05 May
May 05, 2014

After spending the last several weeks meeting with 401(k) participants, I am reminded how confusing 401(k) options can be.   Choices are never easy, and there is a lot to know and understand.   Many participants want to know “how to do retirement right.”  What I have assembled below are the top 10 most common pitfalls 401(k) investors fall into, and some steps to take to help avoid these.

1)    Rollovers processed incorrectly
If you worked at an employer where you had a 401(k)

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05 Jul
July 05, 2012

The past year will be remembered for two remarkable social media initial public offerings: LinkedIn on May 19, 2011 and Facebook on May 19, 2012. Although the dates were the same, the two offerings went very differently. LinkedIn’s share price roughly doubled immediately after the shares were purchased, from the $45 IPO price to $94.25 when the market closed that day. The offering was widely described in the papers as a great success.

Facebook’s shares, meanwhile, were priced at $38

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15 Feb
February 15, 2011

Have you ever heard the term “sustainable withdrawal rate?” Sounds pretty technical!. What is your sustainable withdrawal rate?

What this refers to is how much can you comfortably withdraw from your portfolio (spend)in retirement without outliving your assets. The jury is out on what is a true sustainable rate. Some say the average for most investors is 4-5% of your portfolio value each year. My answer: it really varies for each investor, and it is important to run the numbers and

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