Insights

Read Our Free Guide To 401(k) Rollovers

by Alexander Sauer-Budge, Ph.D. Retirement  Taxes  Advice  IRA  Rollover  401(k) 
Over the past few weeks, we’ve focused on sharing the key takeaways and questions you need to answer as you consider doing a rollover from your 401(k) to an IRA. We believe that it’s an important decision that doesn’t get enough thought or attention. It is all to often the case that the person or company advising you (the client) of doing a rollover, is the one that will benefit financially from the decision, whether it is good or bad for you!.. Read More

401(k) Rollover Roadmap (Infographic)

by Alexander Sauer-Budge, Ph.D. Retirement  Taxes  Advice  IRA  Rollover  401(k) 
This is the last post in our series on 401(k) rollovers. A 401(k) rollover to an IRA seems like such a simple thing, yet as we’ve covered over the last four articles, there are really huge complexities involved. So we figured it would be helpful to offer our readers a little decision chart that breaks down the issues into simple yes or no questions. After all, we’re in the business of turning complex issues into simple solutions for our clients!.. Read More

Overview to the Backdoor Roth

by Alexander Sauer-Budge, Ph.D. Retirement  Taxes  Advice  IRA  Rollover  401(k)  Backdoor Roth 
You Can Contribute to a Roth IRA—No Matter How Much You Earn. Roth IRAs can be powerful estate planning tools because they offer unique advantages. When you save through a Roth IRA: Any earnings grow tax-free, so assets have an opportunity to grow and compound over time. Qualified distributions are tax-free and penalty-free, and may provide tax-free income in retirement.1 There are no required minimum distributions at age 70 ½, so assets can continue to grow for the benefit of heirs... Read More

NPR: Are High Fees Eating Your 401(k) Nest Egg?

by Chris Moran Values  401(k) 
This is a great piece from NPR’s “Your Money Your Life” series and accurately reflects our experience working with small businesses. It is too often the case that businesses don’t know or understand the 401(k) plan they have, not to mention the fees associated with it. Key Takeaways to Remember Fee Percentage Points Matter Two percent of your entire life savings every year, compounded over long periods of time — 30 or 40 years — eats up half the earnings on the money you invest... Read More