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Converting a Traditional IRA to a Roth Before or During Retirement
It doesn’t always make sense to convert a traditional IRA to a Roth IRA. Your current and projected tax rate is often a main component
Rolling Over a 401(k) to a Roth IRA: Should You Convert to a Roth?
Updated for 2024. What are your 401(k) rollover options? You may consider rolling over an old 401(k) to a Roth IRA, which is properly described
Tax Efficient Retirement Withdrawal Strategies
As you approach retirement, it’s important to have a strategy to minimize the taxes on your withdrawals. Keeping in mind a few key points can
3 Strategies to Minimize Taxes on Required Minimum Distributions (RMDs)
Looking for ways to minimize taxes on RMDs? For wealthy retirees, mandatory distributions from retirement accounts can cause taxes to increase sharply. As with all
The Best Way to Avoid Running Out of Money in Retirement? Don’t Overspend in the Beginning
Figuring out what you can spend in retirement is challenging. So is calculating what you might want to spend. Spending in retirement isn’t level, and
Social Security And Recessions: Study Shows How COVID-19 May Impact Your Benefits
It was already projected that Social Security would begin to tap its trust fund to pay for benefits starting in 2020. That was before the
How Does an IRA Rollover Work?
How to roll over a 401(k) to an IRA in 5 steps Rolling over an old 401(k) after you leave your job is easy, but
Asset Management vs Wealth Management: What’s the Difference?
Asset Management vs Wealth Management When searching for a financial professional, you may wonder whether you need asset management vs wealth management. How are they
What Happens To Stock Options If You Are Laid Off?
Losing your job is stressful. If you’ve been laid off, you may be wondering what will happen to your stock options or restricted stock units.
Stress Testing a Financial Plan Using a Risk Simulation
What happens if…? That’s the million-dollar question. Stress testing a financial plan and retirement projections can help investors feel more confident in the likelihood they
How is a Trust Different from a Will?
A will and a trust serve two different purposes. A will is a high-level set of instructions after you pass away. For example, it will
Should You Rebalance Your Investments When the Market is Up or Down?
Whether the market is setting new highs or in the midst of a downturn, investors need to think a few steps ahead to ensure they’re
Do I Need a Trust If I Have a Will?
A will and a trust are two different estate planning tools. Consider a will like a high-level set of instructions for after you pass away.
With Mortgage Rates So Low, Is Now a Good Time to Refinance?
With 30-year fixed mortgage rates currently averaging below 3%, it might make sense for homeowners to consider refinancing. Depending on several factors, such as your
Don’t Get Taken Down When Your Employer’s Stock Sinks
What can happen if you own too much of your company’s stock? The coronavirus outbreak is yet another example of the dangers of having too
Doctors and Dentists: Should You Refinance Student Loans?
Given today’s ultra-low interest rate environment, there’s a unique opportunity for some professionals to refinance their student loans. Since doctors and dentists have some of
Should You Keep Investing Through a Recession?
There’s a lot we know about the current state of the stock market, but we can only make an educated guess as to where the
The U.S. is in a Bear Market. There Could be a Recession. But This Isn’t 2008.
Are We Headed For Another Financial Crisis? It happened on March 11th: after 11 years, the S&P 500 once again entered a bear market. Defined