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Business Cents: Adjusting Your Portfolio as You Age

Provided by Garrett German If you are an experienced investor, you have probably fine-tuned your portfolio through the years in response to market cycles or in pursuit of a better return. As you approach or enter retirement, is another adjustment necessary? Some investors may think they can approach retirement without looking at their portfolios. Their […]

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Taking a Loan from Your Retirement Plan Is a Bad Idea

Provided by Garrett German Thinking about borrowing money from your 401(k), 403(b), or 457 account? Think twice about that, because these loans are not only risky but injurious to your retirement planning.  A loan of this kind damages your retirement savings prospects. A 401(k), 403(b), or 457 should never be viewed like a savings or […]

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Are Your Beneficiary Designations Up to Date?

Provided by Garrett German Here’s a simple financial question: who is the beneficiary of your IRA? How about your 401(k) or annuity? You may be saying, “I’m not sure.” It is smart to periodically review your beneficiary designations.  Your choices may need to change with the times. When did you open your first IRA? When […]

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Why Having a Financial Professional Matters

Provided by Garrett German What kind of role can a financial professional play for an investor? The answer: a very important one. While the value of such a relationship is hard to quantify, the intangible benefits may be significant and long lasting.  A good financial professional can help an investor interpret today’s financial climate, determine […]

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A retirement savings vehicle designed for the smallest businesses

Provided by Garrett German A solo 401(k) lets a self-employed individual set up a 401(k) plan combined with a profit-sharing plan. You can create one of these if you work for yourself or for you and your spouse. Reduce your tax bill while you ramp up your retirement savings. Imagine nearly tripling your retirement savings […]

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Keeping This Market Correction in Perspective

After 20 months of relative calm, this volatility needs to be taken in stride. Provided by Garrett German Are you upset by what is happening on Wall Street? It may help to see this pullback within a big-picture context. Corrections have become so rare as of late that when one occurs, emotion threatens to influence […]

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Will Debt Spoil Retirement?

What pre-retirees owe could compromise their future quality of life Provided by Garrett German The key points of retirement planning are easily stated. Start saving and investing early in life. Save and invest consistently. Avoid drawing down your savings along the way. Another possible point for that list: pay off as much debt as you […]

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Business Cents: Things to Consider for Pre-60 Retirement

Financially speaking, what moves might you want to make for early retirement?  Provided by Garrett German By choice or by chance, some people wrap up their careers before turning 60. If you sense this will prove true for you, what could you do to potentially make your retirement transition easier? As a start, you may […]

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