News and Commentary

4 Savings Strategies for Recent College Grads By Brendan T. Hayes

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Posted on September 16, 2021 by Brendan Hayes

As college graduates embark on their professional careers, they should consider the following savings strategies to help prepare them for a sound financial future. Like most things in life, the earlier you start planning and preparing, the more likely you will achieve your goals. Employer-Sponsored Savings Plans While retirement may seem like a long way […]

4 Critical Actions to Help Recession-Proof Your Finances by Jamel Gordon, CFP

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Posted on September 01, 2021 by Jamel Gordon

The U.S.’s longest economic expansion came to a halt in the first quarter of 2020 with the COVID-19 pandemic. Despite the uncertainty surrounding the longer-term financial impacts of the health crisis, we could look to prior economic downturns to prepare ourselves to weather an extended storm. After all, those who do not learn from history […]

The Importance of Trusts for Families at All Income Levels By Lee F. Hediger

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Posted on August 26, 2021 by Lee Hediger

Trusts, once thought of as vehicles reserved for the wealthy, have been garnering attention from families at all income levels. In fact, trusts are becoming as ubiquitous as wills, providing individuals with the assurances that their wishes for asset distribution and care of loved ones will be followed upon their death and done so rather […]

The Basics of Bitcoin, Etherium and Other Cryptocurrency By Morgan Hill, MSF

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Posted on August 18, 2021 by Morgan Hill

You cannot scroll through the news or social media today without reading about cryptocurrency, which in early 2021 reached a market capitalization of more than $2 trillion. Despite this trading volume and widespread news coverage, cryptocurrency continues to be a volatile investment and a target of IRS tax compliance. Here’s a crash course in everything […]

Your 401(k) Is Not an Emergency Savings Account By Olga Ismail

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Posted on August 12, 2021 by Olga Ismail

Saving for retirement through an employer’s 401(k) plan is a great way to invest in yourself – both for today and for your future. With each contribution to your plan, you essentially pay yourself (rather than Uncle Sam) and allow those payments to stay invested in the market, where they have the potential to grow […]

Relatable Finance Podcast Episode 82 – Planning for Paying For College

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Posted on August 10, 2021 by Shane Phillips

In this episode the relatable finance guys discuss ideas to consider when saving for college expenses.     As with other investments, there are generally fees and expenses associated with participation in a 529 plan. There is also a risk that these plans may lose money or not perform well enough to cover education costs […]

Mega Backdoor Roths Can Turbo-Charge Retirement Savings By Sean Deviney, CFP®

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Posted on August 04, 2021 by Sean Deviney

Individuals looking to boost their retirement savings beyond the traditional limits of workplace 401(k) and 403(b) plans may have an opportunity to do so with a mega backdoor Roth. This strategy may provide a workaround to the income and contribution limits of Roth IRAs while allowing high-net-worth individuals to yield the benefit of tax-free distributions […]

IRS Continues to Target Taxes on Cryptocurrency By Todd A. Moll, CFP®, CFA

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Posted on July 21, 2021 by Todd Moll

Investors who can stomach the wild swings of cryptocurrency’s rapid fluctuations should be forewarned: the IRS is fortifying its efforts to regulate crypto assets and enforce investor’s tax reporting and payment obligations. How investors proceed is critical. In 2014, the IRS released initial guidance on cryptocurrency, defining it as property subject to federal taxes on […]

Department of Labor Issues First-Ever Cyberthreat Guidance for Retirement Plan Fiduciaries By Sean Deviney, CFP®

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Posted on July 06, 2021 by Sean Deviney

The Department of Labor’s Employee Benefits Security Administration (EBSA) recently released cybersecurity guidance to help retirement plan sponsors (employers and business owners), record keepers and other plan fiduciaries mitigate the growing risks of cyber threats, including fraud and identity theft. According to the EBSA, employer-sponsored retirement plans regulated by the Employee Retirement Income Security Act […]

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