You may have heard that Congress recently passed the SECURE Act which makes some changes to retirement accounts. More likely, you have no idea what I’m talking […]
Potential Changes To Your Retirement Planning
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2019: A Good Year For… Stocks And Bonds
Stocks and bonds generated near-record returns in 2019 — 31% for US stocks and 21% for long-term bonds. If your IRA or 401K was not up a […]
The Risky Business of Investing in Stocks and Bonds
I recently wrote about 2019 investment returns. (Performance was unusually good.) Now, I’ll focus on understanding the riskiness of these investments.
For Your Retirement Investing, Use A Target-Date Fund
When investing your retirement savings, you should: optimize the risk/return trade-off minimize effort diversify minimize cost
Investing Your Funds At Vanguard
Vanguard is the 800 pound gorilla of the mutual fund industry. They are the largest firm and manage nearly $6 trillion (yes, with a “t”) of mutual […]
Life Savings
What are the best habits to create and sustain healthy saving behaviors? I’ve worked with lots of clients and seen various strategies that range from stellar, to […]
What To Do With Your 401K When You Leave Your Employer
When you leave an employer, you generally have four options for your 401K:
Don’t Climb the CD Ladder
Certificates of deposit (CDs) are the default investment option for many people’s savings. However, they’re rarely your best choice. Yes, they are essentially riskless investments but you […]
Easy Money
Do you work for public company that offers an employee stock purchase plan (ESPP)? If you answered yes, this note is for you.
Are you in the 4%?
You may have heard about the 4% rule for retirement spending. It’s a simple but imperfect guide to how much you can safely spend each year during […]