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The Welch Group
Stewart Welch, CFP

Welch Group founder and managing partner Stewart Welch III, AEP, CFP® and other firm partners provide a weekly financial column for AL.com via The Birmingham News. All of the AL.com 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.

College Student? Do This!

I want to encourage all college students (and their parents) to give considerable thought about how your choices now will impact your future.  Look into your crystal ball at the time of graduation; then five years later; then ten years later…and do it from a financial perspective based on the major you’ve chosen (or are […]

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 […]

Own Your Home? Follow These Tips

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.  Tip #14: Share Home Maintenance Tools Consider splitting the cost of a high-priced home maintenance tools that you rarely use. A few years ago, […]

Retirement Savings: How Much is Enough?

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. Tip #22: Incrementally Increase Your Savings Over Time One of the best things you can do when starting out in the “real world” is […]

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 […]

What I’m Doing About My Social Security

I woke up in the middle of the night thinking about Social Security.  While this is not the topic you want to keep you up at night, I did think my thought process might be helpful to others who must make the important, and often irreversible, decision about when to begin taking Social Security retirement […]

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, […]

Want Free Financial Advice? Dont Miss the May 20th Alabama Money Expo!

Most people could benefit from financial advice but, in many cases, they simply don’t know where to go to get sound advice and they don’t want to find themselves in the middle of a sales pitch.  Look no further than the 2017 Alabama Money Expo being held on Saturday, May 20, at UAB Hill Student […]