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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05 Aug
August 05, 2009

From Employer Retirement Plans

Employees who make (or who have made) after-tax contributions to your employer’s retirement plan, listen up. You can now take that money and convert it to a Roth IRA tax-free.

For 2009, to qualify for a Roth conversion, your adjusted gross income may not exceed $100,000, whether you are single or married. Good news though, the income limit on conversions disappears in 2010. Income limits on new contributions to Roth IRAs,

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27 Mar
March 27, 2009

The current market and economic conditions have been frustrating for everyone. Almost all of us have begun “tightening our belts” in an effort to cut back on discretionary expenses. While cutting back on expenses during a down economy is normal, I would encourage you not to cut back on your 401(k) contributions. The reason for continuing your retirement plan contributions can be found by analyzing historical stock markets. During the period from 1946 through 2002, the S&P

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15 Aug
August 15, 2008

You hear about them every once in a while: the lady that worked an ordinary job and her estate left over $4 Million dollars to her favorite charity. How did she get there? Was she the recipient of a sizeable inheritance? How could she accumulate such a large chunk of money? Today’s environment finds many people struggling with personal financial issues. How about the other side of the coin: what traits can you develop to put yourself (and

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28 Dec
December 28, 2007

Did you see a big dip in your mutual fund values this month?  This was either an actual market drop (things HAVE been bouncy lately), or not.  Likely, at least one of this month’s dips was due to your mutual fund distributing capital gains and dividends.  These mutual funds are really just a collection of stocks.  When stock shares (held inside the fund) are sold for a profit, the funds must distribute 90 percent of realized capital gains and dividends

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