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Tag Archive: tony wiley

Silent Thief

Tony Wiley

For years now, with record low interest rates, many have come to the belief that inflation is a non-factor. Before I address that assumption, let us first understand what inflation is. In its simplest terms, inflation is an increase in the price of goods and services in an economy over a period of time. It reduces purchasing power and has been referred to as the “Silent Thief”. Historically, inflation is said to grow at around 4% per year. That means one dollar today should be...

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Who Really Owns Your 403(B)?

Tony Wiley

I have made the acquaintance of many educators over the years; both retired and still in service.   I was fortunate enough to meet many of them while working with one of the 403(b) providers in the public school systems. Most of them had regularly contributed to their accounts as a way to supplement their pensions. What I’ve found is that the vast majority were not aware that there had been major changes made to 403(b)s over the last several years. First, let’s describe what a...

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