Blog

The bucket approach to retirement planning gives you access to money for expenses but the upside potential to grow your investments Retirees used to rely on what was called the three-legged stool idea for retirement planning. Most people could rely on money from social security, a pension fund and their own individual retirement savings as […]

Learn the worst retirement mistakes that cost people money and keep your retirement planning on track As retirement approaches, we all look for simple ways to plan and save. Many people are confused or even misled by some common misconceptions which could lead them astray. A few simple rules of thumb can help avoid the […]

The Department of Labor is pushing through a proposal for mandatory state-run retirement accounts before Obama leaves office The Obama Administration is rushing through plans for a mandatory system of government-run retirement accounts before the 2017 change in Washington. The Department of Labor (DOL) proposed new regulations last November that would mandate states set up […]

Use this quick guide to find the safest retirement investments by age and get your retirement planning back on track The S&P 500 index of stocks is off it’s 52-week high by 13%, well into a correction but not the 20% needed to call it an end to the seven-year bull market. The drop in […]

After years of hard work, saving and planning, you have finally reached retirement. Now the most important question on your mind is, “Will my money last for the rest of my life?” In 1994, a financial planner named William Bengen developed one of the most popular rules of retirement spending. The 4% rule of retirement […]

This survey sheds new light on how your retirement spending will change and makes it easier to meet retirement goals Too many people fumble into retirement planning with goals based on their current expenses. They end up terribly ill-prepared and miss their retirement goals because of assumptions on retirement spending that just don’t pan out. […]

Use these points to decide your 401k asset allocation and where to put your 401k money The old rule for investing and asset allocation used to be to subtract your age from 100 for the percentage of your portfolio you should keep in stocks, putting the rest in bonds. The misguided advice has caused millions […]

Less than 2% of the population already carries more than half the tax burden. History shows that it may soon get even worse for High Net Worth taxpayers. The United States has always leaned much further to progressive income taxes than collections on regressive sources like consumption or value-added taxes. This burden on higher income […]

There’s good and bad news for retirement plan contributions in 2016, learn what has changed and how to meet your goals Inflation below 2% is a good thing for the most part but it also means bad news for retirement plan contributions in 2016. You won’t be allowed to make bigger contributions to your retirement […]

From poor investment decisions to not rolling over your plans, these five 401k mistakes can crush your retirement dreams Work in financial planning and investing for as long as I have and you start seeing mistakes that are nearly universal among clients. Most of these are fairly easy to correct and don’t lead to too […]