HSA Hacks: The Most Powerful Retirement Savings
Health Savings Accounts or HSA’s are typically perceived as being – well, savings accounts for people enrolled in a High Deductible Healthcare Plan (HDHP), like you would have at a bank that can help you pay for your health care expenses. And that’s entirely true. They can do that. If you are enrolled in a HDHP (which is a requirement …
Race to the (Tax Filing) Finish!
It is less than four weeks until the April 18th tax filing deadline. Here are some pro tips to help you be (tax) prepared as we approach the (tax) finish line. 1. If you have not started preparing to file, at a minimum you need to make certain you file an extension on your tax return. This does not give …
What’s An Extra 0.25% Between Friends? The Dastardly Machination of Inflation
For the past couple of years, a key metric that has impacted most households in a sudden, meaningful way has been inflation. We have seen the price of goods increase in every aspect of our lives, which has put considerable pressure on households, particularly those of lower income where wages may have already been pretty close to the level of …
Fixed Income Funds Are Farsical
The thesis regarding the development and usage of fixed income funds seems reasonable on its surface. They look at a variety of factors, including volatility, benchmarks, correlation, and time horizon as a means of determining what assets are in their fund. The goal ultimately is a combination of capital preservation and income generation for the shareholder, paying out a consistent …
Six Quick Facts About the SECURE Act and Your Retirement Savings
The Setting Every Community Up for Retirement Enhancement (SECURE) Act was recently passed by Congress as part of the year-end budget resolution. It has some important implications that merit substantial discussion, which I will cover in future podcasts and articles. This list is not a complete list of all the provisions, but does touch on the most common ones I …
Qualified Retirement Contribution Day is Just 50 Days Away! Are you Celebrating?
There are special days for all sorts of things – National Pizza Day (February 9th – I had BBQ Chicken), International Talk Like a Pirate Day (September 19th), and even International Tabletop Day (April 28th this year for you board gamers out there). So I am pleased to inform you that this year, April 17th is National Qualified Retirement Contribution …
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