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The Zero-Cost Rollover: A Step-by-Step Guide Somewhere along the way, people got the idea that rolling over a 401(k) costs money. Maybe it’s the financial...

When Self-Directed Rollovers Become Dangerous Rolling over a single 401(k) to a Fidelity IRA is straightforward. Download some forms, make some phone calls, wait a...

The State Tax Advantage That Could Transform Your Retirement When you’re earning $200,000 in California and paying 9.3% state income tax, retirement feels far away....

The 60-Day Deadline That Can Cost You 30% of Your Savings The IRS gives you exactly 60 days to complete an indirect rollover. Not 60...

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...