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Thin(k) About Your 401(k) Plan - Should I Stay or Should I Go?...This Market Is Hard To Handle!

With the recent market volatility, clients have asked me whether they should “stay in the market,” “sell,” “buy more” or “change my allocation.”  In fairness, these questions come up all the time, but especially when the…
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Being Generous With Your Retirement

Americans are generous.  In fact, $471 billion was donated to charities in 2020 according to Giving USA - a 5.1% increase over the prior year.  The fact that we were in the middle of a pandemic with the related loss of jobs, and that over…
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Thin(k) About Your 401(k) Plan: How Will My Beneficiary(s) Receive My 401(k) Account When I Am Gone

In a 401(k) plan, you are allowed to leave the money in your account to a named beneficiary(s) upon your death.  This is a nice feature because the money goes directly to the beneficiary(s) without having to go through your estate.  But…
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Thin(k) About Your 401(k) Plan: ESG Investing In 401(k) Plans

Some saw this as a sea change (or maybe you could say it was because of seas rising). In May 2021, President Biden signed an executive order directing “the federal government to implement policies to help safeguard the financial security…
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Thin(k) About Your 401(k) Plan: What Does It Take To Start A 401(k) Plan

I recently posted about retirement plan options for small businesses and the self-employed.  Now let’s talk about starting a 401(k) Plan as another option.  Remember, how much you want to save and your willingness to manage the complexity…

Thin(k) About Your Retirement Plan: Options For Small Business Owners And Self-Employed Workers

Not everyone has the option to save for retirement through a company sponsored plan.  So, what are the retirement saving options available to small businesses and self-employed individuals looking to retire someday with a nest egg?  Small…