Alpha Dog Advisors

06/03/2026

Trump Accounts Could Boost Young Wealth

06/03/2026

Have you heard about the new contribution limits from the IRS? Read about it in our article.

A look at the new retirement contribution limits from the IRS.

06/02/2026

What Does Financial Security Mean, and What Factors Can Help Support It?
Let’s connect and talk about the latest insights in the industry!

06/02/2026

True or false: Americans in March 2026 are applying for fewer mortgages than they were during the Great Recession.

True. And it's not even close.

96 OF THE 100 LOWEST NUMBER OF WEEKLY MORTGAGE APPLICATIONS SINCE 1999 HAVE HAPPENED IN THE LAST 3 YEARS! (according to the Mortgage Bankers Association's Mortgage Application Index)

Yet, unemployment today is a fraction of what it was during the financial crisis.

People aren't staying out of the market because they can't qualify. The market is gridlocked. Here's why. 👇

1️⃣ Millions of homeowners locked in at 3 percent during the pandemic. Selling means giving that up for another mortgage that may have a higher interest rate. So they're not moving.

2️⃣ If existing owners aren't selling, inventory can become thin, prices might stay elevated, and buyers wait for something to change.

3️⃣ Most are waiting for rates to drop. But when they do, demand may pick up, competition returns, and that window closes faster than expected.

Here's the truth about market timing: it almost never works the way people picture it.

The better question isn't "When is the right time to buy?" It's "Am I financially ready to move when the right opportunity comes?" 📋

06/01/2026

Rate Cuts Could Boost Markets

06/01/2026

How long does it take your money to double? The answer might surprise you. Enter a rate of return and see the Rule of 72 in action.

05/31/2026

What to Consider Before Rolling a 401(k) into a Roth IRA
Thinking of rolling your 401(k) into a Roth IRA? 🤔 Enjoy tax-free growth later, but get ready for an upfront tax bill! Find out who benefits most and how to avoid costly mistakes. Would you make the switch? 💸🔍
https://www.vusocial.com/agent-news/eduard-hamamjian/1579445-What-to-Consider-Before-Rolling-a-401%28k%29-into-a-Roth-IRA

05/30/2026

Choosing a Financial Advisor
Let’s connect and talk about the latest insights in the industry!
https://www.vusocial.com/agent-news/eduard-hamamjian/451719-Choosing-a-Financial-Advisor

05/29/2026

According to a Fidelity article, for the ‘25-’26 school year, the average published all-in cost at a 4-year public school for out-of-state students is $45,780, and the average private school costs $60,920.

So, because today is 529 Day (it’s 5/29, get it? 😂), it’s a good time to revisit one of the most flexible tools for tackling those numbers.

What 529 plans actually do:

📚 Tax-free growth and tax-free withdrawals for qualified education expenses. State tax treatment will vary, and so will fees and expenses.

📚 Use them for college, trade school, K-12 tuition, and apprenticeships. A 529 can even repay up to $10,000 in student loans.

📚 Whether a 529 qualifies for a state tax deduction will depend on your state of residence, as state tax laws and treatment may vary from federal tax laws.

📚 Superfund up to $95,000 in a single year by using five years of gift tax exclusions at once. But remember if you make nonqualified distributions, earnings will be subject to income tax and a 10 percent federal penalty tax.

📚 Minimal impact on financial aid—parent-owned 529s are assessed at a maximum rate of 5.6 percent.

Grandparents, parents, aunts, or uncles can contribute.

And starting in 2026, the K-12 annual withdrawal limit doubles to $20,000.

The best time to start was years ago. The second-best time is now.

05/29/2026

Saving for college doesn’t have to be as complicated as college itself.

Here's a crash course on saving for college.