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Don’t Gamble With Your Retirement
(Main Content/blog)
... To be able to fund the important goals in your life, like retirement, education or financial freedom, you have to be able to define those goals and figure out their cost. Having that information allows ...
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Good News: Rolling College Savings Balances Into IRAs
(Main Content/blog)
... they wind up with leftover 529 funds, these beneficiaries can now use that money to jumpstart their retirement savings in a Roth IRA. By starting young, they can use the power of compounding over several ...
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How to Protect Your Heirs from Strict New IRA Rules
(Main Content/blog)
... in 2019 and taking effect in 2020, the SECURE Act, was aimed at boosting retirement savings—a worthy goal at a time when too few people are saving enough for their later years. But it also killed what ...
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The Big Question: When Can I Retire?
(Main Content/blog)
... People are especially nervous about their retirement savings now because of the nasty inflation we’ve experienced in the past couple of years, as well as last year’s market rout of both stocks and ...
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How to Fix Your Retirement Savings
(Main Content/blog)
There are all kind of reasons that people don't save for retirement, or fail to save enough. Retirement may seem far away. The rising cost of living may make it hard to find extra money. And life can ...
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Why You Should Be Invested Right Now
(Main Content/blog)
... return to help pay for goals like retirement. For short-term investments, the best savings accounts are paying 4.5% annualized interest or even a little more. That's enough to beat inflation and protect ...
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Here’s Why I’m a “No” on Annuities
(Main Content/blog)
... They provide that reliable stream of income over a specific period or for life. They can help provide financial stability during retirement, and help mitigate the risk of outliving your savings. But ...
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Take the Long View, Ignore the Scary Headlines
(Main Content/blog)
... including the number of year until your retirement or other goals. This doesn't mean that investors should ignore their portfolio for five or 10 years. There will always be opportunities along the way ...
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How to Get Back into the Market
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... be a comfortable retirement. Once you know your goals, an experienced investment advisor can help you develop a mix of investments that gives you the best chance to achieve them with the least amount ...
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Putting the Market’s Drama in Context
(Main Content/blog)
... nearly two decades, is this: It doesn't matter. For long-term investors—the people who are saving and investing for college or retirement or a second home—the market's ups and downs are pretty much irrelevant. ...
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Reaching Your Goals Vs. Spinning Your Wheels
(Main Content/blog)
... enjoy additional net gains every year of around 3%. Whether it's retirement, college funding, a big purchase or another important goal, your advisor will be able to tell you exactly how much money you ...
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The Biggest Mistakes Investors Make
(Main Content/blog)
... or nothing for retirement, but that only the top 10% of households had savings greater than $310,000. Even $300,000 or $400,000 isn't enough for a comfortable retirement for many people. What's going ...
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The Investment Outlook Is Changing
(Main Content/blog)
... volatility making a comeback. overly aggressive bets could derail your retirement and other long-term goals. As we cycle into a new market environment, it's critical to make sure you're prepared. Your ...
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A Smart Investing Move to Start the Year
(Main Content/blog)
... Here's why it makes sense: Any investor working toward funding retirement or other big goals should have balanced portfolios. These portfolios contain a mix of stocks, bonds and possibly other asset ...
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Why a Year-End Financial Checkup Is Smart
(Main Content/blog)
... about reaching your financial goals. 1. Plan to avoid retirement-account withdrawals that will trigger taxes. Often, end-of-year distributions from IRAs and other retirement accounts will cause Social ...
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When You Can't Trust Your Financial Advisor
(Main Content/blog)
... a Finra-registered broker. The second is a fiduciary advisor. If you're investing for retirement or any other important goal, you can't afford to work with someone who's allowed by law to shear you like ...
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Be Smart About Your Tax Windfall
(Main Content/blog)
... extra money, there's a good chance that you'll spend it impulsively. That's why now is the time to review your retirement plan and your investments to make sure you're saving enough. Here's why doing ...
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Choosing the Right Advisor
(Main Content/blog)
... hand, an advisor in his 60s may be focused more on retirement than on you. Finally, understand that a long list of credentials doesn't necessarily make for a great advisor. More and more credentialing ...
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How to Get (and Stay) on Track for Retirement
(Main Content/blog)
... for retirement merits the extra effort. Investors should sit down around now and take a close look at how much money they're making. They also need to understand how much of their income—after taxes, ...
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Will Wall Street Clean Up Its Act?
(Main Content/blog)
... decreed that anyone giving advice about retirement assets will soon have to meet a higher ethical standard. The bad news: The new rules are riddled with loopholes that will make it possible for much of ...