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 […]
Continue Readingby 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 […]
Continue Readingby 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 […]
Continue Readingby 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 […]
Continue Readingby Craig Moser on November 16, 2018
New Year’s Eve is still more than a month away. So why not avoid any last-minute fire drill and start your year end financial planning now? Do it now while you still have time to increase your retirement savings, and […]
Continue Readingby 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 […]
Continue Readingby 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 […]
Continue Readingby 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 […]
Continue Readingby 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 […]
Continue Readingby 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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