The Biggest Misunderstandings About Buckets
The Bucket Strategy gets talked about a lot, but not every explanation (outside of this program) gets it right. Some descriptions make it sound like you just set aside a little cash, invest the rest for growth, and that's that. But when the strategy is done correctly, there's a lot more going on be…
The 4% Rule Is NOT a Rule
The so-called "4% rule" is one of the most familiar ideas in retirement planning. It gives people a simple way to think about how much they might withdraw from a portfolio each year. But a useful guideline can become a problem when it starts being treated like a rule that applies to everyone.
A wit…
Can Your IRA Ever Be TOO Large?
A large IRA or 401(k) balance sounds like a good problem to have. And in many ways, it is. But if too much of your retirement money is sitting in accounts that will eventually be taxed as ordinary income, the future tax bill may be larger than you expect.
Tax deferral can be valuable, but it's NOT …
The Best (and Worst) Assets to Inherit
Leaving money to your heirs is one thing, but leaving the right assets to the right people is another. A Roth IRA, a traditional IRA, a brokerage account, real estate, cash, and an annuity may all have value, but they can create very different results for the person who inherits them.
Some inherite…
3 Financial Decisions You Can’t Easily Undo
Some retirement decisions can be adjusted over time. Others come with a very small window to change your mind, and some may be almost impossible to undo once the paperwork is signed. That makes it especially important to understand the consequences ahead of time.
Social Security claiming, pension p…
Why 'Survival' is the Most Important Word in Investing
When it comes to investing, people often tend to focus on rate of return: How much can I make? What is the best investment right now? But in retirement planning, a better question is the more important one: can your plan survive when things don’t go the way you hoped?
Market downturns, bad headline…
Why Retirement Planning Gets More Complicated After You Retire
Retirement planning often gets treated like a race to a specific amount of money. And while you need a certain amount of savings to make it work, the real work happens AFTER you retire. And it's where mistakes can be the most costly.
Building wealth is mostly about saving consistently, staying disc…
Who Will Control Your Money After You’re Gone?
Estate planning usually starts with deciding who gets what. But here's another question that can matter just as much: who will be responsible for carrying out your wishes after you are gone? It seems like that part of it often gets overlooked.
Choosing a trustee or executor should not be treated li…
The Pros and Cons of a 401(k) Loan
Have you ever considered borrowing money from your 401(k)? It can sound like a pretty good deal. After all, you're borrowing from yourself, paying yourself back with interest, and avoiding the need to borrow from a bank. But there are some important tradeoffs that you should consider.
A 401(k) loan…
3 Charitable Giving Strategies You May Not Know About
Giving to charity can be rewarding in its own right. You support a cause you believe in, help people or organizations that matter to you, and (maybe) receive a tax deduction along the way. But the way you make that gift can have a significant impact on how much of a tax benefit you receive.
Should …
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