What to Do with Those Old 401(k)s

Most of us in in the workforce have had multiple employers over our careers.  It almost always makes sense to contribute to your 401(k) or equivalent retirement plan.  You get the tax deferral (or tax freedom if you have Roth contributions), the employer match in most cases, and the benefit of regular investing over decades. […]

Where Your Next Dollar Should Go

Personal financial planning is all about setting priorities and then putting your resources to work to achieve them, while covering the big risks that could derail your financial future.  The thought is you want to give every dollar that comes into your bank account a job. Whether you’re a mid-career serial entrepreneur or in your […]

Automate Your March to Financial Independence

While there’s much a qualified financial planner can do to map out a course to achieve your goals, much of the responsibility falls on you.   You’ve heard it before: spend less than you earn.  Do this long enough, make smart choices, and with a little good fortune you will make work optional for you. Spending […]

Secret to Building Wealth

-By Dave Gardner The other day I was talking to a CU professor who is nearing retirement.  When she stops working, she won’t have financial worry because of her tremendous job building up her CU retirement plan as well as properties, most of which she owns outright.  While she is well paid by the university, […]

The Four Keys to a Satisfying Retirement

There are many milestones that signal you’re close to retirement.  It could be that you’ve put your kids through college and its painful tuition bills.  You’re attending an increasing number of work parties celebrating many years of loyal service.  You or a loved one may have suffered a health scare or setback reminding you that […]

What to Do With Old Retirement Plans

When clients come in for their initial financial review, we often see retirement plan statements from four or more investment companies.  They might have a Fidelity 401(k) from a job they left years ago, a Prudential 403(b) from last year, and a TIAA-CREF retirement plan with their current employer.  Some clients have gone so far […]

Stable Value Fund a Good Option for 401(k) Investors?

When looking at your 401(k) plan options, your investor mind probably didn’t register the humble stable value fund .But for those who have the patience to get to the bottom of their 401(k) investment menu, stable value funds offer some key advantages that merit inclusion in your retirement plan.

Four Tips to Better Retirement Plan Choices

When you start a new job or your employer gets acquired, you may need to make retirement plan decisions on the fly. While you probably have the option to change your investment selections at any time, inertia is the most powerful force in personal finance. Your short-term choices may persist for years to come. Whether […]