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Our clients have a wide variety of investment goals. Some are looking to preserve wealth and generate income, others are looking for steady growth, while a few enjoy speculation. Regardless of their goals, no one likes to lose money. Although volatility is inevitable, and most investors understand t...

401(k) or Roth IRA - which is best for me? I'm often asked this question, and the simple answer is: "Yes!" Both types of accounts are excellent savings vehicles, and provide excellent benefits to you when looking for ways to efficiently save and grow your retirement nest egg. An example I often use...

I recently saw a statistic that assets in target date funds are now at $481 billion. This is not surprising considering almost every 401(k) plan in America offers target date funds for their employees. Many investors choose these funds due to their ease of use. You simply select the fund that is clo...

I recently helped a client begin contributing to her new employer's 401(k) plan, and couldn't help but chuckle at the following line, found buried in the fine print: "you may change your investment allocation 99 times per plan year." At that rate, you'd be making changes to your plan nearly twice a...

Friday we had a better than expected employment report. The initial reaction to the news sent stocks higher and bond prices lower (interest rates higher). This is an interesting change of character compared to recent market activity. Previously, good economic news resulted in both bonds and stocks t...

By now we've probably all heard of the Nigerian e-mail scam. Provide your banking information, account number, etc., send some money to pay off a government official and reap millions of dollars. A crazy hoax. Here's one that seems more plausible on the face of it but turns out to be just another...

Easily one of the most daunting tasks of managing your 401(k) is choosing the specific funds to invest in. How do you know which funds are best suited to meet your needs? Unfortunately none of us has the crystal ball that will provide you with all the right answers, so in the meantime here are some...

I want to share a few tips for getting the most out of your legacy planning. These simple tips can help ensure you get the most out of your assets and can prevent leaving your loved ones with a complicated mess to deal with after you're gone. Update your beneficiary designations. Making sure t...

"It is best to start early, but if it's too late for that, then just start." When it comes to saving, or creating personal wealth, truer words have not been spoken. If you're ready to start, great. Now how much should you save? One of the first steps to take is finding out if your employer offers...

The Supreme Court today struck down the 1996 law blocking federal recognition of gay marriage. The court invalidated the Defense of Marriage Act, which denied federal benefits to gay couples who are legally married in their states, including social security survivor benefits, immigration rights and...