Understanding the Required Minimum Distribution

May 6, 2019

In an effort to encourage workers to save for retirement, the United States government allows individuals to save part of their income tax-deferred into retirement accounts. Workers do not have to pay taxes on these funds or on the investment gains until the money is withdrawn from the account as income, usually during retirement.

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Discussing the In-Service Rollover

February 20, 2019

A 401(k) plan is a great vehicle for employees to save for retirement. The money invested into this employer-sponsored retirement plan is saved pre-tax and grows on a tax-deferred basis. Taxes on this deferred income are not paid until the money is withdrawn from the plan, usually in retirement. Read more

Insight2Markets: Inversion Diversion

July 9, 2018

A frequent question of late is what to make of a flattening yield curve and what action should we take?

In short – the yield curve is used as a tool which can illustrate high probability recession risk with considerable lead time of about a year and should not affect drastic portfolio decisions this early on.  This is perhaps a topic not worthy of a rapidly moving news cycle but does play into the drama and thus emotions of investors. Read more

Sequence of Returns

November 1, 2017
One of the biggest risks to a successful retirement plan is sequence of returns risk. Also known as timing risk, sequence of returns risk is the potential for lower or negative returns during the initial period in which the investor makes withdrawals from a portfolio. If left undefended, sequence of returns risk can significantly affect the outcome of a retirement plan. Read more

Risk

October 2, 2017
Investing and risk go hand-and-hand, and generally speaking, the more risky an investment is, the greater the potential return. Different investments have different types of risk. Some risk can be eliminated or at least minimized through diversification, but there is an inherent risk in investing regardless of which type of investment you choose. Read more

Active vs. Passive Investing – An Unbiased Look at The Two Strategies

July 5, 2017
Active and passive management are talked about a lot these days. With all of the rhetoric, we rarely see anyone truly going through the two strategies without pushing for an angle or adding a sales pitch to the end. This can make it difficult to wade through the noise. This hasn’t served us well, so let’s make a change. How about an article that purely delivers the facts about each method and lets the reader digest and conclude for themselves what is the best way to invest money. Read more