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Category: Finance

Fake News? No, Just Headlines After Your Eyeballs

Despite the first thing you probably thought of when you saw the title of this post, this is not a political article. While I am a self-admitted news junkie and very interested in politics, this post is about the damage that headlines can cause to your investment portfolio—if you allow them to. Over the last […]

Roth IRAs and 401(k)s—Why All the Fuss Lately?

Have you noticed the increased attention to Roth IRAs and 401(k)s recently? It seems that, every day, I see a new article promoting the advantages of using a Roth for your retirement planning. Sure, a Roth is a great way to fill up the tax-free bucket of funds available for you at retirement. But as […]

If You Only Knew This, Planning Would Be Easy

How long are you going to live? That’s an impossible question to answer. But when you are planning for your financial future, it’s a very important question that needs an answer. Well, maybe not an answer, but as least a good guess. One of the main reasons for putting together a financial plan is to […]

Improve Your After-Tax Return with an Asset Location Strategy

You know how important it is to diversify your investment portfolio. You spread your investment dollars across several types of investments because you don’t want to have all of your proverbial eggs in the same basket. We suggest diversifying across several categories, or asset classes, because the different asset classes perform differently. But it’s also […]

Retiring with a Pension? You Have Some Decisions to Make

It used to be that a retirement pension was common. It was typical for someone to work for a company for 20 or 30 years and retire with the proverbial gold watch and a pension. The so-called “three-legged stool” of retirement income was made up of personal savings, Social Security benefits, and a pension. The […]

The 3-Bucket Approach to Retirement Savings

What tax bracket will you be in when you retire? Unless you are retiring within the next year or two, this question might be a difficult one to answer. Predicting future tax rates can be as difficult as predicting the stock market, interest rates, and the weather. Taxes can have a huge effect on your […]

How Do I Replace My Paycheck When I Retire?

While it doesn’t seem like it, saving for retirement is easy. You set aside a certain amount each month, or each paycheck, and invest it in your IRA or 401(k). That is, of course, an oversimplification. But once you retire and need to figure out how to replace your paycheck, the process becomes a lot […]