Building a Better 401k

Most 401k plans are analogous to something like this: After seeing your doctor she informs you that you need to have a routine surgery.  While you are concerned somewhat, she tells you that you are perfectly healthy and have nothing …

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Financial tips for Intel employees ages 50+

Is 50 too young to be thinking about retirement? After all, people are working into their 70’s nowadays! If you are an Intel employee age 50 or over, here are some things you should be considering. #1 Begin to think …

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Arizona Tax Credits

Just a friendly reminder to our Arizona based clients that tax credits are available for donations to various organizations, some of which must be made by year end. A tax credit is a dollar for dollar reduction in the amount …

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Issues with Target Date Funds

401K Specialist Magazine has an interesting article about target date fund lawsuits. It’s worth a read if you manage a plan. While target date funds are great choices for most 401(k) plan participants, we’ve never been completely comfortable with them. …

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Inflation and Social Security

Morningstar has a great piece on the issue of inflation during retirement. Typically, pensions and annuities do not offer inflation protection. So, over time your income declines in real terms. Even at low rates of inflation, the buying power of …

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