One of the downsides of the Roth IRA (Individual Retirement Account) is that there are income limits that preclude high income earners from contributing directly to these accounts. But for people on the cusp, or for those […]

Financial goals exist on a timeline that stretches into the future. Some goals, like buying a new car, might take place in the near future, perhaps inside just a couple of years. Others, like retirement, […]

Employer-sponsored retirement plans like a 401(k) are a common way for workers to save for retirement. In any given year, about half of employees participate in a retirement plan at work, according to the Bureau […]

According to the Federal Reserve, fewer than four in 10 Americans feel they are on track with their retirement savings, but some are bolstering their accounts through extreme savings strategies in hopes of retiring early.  […]

In fact, more than half of U.S. households have some exposure to the stock market, according to the Pew Research Center. However, most of those stocks are held in tax-advantaged retirement accounts. Although a tax-advantaged […]

As a CPA (Certified Public Accountant) who used to actually prepare taxes for other people, many are often surprised to learn that I don’t even prepare my own income tax returns anymore. So, I can […]

The expense ratio of a 401(k) plan is the amount an investment company charges investors for managing the fund. A total of administrative fees for the fund’s expenses, this rate is usually stated as a […]

Although “fee-based” and “fee-only” financial planners sound similar, they both have different fee structures and different obligations to investors. Here’s what you need to know about fee-based vs fee-only financial planners. You might think that […]

A lot can happen in a year. (Don’t believe us? Go check out your Timehop.) While many of the changes we see as we make our way around the sun aren’t exactly planned for, it […]