Having too much tax withheld—which amounts to an interest-free loan to the government which then has to be paid back—has never made sense to me.
Read MoreThe average couple has about 12 different Social Security claiming strategies; unfortunately, most people don’t have a clearly defined plan for their future so they can’t take advantage of those strategies.
Read MoreJust as an Investment Policy Statement outlines the investment expectations for the plan, an Education Policy Statement should define the educational intentions of the plan.
Read MoreInvesting is a lot like sailing: you set a course and adjust for wind and tides.
Read MoreThere's a good chance you've occasionally received emails or other communications at work encouraging you to log on to a company website or attend a meeting hosted by HR people concerning your company 401(k) plan.
Read MoreTo break with this American tradition and assure a better retirement, you can take a tip from Congress and enact your own personal sequester.
Read MoreA good IPS is a living, breathing document that shifts with long-term investment market trends and changes in employee demographics.
Read MoreMany plan sponsors have no inkling that their fees may be unreasonable for the services they’re receiving because they don’t even know the amounts involved.
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