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Thoughts in Charts: Retirement as a Third Act

  Retirement is a beginning, not an end.  In 1935, when Social Security established a retirement age of 65, the average American man was not expected to live past 58 years old. Now, age 65 marks the beginning of an expected 20-year…
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Thin(k) About Your 401(k) Plan: To Roth Or Not To Roth

This recently released XpertHR’s 2020 Employee Benefits Survey caught my eye. The survey indicates that while two-thirds of respondents offer traditional 401(k) plans allowing participants to save pre-tax, only approximately 38% of these…
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Thin(k) About Your 401(k) Plan: Work Your Core - Five Core Investment Principals

During the middle of the market downturn towards the end of 2018, I found a truly incredible opportunity in an asset backed by the US Government and in about 45 days it generated an annualized approximate return of 117%.  What incredible,…
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Thin(k) About Your 401(k) Plan: CARES Act

The CARES Act became law in late March, but many people are still legitimately confused on how it has affected 401 (k) plans. After the law passed, recordkeepers notified Plan Sponsors of options and how they would handle the changes’ impact…
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Thin(k) About Your 401(k) Plan: Don’t Drop The Ball At The End of Retirement

When is the last time you reviewed your beneficiaries on your retirement accounts?  Now is a great time to check your beneficiaries!  There are certain things one should do annually, such as a wellness check-up with your primary care physician,…
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Feeling More SECURE in Retirement

If you think that concerns over one’s ability to retire are limited to the young, think again. Sure, younger generations are saddled with unprecedented student loan debt, and they can no longer count on Social Security as a guaranteed…
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When to Crack Your Nest Egg: Part II

In our January blog post, we explored the question of when to retire—more specifically, the portfolio implications of retiring at what could be the beginning of a bear market. In light of recent volatility in public markets and anticipation…
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When to Crack Your Nest Egg

Retirement: it’s a phase of life many look forward to, but it’s also one of the hardest to plan.  Sure, there’s the question of how much, often referred to as your “number”—the amount of savings you’d need to be able to comfortably…
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What are Multiple Employer Plans (MEPs)?

Multiple Employer Plans (MEPs) have been around for decades, yet, many people have never heard of this type of retirement plan.  A multiple employer plan is a plan maintained by two or more unrelated employers.  MEPs are often coordinated…