Financial New Year’s Resolutions for 2020

Making New Year’s resolutions is a great way to plan to be better in the new year. Unfortunately, sticking with those resolutions isn’t as easy as setting them. Whatever is on your list for the upcoming year, whether it is to get in shape, spend more time with family and friends, or save more and […]

Should I Take My Pension as a Lump Sum or an Annuity?

You are getting ready to retire, and you have a defined benefit pension that will kick in once you stop working. You may have the option of taking the pension in the form of a one-time lump sum distribution or as lifetime monthly payments. So, which should you pick?

Understanding the Required Minimum Distribution

In an effort to encourage workers to save for retirement, the United States government allows individuals to save part of their income tax-deferred into retirement accounts. Workers do not have to pay taxes on these funds or on the investment gains until the money is withdrawn from the account as income, usually during retirement.

Discussing the In-Service Rollover

In service rollover

Jump to In-Service Rollover FAQs A 401(k) plan is a great vehicle for employees to save for retirement. The money invested into this employer-sponsored retirement plan is saved pre-tax and grows on a tax-deferred basis. Taxes on this deferred income are not paid until the money is withdrawn from the plan, usually in retirement.

Insight2Markets: Inversion Diversion

How to choose a financial advisor

A frequent question of late is what to make of a flattening yield curve and what action should we take? In short – the yield curve is used as a tool which can illustrate high probability recession risk with considerable lead time of about a year and should not affect drastic portfolio decisions this early […]

Sequence of Returns

Sequences of returns risk

One of the biggest risks to a successful retirement plan is sequence of returns risk. Also known as timing risk, sequence of returns risk is the potential for lower or negative returns during the initial period in which the investor makes withdrawals from a portfolio. If left undefended, sequence of returns risk can significantly affect […]

Risk

Investing and risk go hand-and-hand, and generally speaking, the more risky an investment is, the greater the potential return. Different investments have different types of risk. Some risk can be eliminated or at least minimized through diversification, but there is an inherent risk in investing regardless of which type of investment you choose.

Active vs. Passive Investing – An Unbiased Look at The Two Strategies

Active vs. passive investing

What is active vs passive investing? Active and passive management are talked about a lot these days. With all of the rhetoric, we rarely see anyone truly going through the two strategies without pushing for an angle or adding a sales pitch to the end. This can make it difficult to wade through the noise. […]