401K

Roth IRA & Roth 401k – The Basics

by Craig Moser on February 7, 2020

Roth IRAs and Roth 401(k) plans are incredibly popular, and why wouldn’t they be? Both offer tax-free earnings and allow the account owner to pass tax-free dollars to their beneficiaries. However, despite the ubiquity of Roth accounts, there are some […]

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Chocolate Cake

by Craig Moser on January 17, 2020

Most of us have heard “everything in moderation”, especially when referring to healthy eating.   For example, you may love chocolate cake.  You may even have a slice once a week, and that’s okay.  After all, everything in moderation.  But would […]

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Tax-Deferred Savings and Tax Rates

by Craig Moser on May 24, 2019

It can be very hard for people to grasp the fact that contributing to a tax-deferred IRA and/or 401k plan isn’t necessarily the best choice. There is a question of national debt, and a strong probability taxes will be higher […]

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Getting Tax Efficient

by Craig Moser on November 30, 2018

I frequently see people losing money to taxes.  Usually it’s because they don’t consider (or understand) the impact different types of investments have on taxes.  The trade-off of getting tax efficient is accepting short-term costs for long-term benefits.  Below are […]

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Paying Uncle Sam When You Retire

by Craig Moser on July 27, 2018

There’s an old saying, “you can pick your friends but you can’t pick your family!”  Even if we could, no one would pick Uncle Sam because he always wants your money; even when you retire.  Have you thought about paying […]

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Taxes and Your Future

by Craig Moser on June 1, 2018

Have you thought about taxes and your future? We all know the government has bills to pay. To do that, they need tax revenue. Generating that tax revenue is debated with two primary choices.  Either ask a smaller percentage of […]

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Indexes or Humans: Your Investment Boat

by Craig Moser on September 8, 2017

The decision to use indexes or human managers depends on whether you want a rudder on your investment boat.  Unlike the current headlines tout, good risk-adjusted returns don’t simply depend on low investment fees.  They also depend on sensible risk […]

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Quiz: What is a Rollover?

by Craig Moser on June 23, 2017

Many people think it’s easy to move retirement assets…but is it really?  Take our short quiz to test your knowledge and answer the question:  What is a Rollover?   The Quiz You are moving funds out of your employer-sponsored plan […]

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Questions to Ask About Your 401(k)

by Craig Moser on January 6, 2017

An employer-sponsored 401(k) savings plan is a great vehicle for accumulating wealth on a tax-deferred basis.  Because all 401(k) plans are not created equal, you may need to improve the plan so it better meets your needs.  All you have […]

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Customized Social Security Benefit Summary
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Financial Organizer
to summarize all aspects of your financial affairs

Portfolio Evaluation
showing how your investments have performed historically and the fees that you are paying

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