Objective information about retirement, financial planning and investments

 

Charitable Giving and Tax Reform

The Tax Cuts and Jobs Act passed in December of 2017 marks the biggest overhaul in the tax code in many years. One area that will be impacted under tax reform is charitable giving. While charitable contributions remain eligible as an itemized … [Continue reading]

6 Investment Expenses You Need to Understand

Investment expenses reduce your investment returns. While nobody should expect investment managers, financial advisors or other service providers to offer their services for free, investors should understand all costs and fees involved and work to … [Continue reading]

7 Things to Know About the New Tax Law

The new tax law (Tax Cuts and Jobs Act) passed in December of 2017 marks the biggest overhaul in the tax code in many years. The impact of these changes is far reaching and will impact most of us in some way. As we are now over half-way through … [Continue reading]

Am I on Track for Retirement?

Financial advisors are frequently asked some version of the question “Can I Retire?”  The Employee Benefit Research Institute (EBRI) recently released its 2018 Retirement Confidence Survey. The latest survey offered several key findings: Only … [Continue reading]

Tax Reform and Divorce

The tax reform legislation passed in late 2017 provides the most sweeping changes in the tax code in years. While there are a number of changes that will impact many of us in various ways, the changes in the tax treatment of alimony payments could … [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]

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]