One of our
primary focuses is helping people who are in retirement or are planning
their retirement. Create your retirement plans by using the collection of retirement-related
articles below.
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January 04, 2010 |
As a financial advisor and CPA, I often receive tax questions from my clients. One that has been coming up a lot in the past year is: “Should I convert my non-Roth retirement plan (401(k), traditional IRA, 403(b) or 457(b)) to a Roth IRA?” The question isn’t surprising, given the new rules that took effect January 1 for Roth IRA conversions.
The short answer, which should not surprise you, is: “It depends.”
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September 29, 2009 |
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Whenever you leave a job, whether it’s your choice or not, there are many details and changes competing for your attention, and it’s easy to overlook the disposition of your employer-sponsored retirement plan such as a 401(k), 403(b) or 457.
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August 11, 2009 |
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Retirees often ask us if they should consider their Social Security as
part of their portfolios. It’s income, and it seems to many people as
if Social Security should be in the fixed-income part of their asset
allocation. Though a lot of people take that view, we think this is a bad idea. For
several reasons we discourage our clients from doing this.
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July 07, 2009 |
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Because the past is known and fixed, it’s relatively easy to calculate the outcomes of various choices that investors might have made. But sometimes this analysis is too simplistic for making useful choices that will apply to the future.
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June 15, 2009 |
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When I mentioned the topic of this article to some of my colleagues, they were instantly curious about what book I call my favorite. Huckleberry Finn? The Bible? John Bogle’s Little Book of Common Sense?
Nope. All of those are excellent books. But in this case my favorite book is one you can’t read yourself because you can’t buy it or find it at a public library.
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March 16, 2010 |
When
you reach retirement, four major decisions will determine the bulk of
your financial future. This article is about two of those decisions:
• How much income do you need or want from your retirement portfolio?
• Do you need a fixed stream of income you can count on, or can you
tolerate cash flow that goes up and down depending on the success of
your investments?
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May 19, 2009 |
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Suze Orman has become a familiar fixture on the financial beat, with many fans. Among those fans is Merriman financial advisor Cheryl Curran, who nevertheless believes Orman’s investment advice should not be followed. In the following article, she tells why.
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March 16, 2009 |
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The global financial crisis has led to a huge flight to safety, with one of the chief beneficiaries being U.S. Treasury bonds. So many investors have purchased Treasury bonds that the yields have declined to almost historic lows.
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January 30, 2009 |
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Bootstrapping is a robust method to quickly incorporate multiple hypothetical portfolio return scenarios to help evaluate the potential success of the accumulation and distribution phases of investing.
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October 30, 2008 |
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A crisis that started in Seattle is likely to spread across the country
in the coming months as thousands of Washington Mutual employees come
to grips with the money they lost because they held the bank’s stock in
their 401(k) accounts. That stock became worthless when the bank failed
late in September.
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