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IRA Taxation

Traditional and Roth IRA Taxation

By Jo Madonna, E.A. | September 13, 2019

The Role of Traditional and Roth IRA Taxation Ask anyone who is putting money aside for retirement what the first thing was that they invested in, and they’ll probably say, “An IRA.” It is, in fact, one of the easiest ways to save for retirement. It lets IRA owners make ongoing contributions and invest them Read more…

using difference tracking

Using Tracking Difference to Analyze Performance

By Scott Roark | August 30, 2019

Benchmarking vs. Tracking Difference In a recent podcast episode (Edu #1925), we talked about benchmarking investment performance.  It is important for investors to know how well they (or their managers) are doing with the investment decisions they make.  One of the reasons that managers may not like to benchmark is that historically, relatively few managers Read more…

Social Security

A Closer Look at Social Security Taxation

By Jo Madonna, E.A. | August 16, 2019

A Closer Look at Social Security Taxation: The Importance of the Combined Income Calculation If you’re concerned about whether – or how – your Social Security benefits will be taxed, you’re either already over 62 and living with monthly Social Security deposits into your bank account, or working on your retirement planning for when they Read more…

retirement planning sequence risks

Retirement Planning and Sequence Risk

By Scott Roark | August 2, 2019

What Is Sequence Risk? Sequence risk is an important notion in the world of retirement planning.  It refers to the risk that the sequence of returns in an investment portfolio will negatively impact the ability of the portfolio to deliver sufficient payouts throughout retirement.  In extreme circumstances, sequence risk may even mean a portfolio runs Read more…

How to Put the Premium Tax Credit to Work

By Laila Dillsi, CPA | July 19, 2019

The Affordable Care Act (ACA) – nicknamed Obamacare – was disappointing for some, but a godsend for others. If today it is your solution for healthcare coverage, you will want to take maximum advantage of one aspect of it called the ‘Premium Tax Credit,’ assuming you qualify. The Premium Tax Credit (PTC) is a tax Read more…

correlation and diversification

Portfolio Diversification and Asset Correlation

By Scott Roark | July 5, 2019

What is Correlation? Correlation between asset returns is an important consideration when you are managing portfolio diversification.  Correlation is a statistical measure of the relationship between items. An easy example to understand is the correlation between height and weight.  Usually, when height increases, weight also increases and you have what is called a “positive correlation” Read more…

Excess IRA contributions

Excess IRA Contributions, Part 3: Fixing Them

By Jim Saulnier, CFP | June 21, 2019

Fixing Excess IRA Contributions  Albert Einstein is said to have said, “We cannot solve our problems with the same thinking we used when we created them.” So, if we managed to create the problem of excess IRA contributions, we might want to involve a knowledgeable advisor when it comes to fixing excess IRA contributions at Read more…

IRA Taxation

Excess IRA Contributions, Part 2: How They Happen

By Jim Saulnier, CFP | June 7, 2019

How Excess IRA Contributions Can Happen If you simply put the right amount of money each year in the right IRA account and allowed it to grow until time to withdraw funds, managing traditional IRAs would be smooth sailing. However, both life – and the desire to maximize the returns on your retirement funds – Read more…

IRA Taxation

Excess IRA Contributions, Part 1: Basic Qualifications

By Jim Saulnier, CFP | May 24, 2019

Excess IRA Contributions: Basic Qualifications We hear a lot about how important it is to contribute to an IRA. So, ‘how to contribute correctly’ becomes an important topic. Not that it is difficult, but there are some important rules regarding IRA contribution qualifications that you have to follow. And since you put money into an Read more…

correlation and diversification

It’s All Relative (Performance)

By Scott Roark | April 20, 2019

There are plenty of circumstances in life where you really don’t want to compare yourself with others.  Doing that is a fairly reliable way to make yourself feel bad – there will always be someone better looking, more athletic, more successful or richer than you.  But in the world of investing, it is critical to Read more…

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