RS Crum, Inc.
Ashley Bleckner is an Advisor with RS Crum and also works in collaboration with a number of the lead advisors in the areas of financial planning and client service. RS Crum specializes in providing objective financial advice to help clients manage, grow, and protect their assets during their working lives and through retirement. Ashley and the team has a mission to help people make sound financial decisions, accumulate and preserve wealth, and otherwise pursue their life goals without the burden of financial stress.
Prior to committing to RS Crum, Ashley spent over three years with a wealth management firm based in Toledo, Ohio serving as a Client Relationship Manager where she helped develop, coordinate, and implement financial plans and manage day-to-day client requests. Ashley takes great pride in her client relationships. Actively involved in the community, Ashley is a member of the Orange County FPA and CalCPA. Ashley has volunteered her time on a number of philanthropic projects, including WomanSAGE, “It’s Your Money,” Alzheimer’s Orange County, and is a co-founder of the Austin Kudzia Scholarship.
Ashley has a passion for travel, education and the arts. She has previously studied in Florence, Italy and has taught several college classes in Economics. Ashley has a Bachelor of Science in Business Economics from Miami University and a Masters of Arts in Economics from Bowling Green State University.
MA, Economics, Bowling Green State University
BS, Economics, Miami University (OH)
Assets Under Management:
R.S. Crum Inc. is a fee-only wealth advisory firm. Our services are directed primarily toward individuals or families who have accumulated significant net worth. For information regarding a specific service, please contact one of our advisors. SEC Disclosure: Investment advisory services offered through R.S. Crum Inc., a registered investment advisor. Treasury Circular 230 Disclosure. In order to comply with requirements imposed by the Internal Revenue Service, we inform you that any U.S. tax advice contained in this communication (including any attachments) is not intended to be used, and cannot be used, for the purpose of (a) avoiding penalties under the Internal Revenue Code or (b) promoting, marketing, or recommending to another party any transaction or matter addressed herein. Privacy Notice. This message is intended for the person or entity to which it is addressed and contains information that may be confidential or exempt from disclosure law. You are hereby notified that copying or any use of this communication, except in accordance with its intended purpose, is strictly prohibited.
I personally have my emergency fund in a savings account at an online bank (specifically Capital One). Some are very reliable.
But, like everything else - it's important to do your reserach. Not all online banks (or brick and mortar banks, for that matter) are created equal.
Do you know how much you have in your IRA? Do you know how much of the IRA money is in cash? You should be able to gather this information through your statements or account portal. If the cash balance is less than the account balance, you probably have some of the money invested in the market.
But, you are absolutely correct. You are able to invest in mutual funds within your IRA by either using the cash available or selling the current investments and investing the proceeds in mutual funds. I would recommend calling your advisor or bank if you need assistance. I’d also be happy to jump on a call with you to answer any questions.
That is wonderful! Dividend stocks can be a great investment in an IRA.
In regards to costs, it depends on the stock(s) you are interested in and the custodian that you use. Here are some things to consider:
- Account fees - these are usually small, if there is one. Many times after a certain account balance, the fee is waived.
- Dividend stock price - this is the price that the stock is currently tradinig (will vary throughout the day)
- Alternative: mutual fund and/or ETF (that holds hundreds or thousands of dividend stocks in one holding) - will have fund exenses, but redcuces risks inherit with inidvidual company
- NOTE: Avoid load/commission funds
- Trading costs - these can be small or non-existent depending on the bank/custodian you use
In sum, you can start inviesting in dividends stocks in your personal IRA for relatively low costs.
Feel free to give me a call if you have follow up questions or would like to discuss further.
A balance transfer could be a great option for you. There are a few things to consider:
- Usually requires good credit to do
- Balance transfer may temporarily hurt credit
- Read fine print - new purchases may not be held to the same 0% interest
Feel free to give me a call if you have any questions.
Nerd Wallet outlines credit cards pretty well. Great resource to check out.
Given your budget constraints, I recommend saving the property tax money in a high yield interest account (savings or money market). You won't recieve a signficifant amount of interest, but the principal is safe for the known upcoming expense.
Happy to chat further or discuss your specific circumstances.