I’m guessing that over the years you’ve read at least 1000 posts, articles, and ebooks on what to do before you retire. Good retirement checklists are about a dime a dozen in the online world. …
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6 Ways to Minimize Required Minimum Distributions
There’s a plethora of tax advantaged retirement accounts out there today. Enough that the acronyms and numbers can get really confusing… IRA 401k 403b 457 Profit sharing SEP IRA SIMPLE IRA Just to name a…
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401k RMD Rules: A Comprehensive Guide
You’re probably familiar with the term “required minimum distributions” (or RMDs for short). They’re the systematic withdrawals that the IRS makes you take out of an IRA after you turn 70 1/2. But what about…
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Active vs Passive Investing: The Debate Continues
Active vs passive investing. The debate over which is strategy is superior has raged on for what seems like an eternity. And even though passive investing, or indexing, has become so popular of late, millions…
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Fixed Annuity Pros and Cons: 10 Things You Need to Know
Annuities are incredibly popular instruments for retirement planning. They come in all shapes and sizes, and while having more options can be a good thing, it can also be very confusing. For that reason, fixed annuities are…
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Fundamental Indexing: An Overview
Fundamental indexing, or “smart beta” is an investing buzz word you might have heard before. It’s an investment strategy similar to index investing, and was introduced about ten years ago. Since then the strategy has…
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IRA Contributions After 70.5…Can You? Should You?
Recently I had a client in his mid-60s ask me how much longer he’d be allowed to contribute to his IRA. My client was approaching retirement, but wasn’t planning on drawing from the account until…
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5 Times a Roth 401k Conversion is a Good Idea
Roth IRAs have become one of the most popular ways to build retirement savings over the years. In fact, they’re so popular that thousands of people clamor every tax season to convert their traditional IRAs…
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5 Baseball Lessons that Apply Perfectly to Investing
I’ve mentioned this before: I’m a big baseball fan. I played baseball every single spring and summer for 25 consecutive years – ages 5 through 30. From little league all the way through college…
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Does the 4% Rule Still Work?
Recently I had a client come into my office who was concerned about his and wife’s and his retirement. This client works at a company that sponsors a 401(k), but his wife works for the…
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