Using HSAs to Prepare for Health Costs in Retirement
Treating your Health Savings Account like a long-term investment vehicle is one of the most underutilized yet powerful strategies to manage rising health costs in retirement.
RETIREMENT PLANNING: The Two Paths to Tax-Free Retirement Money
The Two Paths to Tax-Free Retirement Money A client’s question sparked a deeper conversation about retirement strategies, income limits, and a tricky tax rule that often catches people by surprise.
Coordinating Backdoor Roths With 401(k) Contributions
How 401(k) participation affects IRA deductibility and why some high income savers still consider backdoor Roths alongside workplace plans.
Why IRA Contributions Still Matter: A Practical Guide to Today’s Limits and Long-Term Benefits
Individual Retirement Accounts (IRAs) remain a reliable way to build retirement security, even as workplace plans like 401(k)s evolve.
Spotting Tax Inefficient Funds in Your Taxable Account
When investing in a taxable account, what matters is what you keep after taxes.
What Your Investment Income Is Telling You About Your Tax Strategy
Your investment income isn’t just a number on your tax return—it’s a window into how tax-efficient your portfolio really is.
Too Many Old 401(k)s? The Hidden Risks of Sprawl, Oversight Gaps, and Fee Drag
Having too many old 401(k) accounts can quietly undermine your retirement goals.
Where 401(k) Fees Hide—and How to Tell If Yours Are Reasonable
401(k) fees often hide in plain sight, tucked into your statements and plan website.
How 401(k) Fees Quietly Shape Your Retirement Balance Over Time
Even modest 401(k) fees can quietly chip away at your retirement savings gradually, often more than most people realize.
Target Date vs. Build Your Own: How Two Similar Risk 401(k) Portfolios Can Work Very Differently
A target-date fund and a simple three-fund portfolio might both aim for the same level of risk, but they help you get there in different ways—and ask different things of you as an investor.
Should You Use a Target Date Fund or Build Your Own 401(k) Portfolio?
Target-date funds are often described as a “set it and forget it” option—a single fund that automatically shifts its mix of stocks and bonds as you get closer to retirement.
How to Read Your 401(k) Fund Menu Like a Pro
Your 401(k)-fund menu might look confusing at first, but it’s easier than it seems