What Pension Plan Phase-Outs Mean for You

With the Pension Plan Becoming Extinct, How Can Investors Save for Retirement?

How’s your pension doing? If you answered, “great,” you probably belong to one of a few specific job sectors—or an upper age bracket. The more common answer these days is something other than “great.” Maybe your employer’s pension plan has been frozen, or has pushed early lump-sum payouts, or never existed in the first place…. Read More

Investing in Stocks During Retirement

Should you consider stock investing during retirement?

If you’re like most people, investing in stocks during your working years offers one of your best opportunities for growing a nest egg large enough for a comfortable retirement. And when retirement is still years away, any volatility that comes from stock ownership can be waited out by patiently holding a diversified portfolio. For most… Read More

Factoring Sequence Risk into Retirement Planning

Be sure to factor sequence risk into retirement planning.

When building your retirement portfolio, investing in a routine, systematic way can ensure that you purchase assets at random prices over time. So long as the market moves higher in the long run, any temporary declines, or even major corrections, will provide you with the chance to buy assets on sale. The same cannot be… Read More

How to Determine Whether a Traditional or Roth IRA Works for You

Roth and Traditional IRAs

When it comes to investing, one size does not fit all. This is especially the case when it comes to deciding whether to go with a traditional or Roth IRA. Depending on your situation, either one could provide certain tax advantages to your financial plan. But you need to know the key differences. The Basics… Read More

What to Do with Your 401(k): Managing Your Post-Retirement Assets

What to do with your old 401k

It can be staggering to consider how much Baby Boomers have accomplished. The Boomer generation changed American politics through their passion, altered our perception of the environment through their activism, and changed popular music forever through their tastes. After a lifetime of work, retirement is approaching and there are often financial decisions to be made…. Read More

Retirement Income and Systematic Withdrawals

Retirement Income and Systematic Withdrawals

There’s no shortage of articles about the process of accumulating wealth. We spend our working years deferring part of our incomes into retirement plans and establishing various investment strategies to grow and protect our assets. However, there’s less discussion about the process of distributing our money back out to ourselves in the most effective way… Read More

Is the Fed Really “Stealing from Savers”?


Geoff Considine

In a recent article on MarketWatch, Chris Martenson asserts that the Fed’s low interest rate policy and quantitative easing in recent years is deliberately stealing from savers. This article has elicited a big response, with almost 800 comments and almost 2000 likes on Facebook. The key point of the article is that the Fed’s policy… Read More

Am I Saving Enough to Reach My Goals?

Businessman using tablet computer

Geoff Considine

This is the second installment in our series on how individual investors can assess their financial health. The starting point for any discussion of a household’s financial health is to evaluate current savings and savings rates in the context of financial goals.  The three largest expenses that most families will face are buying a home,… Read More

How Much Do You Need to Save for Retirement?

Geoff Considine

In the financial advisory business, one of the most pressing and controversial topics is how much money people need to save during their working years in order to provide for long-term retirement income.  The research on this topic has evolved quite a lot in recent years, and a recent issue of Money magazine features a… Read More

60-Second Retirement Savings and Income Checkup

Geoff Considine

I think that the American public has largely tuned out the myriad studies showing that most households are woefully under-saving for retirement.  Even if we’d prefer not to think about this issue, however, it is crucial to regularly check on how we are doing.  There are two major questions.  First, during your working years, are… Read More