Archive - September 26, 2014

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Considerations for Retirees: Which Account?
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Be Careful of Average Returns

Considerations for Retirees: Which Account?

You have worked hard, saved well and now you have decided to enter the next phase of your life…retirement.  Although the paychecks have stopped, you have amassed a portfolio that you are confident will sustain you for the remainder of your lifetime.  Now, you only have one question:

Should I take distributions from my 401(k) plan, IRA, Roth IRA or personal brokerage account?

Unfortunately, the answer to this question is both complex and can change each year as the investment markets, tax laws and your personal circumstances change.  While it is beyond the scope of this article to fully analyze …

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Be Careful of Average Returns

Standard Deviation Diagram Created with raw Po...

Standard Deviation Diagram Created with raw PostScript by Pat Beirne, 5/1/06. Based on an original graph created in Adobe Illustrator by Jeremy Kemp, 2/9/05 (Photo credit: Wikipedia)

When saving and investing for retirement many folks as well as advisors helping those folks plan save and invest for retirement generally will have the conversation that includes how much they can save per month or year, how much they need at retirement and how long they have to save until retirement. Essentially, all of the ingredients in the previous paragraph boil down to a phrase mentioned many times in financial planning classes… Read More

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