Objective information about financial planning, investments, and retirement plans

Small Business Retirement Plans – SEP-IRA vs. Solo 401(k)

One of the best tax deductions for a small business owner is funding a retirement plan.  Beyond any tax deduction you are saving for your own retirement.  As a fellow small business person, I know how hard you work.  You deserve a comfortable … [Continue reading]

401(k) Options When Leaving Your Job

Perhaps you are retiring or perhaps you are moving on to another opportunity. Perhaps you were downsized. Whatever the reason, there are many things to do when leaving a job. Don’t neglect your 401(k) plan during this process. With a defined … [Continue reading]

Are Best Mutual Fund Lists a Good Investing Tool?

We all like to read article with lists that rank things. Top colleges, top new cars, best and worst dressed and the like are just a few lists we see periodically. Mutual rankings have been around for a while.  Many top personal finance publications … [Continue reading]

Reverse Churning Are You a Victim?

One of the best things about being a freelance financial writer and blogger is that I often learn new things in the course of my writing. A reader left a comment on a post here on the blog and mentioned reverse churning. Until that time, I had never … [Continue reading]

How is My Financial Advisor Compensated?

Many investors do not understand how their financial advisor is compensated. With the initial implementation of the new DOL Fiduciary Rules mandating that advisors put their client's interests first when working with their retirement accounts upon … [Continue reading]

Understanding Your Bond Fund’s Duration

For most of the past 30 years bonds and bond mutual funds have had the proverbial wind in their sails. Interest rates have steadily headed downwards. Bond prices and interest rates have an inverse relationship. Last week, however, the Fed … [Continue reading]

Investing Seminars – Should You Attend?

It must be the season for investing and retirement dinner seminars. I’ve received a number of these invitations in the mail recently. Typical was one from a local investment firm “___ Cordially Invites You to Attend an EXCLUSIVE Dinner … [Continue reading]

Year-End 401(k) Matching – A Good Thing?

I was reminded of the issue of year-end 401(k) matching by employers when I learned that the employer of a close relative was changing their match to the end of the year. A few years ago, AOL announced that they were moving to a year-end once per … [Continue reading]