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 via The Birmingham News. All of the 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

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.


The $12 Million Roth IRA Strategy

Why is investing in a Roth IRA such a good strategy?  Anytime you can get money into a place where it grows income tax deferred, that’s generally a good strategy.  But if you can avoid income taxes on the growth plus avoid income taxes upon withdrawal, that’s a great strategy.  What makes it even more […]

Children and Money: How Young is Too Young?

A long-time friend of mine asked me my thoughts about how much financial support he should provide for his college-bound daughter.  To her credit and on her own initiative, she took course work to become a licensed massage therapist, enabling her to earn a good living.  In his case, he is in a financial position […]

The #1 Reason for Divorce?

For decades, the divorce rate in America has hovered around fifty percent.  And while the reasons vary, a common thread for the majority of divorces includes money problems. In fact, some studies suggest that money problems in a marriage are the number one cause of divorce.  The financial and emotional toll of a divorce can […]

The 5% Rule for Stock Investing

There’s no such thing as a ‘risk-free’ investment.  Even seemingly risk-free investments such as FDIC insured CDs, Money Market Accounts and U.S. Treasury Notes carry risks including long-term devaluation due to inflation and loss of purchasing power. Once you move into stocks, clearly no stock is devoid of risks.  Stocks by their very nature have […]

The Psychology of Successful Investing: 3 Keys

As we approach nine years of a bull market, it’s important to pause and review the keys to successful investing over a lifetime.  Success in a bull market is not that difficult but creating success over a lifetime is a challenge that most individual investors will fail…and fail miserably.  According to one study, the average […]

Charitable Giving? Planning Now Can Save You Big Bucks!

With the new tax law, you need to start planning your 2018 charitable giving now versus year-end. While the decision to give to charity is typically not driven by the tax benefits received, you still want to ensure you are maximizing your tax savings each year.   The new tax law nearly doubled the standard deductions […]

Drugs: Are Your Children at Risk?

It’s impossible to measure the human toll and financial impact the opioid crisis is having on families across America but addressing this problem is one of America’s most critical issues.  Last year, more people died from drug overdose (66,000 estimated) than American service people killed in the entire Vietnam War!  The annual number for opioid […]

529 Plans- The Best Choice for College Funding

In just a couple of months hundreds of thousands of young adults will be headed for college…and facing ever-rising tuition and fees.  The average annual cost for a public college is around $25,000 and you can expect about double that amount for private colleges.  Many college students are taking five years to complete their college […]

Getting Out of Debt FAST

Mounting personal debt is an ever-present problem in America.  Today, the average debt per household is $137,000 while average income is less than half that amount.  After debt payments, income taxes and normal living expenses, the typical American family is struggling with their personal finances.  Some of this debt makes sense and is appropriate but […]

My Plan

100 Rules of Success: Power Up Your Bucket List

What follows is the continuation of success habits that will become part of a book I’m writing, “100 Rules of Success”.  Rule:  Power Up Your Bucket List Somewhere along the way you’ve heard someone talk of their ‘bucket list’.  It’s a list of all the things they dream of accomplishing if they had the time […]