Cutting Through the Paperwork: The Essential 401(k) Rollover Forms If you search “401(k) rollover paperwork,” you’ll find warnings about mountains of forms, complex signatures, and...

The Hidden Costs of Multiple Retirement Accounts When David and Maria Chen sat down for their first meeting with a fee-only financial advisor, they brought...

Why Target-Date Funds Are Outperforming DIY Investors The data is in, and it’s not flattering for hands-on investors. Study after study shows that target-date fund...

Why Traditional Allocation Models Are Struggling For decades, the 60/40 portfolio—60% stocks, 40% bonds—was the gold standard of retirement investing. It provided growth from equities...

The 2025 Showdown: Which Brokerage Wins Your Rollover? Fidelity, Vanguard, and Schwab are the titans of low-cost investing. Each has evolved significantly, and the differences...

How a 1% Fee Compounds Into a Retirement Catastrophe One percent doesn’t sound like much. When your financial advisor mentions a 1% annual fee, it...

Comparing the Big Three IRA Custodians When rolling over your 401(k), the choice of IRA custodian affects your investment options, costs, and service experience for...

The 60-Day Rollover Rule and Its Costly Consequences When you take a distribution from your 401(k) or IRA intending to deposit it elsewhere, you have...

Understanding Required Minimum Distributions at Age 73 The SECURE 2.0 Act pushed the RMD starting age to 73 for those born between 1951 and 1959,...

Your Beneficiary Designations Override Your Will Here’s a fact that surprises most people: the beneficiary form you filled out when you opened your IRA controls...