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New 401(k) Plan Disclosure Rules

As 401(k) plans have become more popular, plan participants have become increasingly responsible for making their own retirement savings decisions. The Department of Labor (DOL) has become concerned that participants in self-directed 401(k) plans (those that allow participants to direct the investment of their own  …read more »

403(b) Plans, Contribution Limits and Rollover Options

A 403(b) plan is an employer-sponsored retirement plan for certain employees of public schools, tax-exempt (501(c)(3)) organizations, and churches. The employer can purchase annuity contracts for eligible employees, or establish custodial accounts to be invested in mutual funds or other investments. In the case of  …read more »

A Good Time to Consult a Financial Planner

In many cases, a specific life event or a perceived need may prompt you to seek professional financial planning guidance. Such events or needs might include: Getting married or divorced Having a baby or adopting a child Paying for your child’s college education Buying or selling a  …read more »

Some Misconceptions About Financial Advisors

Maybe you have reservations about consulting a financial advisor because you’re uncertain about what to expect. Here are some common misconceptions about financial advisors, and the truth behind them: Most people don’t need financial advisors — While it’s true that you may have the knowledge and ability to manage your  …read more »

Working with a Financial Advisor

Even if you feel competent enough to develop a plan of your own, a financial advisor can act as a sounding board for your ideas and help you focus on your goals, using his or her broad knowledge of areas such as estate planning and investments. Specifically,  …read more »

Saving for College

There’s no denying the benefits of a college education: the ability to compete in today’s competitive job market, increased earning power, and expanded horizons. But these advantages come at a price–college is expensive. And yet, year after year, thousands of students graduate from college. So,  …read more »

In-Service Withdrawals from 401(k) Plans

You may be familiar with the rules for putting money into a 401(k) plan. But are you familiar with the rules for taking your money out? Federal law limits the withdrawal options that a 401(k) plan can offer. But a 401(k) plan may offer fewer  …read more »

College Board Releases New College Cost Figures

On October 25, 2011, the College Board released college cost figures for the 2011/2012 academic year in its annual Trends in College Pricing report. To view the Trends in College Pricing 2011 report, click here.  Here are the highlights: Public colleges (in-state students): Tuition and  …read more »

Tips to Boost Your Kids’ College Funds

Establish a goal. If you specify a savings goal, you’ll be able to measure your progress.  We can advise you to the dollar, how much money you need to save monthly, quarterly or annually to meet your goals.  Save regularly. Set up automatic withdrawals from your paycheck  …read more »

Stock Market Volatility Keeping You Up?

Long-term investing goals and financial plans will help you avoid impulsive moves. Once again, we are seeing a lot of volatility in the market. Times like these indicate your tolerance for volatility. Unfortunately, further market volatility is inevitable.  So to protect your portfolio during these  …read more »