Chad Sheiner, Financial Advisor at RBC Wealth Management

I had the absolute pleasure of teaching Financial Planning and Wealth Insights to the cadets at Detachment 105 at CU Boulder. We talked finance, investing, business, asset mix, life during and after the military, and we covered the importance of taking advantage of all the benefits being active duty military provides! They are off to a great start and it was encouraging to see that the majority of the cadets already have a Roth IRA opened and are working towards creating financially independent futures.

After spending time with these bright students and soon to be Air & Space Force officers, I have confidence that the future of our country's national defense will be in great hands.

Do you use target date funds? Are you aware that the fixed income and value of the bond holdings in target date funds can be significantly diminished should the Federal Reserve raise interest rates? What some consider a safe play for getting to retirement may be riskier than one may think.