Over 90% of Q4 reports have come in and 2018 reported a 20.8% earnings growth over 2017. Pretty good numbers considering the S&P 500 was down 4.5% for the year. Do companies owe this substantial growth in earnings to tax cuts or was it just pure, organic growth. Other topics:

• What should you do at tax time?

• Leverage investing

• Sep IRA’s- when they are good and when they are bad

• What is a stretch IRA?

• Should Glen convert his IRA to a Roth so he can leave a better asset to his kids?