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401(k)

Don’t Get 401-KO’d

Retirement aside, owning a home is the most significant financial milestone of our lives. Yet many Millennials, who are struggling to reach the same financial milestones as their parents, have found home ownership particularly elusive. According to a report from the National Association of Realtors, the number of Millennials living with their parents increased almost...

Investing at Every Age, in Every Stage of Life

When I was a financial advisor, I aimed to ensure my clients understood that investing is a lifelong process. Rather than a hobby to throw money at every once in a while, investing should be a constant, a way to interact with the economy and grow a portfolio. Of course, before investing it’s important to...

A Guide to IRAs: What Are They and Why Should You Care?

IRA stands for Individual Retirement Account. Quite simply, these are accounts that are set up by individuals rather than by employers. Opening an IRA is very easy and requires only taxable income and a little paperwork. Most banks and investment firms allow users to open these accounts in a matter of minutes. Once an account...

The How-To of Investing in a Comfortable Retirement

The Fed and its central bank cronies are outright dangerous. Bill Gross of Janus Capital may have said it best when he told Barron’s in April, “Today’s ultra-low interest rates are destroying savers who are the bedrock of capitalism.” Forget capitalism. These low interest rates are destroying the retirement dreams of many who worked hard...

The Wild Ride of Retiring in a Bull Market

It’s official – the U.S. stock market is now enjoying the second-longest bull market in history. This bull run started on March 9, 2009, and continues to maintain record-breaking momentum. As a former broker for nearly 20 years, I have advised countless people on how to structure their portfolios. But this gives me pause… When...

Young & Prudent: Everyone’s Favorite Punching Bag

Among Millennials, you’re considered a financial success as long as you’re not in debt. That’s according to research published by Facebook this year. The company analyzed conversations by U.S.-based Millennials on its platform and found that over half of those observed considered having no debt a financial success. Only one in 10 said that being...

America’s Pension Problem: Disaster Looms

Over the last eight years, the Fed’s imprudent policies have hurt one major demographic: savers. Especially those saving for retirement. Low interest rates only make it more difficult to build assets and, more importantly, they require a larger pile of assets, because they don’t yield much interest income. Every retirement plan must allow for roughly...

Investing for Millennials: Tips for Spending and Saving

There’s no denying that we’re living in an age of instant gratification. We’re constantly told to “live in the moment” without a thought of tomorrow. The problem is, tomorrow always comes, and we’re increasingly less prepared for it. Retirement savings, for instance, are falling by the wayside. While we all imagine our golden years to...

How to Retire If You’re Married With Children

Being married, raising children, having a good job to provide for loved ones, and then living a carefree life in retirement enjoying your grandchildren… That’s the American Dream, right? Unfortunately, being married with children and then having a comfortable retirement are becoming incongruous ideas in America. Boomeranging Millennials First, there’s the reality of boomeranging Millennials....

Millennials: Don’t Be Stupid, Invest

There it was, staring me in the face. An article, written by a millennial, titled “If You Have Savings in Your 20s, You’re Doing Something Wrong.” I stared at it, dumbfounded. Like many of you, I was once a 20-something. I had more hair back then. I also didn’t bother investing in my company’s 401(k)...