Financial Advisor Insights

The Mistake 85% of Americans May Be Making with Their Retirement Savings

In 2015, an estimated 54 million Americans were actively participating in a 401(k) plan at work. However, according to a 2014 study by Aon Hewett, only 15% of them had rebalanced their portfolio. Why […]

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SEP IRA vs Solo 401(k)

Updated for 2019. Self-employed business owners have a few options when it comes to saving for retirement. The most common retirement plans for small business owners are the SEP IRA and Solo 401(k), […]

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Where to Save After Maxing Out Your 401(k)

Contributing the maximum amount to your 401(k), 403(b), or other employer-sponsored retirement plan should be a goal for many investors. Once you achieve it, the question then becomes: where to […]

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How Often Should You Rebalance Your 401(k)?

Like any investment account, rebalancing your 401(k) or 403(b) retirement plan is an important part of a successful strategy. Without periodic rebalancing, your asset allocation (the percentage of […]

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Self-Employed? Save for Retirement with a Solo 401(k)

Updated for 2019. The Individual (or Solo) 401(k) plan is very similar to a Traditional 401(k) plan, only designed for business owners with no employees. Compared to the other types of retirement […]

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How Self-Employed Business Owners Can Save for Retirement with a SEP IRA

Updated for 2019. The Simplified Employee Pension (SEP IRA) is a type of a Traditional IRA typically adopted by small business owners (sole proprietors, partnerships, C and S corporations), and the […]

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Can I Contribute to More Than One Employer-Sponsored Retirement Plan?

Updated for 2019. Can I contribute to more than one retirement plan? This is a common question for individuals that are not employed full-time in their business – independent consulting is a common […]

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Choosing Between a SEP IRA and an Individual 401(k)

Updated for 2019. Self-employed business owners have several retirement plans to choose from, and for small companies, the SEP IRA and Individual 401(k) are the most common. Determining which plan is […]

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Planning for the Tax Impact of Required Minimum Distributions

Most working Americans save for retirement using an employer-sponsored retirement plan like a 401(k). Their pre-tax contributions reduce their taxable income in the current year while their […]

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IRS Sets New Limits for 2017

The IRS has released the 2017 contribution limits and other guidelines in preparation for the New Year. Although many of the most common thresholds are unchanged, there are some to make note of.

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