Author Archives: Roger Simard

About Roger Simard

Roger P. Simard, CFP® Roger P. Simard is the founding principal of Genesis Financial Advisors, LLC, and Genesis Tax Advisors, LLC. He heads the firm's corporate and personal financial planning practice and oversees all operations. Mr. Simard concentrates his work in the fields of financial planning, real estate investing, tax planning, and portfolio management. Mr. Simard is a Certified Financial Planner™ and has over 23 years of experience helping individuals and businesses achieve financial success. Mr. Simard was a speaker for The Prudential Spirit of Community Awards, a nationwide youth recognition program honoring secondary school students for outstanding service. He is a frequent speaker and radio guest on business and taxation issues and successful investment strategies and provides Continuing Education classes for Realtors.

Still Don’t Understand Your Retirment Plan Options?

Owning a fully paid for rental property in your IRA or 401(k), professionally managed by a quality property management company, can offer an excellent monthly income stream that you cannot outlive. Continue reading

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Fiscall Cliff AND End of World Averted!

It seems we are still here - at least to me. With the end of the world averted on December 21st, 2012, the next big fear was the “fiscal cliff”. It seems a temporary stay has been issued and we can … Continue reading

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December 21, 2012

Since this might be the last day on earth I thought I would take a minute to post a short poem. It doesn’t really have anything to do with finance or taxes or IRAs or 401(k)s; I just thought that … Continue reading

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Obamacare is going to tax my 401(k)! (not really)

Recently I have been hearing a lot about how 401(k)s are going to be taxed under Obamacare. Now that the election is over the Patient Protection and Affordable Care Act (PPACA) that became law back in March 2010 is here … Continue reading

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How To Enjoy Tax Free Retirement Income (part2)!

This gives him an effective tax rate of 3% today, a rate he would likely never see during retirement. Continue reading

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How To Enjoy Tax Free Retirement Income!

Most everyone is aware of the opportunities the Roth IRA provides in the way of accumulating tax deferred dollars and then enjoying tax free distributions. Of course this extends to owning real estate in your Roth IRA (or post-tax 401(k) … Continue reading

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Buying Rental Real Estate With Your IRA or 401K

Yes you can direct your custodian or trustee to purchase investment real estate with your IRA or 401(k). If you have the right type of plan. A truly self directed IRA or 401(k) allows you the control over what you … Continue reading

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What type of Self Directed Retirement Plans are there?

Self directed IRAs and 401ks can mean different things to investors vs. stock brokerages. Self directed IRAs have higher ongoing costs in comparison to Self directed 401ks. Continue reading

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Giving up on Retirement?

A past article in USA Today (Market hurting returns on US retirement plans – May 16 2008) states that more than 25% of workers age 45 – 64 have postponed plans due to the sputtering economy. That was back in … Continue reading

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Will The President Provide Economic Security?

The question is not one of public policy or who should be president, but how do we as a nation (and advisors) help create a sense of security for each and every one of us. Continue reading

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