Where should you invest cash in 2023? Interest rates have risen substantially and it's become more important to invest your cash in 2023 than in years. The q...

Americans continue to fall behind on their debt payments at a growing pace. The combination of rising costs, and rising ...
06/01/2023

Americans continue to fall behind on their debt payments at a growing pace. The combination of rising costs, and rising interest rates is pushing folks to the brink.

A recent study from the NY Fed shows a nearly 50% increase in the number of folks who are 90 days past due in the past year. With student loan payments likely to start up again in a few months these numbers are likely to get worse. Is that enough to push us into a recession? Check out the video below where I break it all down.

As inflation has driven up prices, and the Federal Reserve has driven up interest rates, the cost of living, and the cost of debt payments have risen in tand...

Americans are not prepared for retirement. That isn't exactly breaking news, but it's certainly true. More importantly -...
05/16/2023

Americans are not prepared for retirement. That isn't exactly breaking news, but it's certainly true. More importantly - what can you do to get back on track if you feel like you have let your retirement saving fall behind?

We break down the current state of retirement savings, as well as give 3 tips to get on track in our latest video.

We've all heard it before, there is a retirement crisis brewing in America. Americans have not saved enough for retirement. Exactly how bad are the numbers? ...

First Republic Bank was the second largest bank failure in US history. Another casualty of substantially increased inter...
05/04/2023

First Republic Bank was the second largest bank failure in US history. Another casualty of substantially increased interest rates and their impact on banking balance sheets, the question becomes - are they the last domino to fall in the 2023 banking crisis?

Check out the video below for my take on what happened to cause the failure of the what was once the 19th largest bank in the country.

First Republic Bank failure explained.No doubt by now you've heard about the 2nd largest bank failure in the US. If you are wondering what happened to First ...

How is life insurance taxed? It depends on whether you are talking about the money you put in, the money you take out, o...
05/01/2023

How is life insurance taxed? It depends on whether you are talking about the money you put in, the money you take out, or the money that pays to your beneficiaries.

I'll break down how it all works in the latest video, check it out here:

Is life insurance taxable?Life insurance can be one of the most confusing financial vehicles around, and whether it is subject to tax depends on a lot of thi...

When to take Social Security is perhaps the largest single financial decision most folks planning for retirement have to...
04/25/2023

When to take Social Security is perhaps the largest single financial decision most folks planning for retirement have to make. The common advice is to wait to create a larger future benefit.

Sometimes that's not the right move. I'll give you 3 things to think about when electing your Social Security, and why sometimes it makes sense to take Social Security early. Check it out!

3 Reasons to take Social Security Early:When should you take Social Security? Lots of folks will tell you that you need to wait to take it. Sometimes it make...

If you are at or near retirement right now the market is probably giving you heartburn. Is it smart to retire in a down ...
04/18/2023

If you are at or near retirement right now the market is probably giving you heartburn. Is it smart to retire in a down market?

While it can certainly feel scary to pull the trigger on retirement in any market, doing so in a down market can be even scarier. Creating a plan for your retirement income can help you get more comfortable with the decision to retire. Check out the latest video for some ideas on how to construct a retirement income plan.

If you are contemplating retirement you no doubt know that we are in a down market. Is it smart to retire in a down market? Are there ways you can insulate y...

Lots of folks have HSA accounts these days, but have you thought about utilizing it as a part of your retirement plan? F...
04/13/2023

Lots of folks have HSA accounts these days, but have you thought about utilizing it as a part of your retirement plan?

Funding an HSA with the idea that you will use the money to cover medical costs in retirement can be a powerful planning tool. If that's not something that you've considered.... watch the video and hear about how it works.

Is the Health Savings Account the best retirement account yet? HSA Accounts (health savings accounts) are growing in popularity. We explain how you can use a...

Did you know you can make too much money to contribute to a Roth IRA? Well you can.If you want to know how much you can ...
04/04/2023

Did you know you can make too much money to contribute to a Roth IRA? Well you can.

If you want to know how much you can make before you start to lose that chance.... well I'm not just going to type it out for you. You're gonna have to go and watch our latest video!

Everyone wants tax free income in retirement. Seriously, who wouldn't want tax free retirement income? That's part of what makes the Roth IRA a favorite reti...

One of the biggest changes with Secure 2.0, and one that isn't getting much press is that RMD's (required minimum distri...
03/29/2023

One of the biggest changes with Secure 2.0, and one that isn't getting much press is that RMD's (required minimum distributions) have changed again as part of the new legislation.

Check out the latest video for the new rules on RMD's and how they work!

Required minimum distributions are one of the most financially misunderstood topics around. To top it all off in 2023 the rules for Required Minimum Distribu...

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Broadview Heights, OH
44147

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