401(k) Plans: The Early Days, ERISA and Your Fiduciary Responsibility

Third in a series of articles about retirement plan costs for investors, business owners and plan administrators Key Takeaways The Employee Retirement Income Security Act of 1974 (ERISA) put in place guidelines to help protect retirement plan participants. The 401(k) plan, although a relatively new concept, has become the primary retirement savings vehicle for today’s […]

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401(k) Plans: Don’t Let the Fees Sneak Up on You

Second in a series of articles about retirement plan costs for investors, business owners and plan administrators Key Takeaways  You don’t have to know all the answers, just ask the right questions. 401(k) costs can have a major impact on long-term results for participants. Be aware of the costs you are incurring and be diligent […]

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401(k) Plans: There Is No Free Lunch

First in a series of articles about retirement plan costs for investors, business owners and plan administrators  Key Takeaways Think of the long-term impact when it comes to making the decision to participate in your company retirement plan. Respect the power of compounding. Time and discipline make for successful investment outcomes. This article series is […]

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Charitably Inclined
Making the most of your charitable giving

Key Takeaways Before giving money away, research your intended charities carefully on Charity Navigator–a free site that can help you give more intelligently. Charitable gifts are tax-deductible provided you are a taxpayer who itemizes deductions. However, there is a limit imposed on the amount you can deduct, and other adjustments may be required. Tax-free charitable […]

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A Tale of Two Time Periods

Investors can still feel unfulfilled in these heady days for the Dow Jones Industrial Average Key Takeaways Discipline is the key to harvesting returns from risk assets. Follow your plan, not the crowd. Research shows that patient investors will be rewarded for taking smart risks on small cap and value stocks. Risk and reward are […]

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Social Security Benefits – Look Before You Leap

Key Takeaways The decision of when to begin receiving benefits is a very personal one and there is no “one-size-fits-all” solution. Electing to begin benefits at the earliest age of 62 could mean you will receive 25% less than your full retirement benefit for the rest of your life. Your benefit will increase by 8% […]

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Are You Fishing for Returns in “The Business District”?

Key Takeaways The stock market’s business district is where small stocks and value stocks tend to reside. Because of their risk characteristics (i.e. higher risk), those companies offer higher expected returns than their large stock and growth stock counterparts. But, they tend to be riskier than the average stock. Since risk and return are related, […]

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