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.

Financial Planning for Millennials

After 40+ years in the financial services industry, I’ve been able to work with many different individuals and families from all walks of life. Coming from the Baby Boomer generation, I’ve seen and dealt with most of the financial planning challenges of my generation. The Millennial generation has a different set of challenges and different […]


Roth or Traditional IRA: Which is Best?

Last week our discussion centered on your Financial Checklist for the New Year and included making both your 2018 and 2019 contributions to either a Traditional IRA or Roth IRA as soon as you’re able…hopefully this month.  If you’re ready to make that investment or at least set up a monthly auto-investment plan for one […]

Financial Checklist for the New Year

The New Year always gives us a sense of new beginnings and an opportunity to create positive results for ourselves, family, friends and community.  It’s the perfect time to reset the course of our financial lives.  Here’s a checklist of things you should consider: ⃝ Traditional or Roth IRA contribution for 2018.  If you’re eligible to […]

Investing for 2019

As investors, we’re pretty happy to see 2018 come to an end.  This has been a year marked by stock market volatility for numerous reasons including trade wars, rising interest rates, Brexit, etc.  The big question is, “What’s in store for 2019 and what should I (as an investor) do about it?  Here’s what some […]

5 Goals for 2019 That Will Change Your Life

How good do you feel about what you’ve accomplished over the past twelve months?  How about the past 5 years?  A lot of people find themselves caught in the cycle of living day-by-day only to wake up a year or more later with not a lot to show for it.  If that’s you, start with […]

I Can Predict Your Financial Future

After thirty-something years working with people and their finances, I have developed an uncanny ability to predict their financial future…usually after as little as a five-minute visit.  I can even do it if I’ve never met you.  Here are my predictions for your success in 2019: I predict… that if you set financial goals for […]

Christmas is the Time for….

Giving.  The Birmingham region has a national reputation as one of the most generous giving communities in the country.  United Way of Central Alabama annual fund raising consistently ranks tops in the nation and exceeds the giving of many cities much larger than Birmingham. As we put Thanksgiving behind us and approach Christmas and all […]

Retirement Savers: How Do You Stack Up?

Fidelity Investments recently released a study of its more than 30 million retirement account customers showing good news about average retirement account balances.  The average account balance for 401-k savers was $106,500, a seven percent increase over twelve months ago.  Investors who have been invested for five years accumulated, on average, $221,000.  Those invested for […]

Tis The Season for Giving

As the Thanksgiving Holiday approaches and we focus on what is most important in life, many will also begin planning for their annual charitable contributions.  One of the most gratifying aspects of my job is helping people achieve a charitable intent, which ultimately manifests itself in a positive benefit on our community.  I am amazed […]

Alabama in Top 10 and it’s Not Football!

Alabamians have grown accustomed to seeing a top ten ranking when it comes to the College Football Playoff poll.    Now Alabama is top ranked in another poll.  Morningstar recently released its Morningstar Analyst Ratings for the best 529 college savings plans for 2018.  Alabama received a “Silver” ranking, making it one of the Top 8 […]