Insights

While one of the most obvious challenges in retirement is not running out of money, there are other important factors to consider and prepare for that may not be as top of mind. Even if you don’t consider yourself close to retiring, you may be able to use this information to help you plan for the future or even assist a parent, loved one, or friend. Ages and Stages – For many, retirement could be a 30+ year expedition. Time spent
Read more

Without the right planning, accumulating a large IRA can come along with some unexpected consequences, including higher future taxes and increased Medicare costs for high income earners. Here’s how the situation arises in the first place. Medicare charges premiums to participants in Medicare Part B, which covers doctor visits, and Part D, the prescription drug benefit. In 2018, the basic premium for Part B is $134 per month, while it varies for Part D depending on the plan. However, high-income
Read more

Our analysis of US-based mutual funds shows that only a small percentage of funds have outperformed industry benchmarks after costs—and among top-ranked funds based on past results, only a small percentage have repeated their success.  

We should expect that education costs will likely be higher in the future than they are today. With school back in session in most of the country, many parents are likely thinking about how best to prepare for their children’s future college expenses. Now is a good time to sharpen one’s pencil for a few important lessons before heading back into the investing classroom to tackle the issue. THE CALCULUS OF PLANNING FOR FUTURE COLLEGE EXPENSES According to recent data
Read more