Retirement Savings and Investments
The Unlucky 13: Bad Investments for Your Retirement
We have a lot of choices about where to invest our money, both before and after retirement. Some options are clearly bad investments. Others seem like a good b…
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Podcast
Podcast: Morgan Housel — The Psychology of Money
Episode 44 of the Boldin podcast is an interview with Morgan Housel — a writer, former columnist at The Motley Fool and the Wall Street Journal, and a partner a…
Financial Wellness
Podcast: Christine Benz — Morningstar & 25 Years of Personal Finance
Episode 43 of the Boldin podcast is an interview with Christine Benz — author and Morningstar’s director of personal finance — and discusses the big financial a…
Planning
Your Guide to Developing a Retirement Withdrawals Strategy
Retirement withdrawals strategy becomes important to consider as you age. You’ve spent your entire working career saving and investing for retirement. Now it’s…
Financial Advisors
Should You Use a Financial Advisor Affiliated With Your Bank?
Pensions have pretty much gone away. We spend 20 to 30 years in retirement. And Social Security covers only a fraction of our retirement expenses. This means…
Retirement Income
Pros and Cons of a Target-Date Fund
A retirement target-date fund is a professionally-managed mutual fund that is strategically reallocated over time to achieve both growth and security for your…
Retirement Savings and Investments
Robo-Advisors: Should You Automate Your Retirement Savings and Investments?
Robots: They answer the phones at our insurance agencies; they build cars in our factories. And if we are lucky enough to own a Roomba-brand vacuum, they even v…
Retirement Savings and Investments
7 Ways to Protect Your Retirement from Investment Frauds
Selling bogus investment products to older Americans is big business: In June 2018, the U.S. Securities and Exchange Commission’s Office of the Investor Advocat…
Financial Wellness
When to Roll Over Your 401(k) Plan Into an IRA
When you move from one place of employment to another, you’ll probably want to at least give some careful thought to taking the funds in your old 401(k) plan wi…
Retirement Savings and Investments
What Is a Roth 401k Plan?
The Roth 401(k) is like a regular 401(k) – only better (at least for a lot of people). The classic 401(k) retirement savings account is largely the same from em…
Retirement Savings and Investments
Retirement 101: What Are Bonds?
Bonds can be a valuable part of your retirement savings. Before investing in bonds, it is important to understand what they are and how they work so that you ca…
Retirement Savings and Investments
401(k) Rollover: To Keep or Not to Keep Your Ex-Employer’s Retirement Plan
If you’re leaving one job and moving to another, or if you’ve lost or quit a job, there’s a decision to make. Should you keep your money in your ex-employer’s r…
Retirement Savings and Investments
2 Ways to Use the Bear Market to Your Advantage
Managing investments through a bear market takes an alternate strategy that lets you weather the upcoming uncertainty. Few hope to see extraordinary returns in…
Budgeting & Spending
Pennies Add Up: Saving for Retirement in Little Ways
Using tools like your employer’s 401(k) or automatically taking money out of your paycheck are tried-and-true methods for successful retirement planning. But if…
Retirement Savings and Investments
Retirement Withdrawals Taxes: How to Pay Less in Taxes and Maximize Income
Retirement withdrawals taxes are important to consider. A tax-efficient strategy for can be the difference between thriving and scraping by. Much has been writt…
Retirement Planning
Is It Ever Too Late (Or Too Early) to Start Saving for Retirement?
While many people ask about how much they need to save for retirement, not as many people ask when to start saving for retirement. However, when you start savin…
Retirement Savings and Investments
Can Robo Advisors Program Wealth into Your Retirement Plan?
Robo-advisors might sound futuristic, but they’re really not as new as they sound. Robo-advisors use the same technology that’s been available to human advisors…
Retirement Savings and Investments
The Best Retirement Plans
Best retirement plans, you say? Saving for retirement is not a one-size-fits-all proposition. Whether you use an IRA, a 401(k), one of the many other options or…
Retirement Income
5 Steps for Defining Your Retirement Drawdown Strategy
If you’re reading this, you’re likely someone who: saves money, has built up some assets, and is starting to think about how to create a retirement drawdown str…
Retirement Savings and Investments
Stocks, Funds, Cash, Bonds: What’s the Best Asset Allocation Strategy for Your Retirement?
Figuring out the best asset allocation strategy for your retirement isn’t something you can set-and-forget. Here are some tips on how to update and maintain you…
Retirement Income
Retirement 101: What is Fixed Income?
The term “fixed income” can be confusing. Many adults of all ages have a reasonably steady income, whether from a salaried work position or dependable work at a…
Retirement Planning
How Much Do I Need to Retire Early? At Age 60? At 55? What About Age 50?
Early retirement might seem like a dream. But it’s one that you can achieve if you plan early and set goals as if your life depends on it. In fact, it does. So,…
Retirement Savings and Investments
Orman, Ramsey, and Other Gurus on How to Save for Retirement
Retirement savings can seem like a very complicated matter. But some of the most well-known and respected financial minds like Suze Orman, David Ramsay, and oth…
Retirement Savings and Investments
Net Unrealized Appreciation (NUA): The Tax Smart Way to Handle Company Stock in a Rollover
If you have company stock in a 401(k), you will want to learn about Net Unrealized Appreciation (NUA) and how to minimize taxes when you rollover these funds to…
