“I’m not sure I have enough saved up to retire.” “How can I know for sure my savings will last after I stop working?” “I”m concerned I’ll spend through my savings too fast and run…
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How to Tell Whether You Have Enough Money to Retire
You’ve Inherited an IRA. Now What?
Inheriting an IRA is quite a bit different than inheriting any other asset. Unlike cash or investments in a traditional investment account, if you inherit an IRA you’ll need to start withdrawing from the account…
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Top Strategies for Managing Incentive Stock Options
Incentive stock options, or ISOs, are a pretty common way for companies to compensate management and key employees. Otherwise known as “statutory” or “qualified” options, ISOs are a way to give management a stake in…
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How the Trump Presidency Could Affect Your Finances
Recently I’ve had a few questions from clients and readers about what they should be looking out for now that we have a new president in office. As you know, Mr. Trump has had a pretty…
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What’s the Optimal Portfolio Rebalancing Frequency?
If you’ve read the blog for very long, you probably know that I’m a big proponent of thoughtful and customized asset allocation. The percentage of your portfolio invested in stocks, bonds, cash, and real estate…
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Mutual Fund Capital Gains Distributions: What They Are & How to Avoid the Tax Hit
If you’ve ever invested in a mutual fund, you may know that they’re required to distribute at least 95% of their capital gains to investors each year. You may also know from experience that these…
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The Top 7 Mistakes People Make when Planning for Retirement
Hello ATC Readers! This post is to announce that I’ll be hosting a free retirement webinar in a few weeks. I’ve been getting a lot of questions recently to the effect of “what am I…
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401(k)’s, IRAs & Tax Deferred vs. Tax Exempt Investing
Should I contribute to a traditional or a Roth IRA? This is a big question I get asked fairly frequently. And really, the conversation expands beyond individual retirement accounts. The decision whether to invest on a…
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Sequence of Returns: The Biggest Risk to Financial Independence & Successful Retirement
When you think about your retirement & financial independence, what keeps you up at night? Is it the possibility that a market crash depletes your nest egg? Is it inflation? What about the cost of…
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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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