Retirement Planning

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

Why Traditional Allocation Models Are Struggling For decades, the 60/40 portfolio was the gold standard of retirement investing. Sixty percent stocks for growth, 40% bonds...

Fidelity, Vanguard, and Charles Schwab can all serve as low-cost homes for a rollover IRA. All three advertise a $0 opening minimum and $0 commissions...

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

A direct rollover and a 60-day rollover are not the same transaction. The difference determines whether mandatory withholding applies, whether the account owner must replace...

Understanding Required Minimum Distributions at Age 73 Required Minimum Distributions have gotten less clear-cut with all the rule changes flying around. The SECURE 2.0 Act...

Your Beneficiary Designations Override Your Will Beneficiary designations have turned into a moving target with all the estate planning misinformation flying around. – because this...

The Unique Advantages Surviving Spouses Have With Inherited IRAs Losing a spouse is devastating. The last thing anyone wants to think about is tax strategy....

Inherited an IRA? The 10-Year Rule Changed Everything in 2020 The SECURE Act of 2019 fundamentally changed how inherited IRAs work for most beneficiaries. If...

SIMPLE IRA 2-Year Rule: What Happens If You Transfer Too Early The SIMPLE IRA 2-year rule catches many employees and their advisors off guard. Unlike...