Articles, Blog Entries and Case Studies

  • Medicare Open Enrollment

    WHAT IS THE MEDICARE OPEN ENROLLMENT PERIOD?The Medicare open enrollment period is the time during which people on Medicare can make new elections between Original Medicare (Parts A and B) or Medicare Advantage (Part C); and, their Prescription Coverage (Part D) if they are on Original/Traditional Medicare.WHEN DOES THE OPEN ENROLLMENT PERIOD START?The Medicare open enrollment period begins on October 15th and runs through December 7th. Any changes made during open enrollment are effective as of...  Read More...

  • The Simple and Impactful Tax Savings Behind Gifting Appreciated Securities

    There are probably nearly as many ways and reasons to give as there are organizations and individuals seeking support. Our time, skills and resources are always in demand! The recent hurricanes and other natural disasters have prompted us to remind our clients and our community of one of the most tax efficient ways to give to charitable causes.   Read More...

  • Blocking and Tackling - The Fundamentals of Personal Finance - Let the Games Begin!

    As the summer draws to a close and fall approaches, school supplies are being whisked off the shelves, suitcases are being unpacked from the last getaway and, as importantly, (here in the South anyway!) the sounds of whistles blowing, pads popping, and coaches shouting signal the start of football season. At first blush, football and personal finance may not appear to be similar “games”, however, a closer look reveals some commonalities; a necessity to understand and execute the fund...  Read More...

  • Are You "Old"? And, What Does Work Look Like if You Are? The New "Retirementality" Continued

    With deference to Mitch Anthony, who writes often about this topic, we agree that the idea of institutionalized retirement is nothing more than an Industrial Age social experiment that, for many, has run its course. Chancellor Otto von Bismarck in the 1880s in Germany mandated that the age for retirement was 70, while the average German worker didn’t live past 46. The legislation was imported to the United States during the Great Depression as a lever to move older workers out and younger worker...  Read More...

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401(k) Resource Center

You and Your 401(k) Retirement Plan

Your 401(k) is a key element of your overall financial plan. Importantly, it enables you to ‘pay yourself first’ by making contribution elections to fund your retirement and other goals directly from your paycheck.


  • Decide ‘Roth’ vs. ‘Traditional’ contributions –Traditional 401(k) contributions are made with pre-tax dollars – defers taxes on your contribution and gains until you withdraw funds. ‘Roth’ contributions are made with post-tax dollars – you pay the taxes on your contribution now but pay no tax when you withdraw your contribution or the gains (providing you are at least 59 ½ at the time of withdrawal).
  • Determine your Risk Tolerance - Important factors to consider in assessing your risk tolerance include your goals, your investment time horizon, and your current financial situation. The Investor Profile and Asset Allocation Calculator can help with assessing your risk tolerance and indicate an asset allocation suitable for you.
  • Select Funds for your Asset Allocation. From the fund menu, select and assign percentages to funds in the asset classes which best support your situation. Provided are two approaches:
  • A ‘basic’ core strategy with a limited number of funds which contain multiple asset classes and providing exposure to the bulk of the world’s capital markets.
  • An ‘advanced’ core and satellite strategy delineating a more robust selection of fund choices per asset class.
  • Ensure your beneficiary designations support your estate plan – failure to do so may undermine the estate plan you’ve worked out with your estate planning attorney. Consider checking with your attorney for direction.

Planning and Investing Basics

Planning and Investing: Digging Deeper