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Thin(k) About Your 401(k) Plan: SECURE Act – Treatment of Part-Time Employees

I know it seems a long time ago, but at the end of 2019, Congress passed the Setting Every Community Up for Retirement Enhancement (SECURE) Act.  The Act had a number of provisions, but I want to focus on the one aimed at part-time employees. …
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Where Did It Go?

When special US government programs distribute money to individuals broadly, we often wonder how the money was actually used. It can occur after a natural disaster, and it happened in March with the $2.2 trillion CARES Act stimulus in response…
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Thoughts in Charts: Vaccine Progress Report

  There is a chance that the investment world is keeping track of vaccines about as obsessively as health organizations. Along with the physical and mental health implications, the economic stakes of a vaccine are high as well. As…
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Thoughts in Charts: How long do you have?

At a firm where one of our key investment principles is that “time matters”, I love a chart that show why we value it. Before I dig in though, let me say loud and clear that past performance does not guarantee future results. I use history…
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Thin(k) About Your 401(k) Plan: Long-Term Investing – Election Year Volatility

I can hardly help allowing the uncertainty that comes during a Presidential election year from creeping into my investor mindset.  I know many factoids about the market performance every four years when we elect a President.  Volatility is…

The Great Unloved of 2020 (Investments, that is)

Listening to the financial news, you may conclude that the stock market is rebounding nicely from the March lows, even considering September’s predictable volatility. When you look at your personal September 30 investment report, however,…
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Thin(k) About Your 401(k): Plan Plan Fees: The Three Rs – They Are Real And Must Be Reviewed And Deemed Reasonable

' I know something’s wrong when a business owner / plan sponsor tells me that they don’t pay any fees for their 401(k) plan.  I can’t think of a case where this could be true.  The plan sponsor might not be writing a check for services,…
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Choosing the Right Financial Road

When you don’t know where you are going, any road will get you there.  – Lewis Carroll. This is true in life, careers, and our financial futures. It is particularly relevant when the stock market is as volatile as it has been throughout…
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Thoughts in Charts: Municipal Bond Double-Take

I love when a chart makes you do a double take. When a chart makes you go “Yes!” but then after another minute “Oh”. Because municipal bond yield is usually exempt from state, local and federal taxes, investors are willing to…
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Is a 60/40 Investment Allocation for Everyone?

  One of the most important choices we have with our investments is the allocation of our dollars. How much will we invest in stocks, in bonds, or in any other assets? Large or small, growth or value?  Studies have shown that over…