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mark61504
- Nov 22
- 2 min
Social Security, How to plan for the unknown?
Nobody wants to enter retirement unsure if they will be able to afford basic goods and services. With meaningful inflation for the first...
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mark61504
- Nov 3
- 1 min
How can Buy Now, Pay Later Hurt Retirement?
Point of sale installment plans seem to be everywhere. Companies like Affirm, Apple, Afterpay, Zip, and Paypal are just a few of the...
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mark61504
- Sep 22
- 1 min
SEC hits Schwab robo-adviser with $187 million dollar fine
Sometimes independence isn't all it is cracked up to be. As fees become a greater focal point of consumers, vendors have tried to lower...
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mark61504
- Sep 8
- 1 min
Stop Saving or Double Down?
When bear markets hit, retirements savers discipline is frequently tested. It can be discouraging to see your account balance go down...
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mark61504
- Aug 25
- 1 min
HSA limits going up
For the super saver's among us, hopefully you are fully taking advantage of your company retirement plan. 2022 limits of $20,500 and...
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mark61504
- Aug 5
- 1 min
Wild Wild West.....of 403b's
Despite all of the talk about 401K plan fees over the last decade, their cousins, the 403b, still lack clarity in terms of their...
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mark61504
- Jul 21
- 1 min
Aren't Stretch IRA's Dead?
Under the SECURE Act, the method of inheriting an IRA and then stretching it out over ones lifetime was greatly diminished. Imagine a...
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mark61504
- Jun 3
- 1 min
Hypothetical Trade-Offs and What They Tell Us About Ourselves
According to a 2021 PLANSPONSOR Participant Survey, the average retirement saver may not be that savvy. That is of course not what the...
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mark61504
- May 16
- 2 min
Time in the market, buying at a discount, and other things us financial professionals shouldn't say.
Well, here we are. The first quarter of 2022 stunk for your retirement accounts. The S&P 500 Index was down over 4% and the Barclays...
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mark61504
- Apr 6
- 1 min
What are the top financial priorities of employees?
According to The Financial Wellness Report, published in partnership with ADP, employees have a lot of concerns. The following is the...
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mark61504
- Mar 9
- 1 min
Another Proprietary Fund Lawsuit: What does independent even mean?
Lowe's famous tagline is "Do it right for less". In the case of their 401K plan, a judge found Aon didn’t violate ERISA when encouraging...
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mark61504
- Mar 7
- 1 min
DOL's ESG Rule & 401K's
The DOL issued a much anticipated rule on the use of ESG investments in retirement plans. The E stands for environmental, the S stands...
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mark61504
- Feb 25
- 1 min
Retirees Waiting to Tap RMDs
Behavior in retirement has been pretty, pretty, pretty good! A research paper from JP Morgan Asset Management shows most people aren't...
6 views0 comments
mark61504
- Feb 23
- 1 min
Medicare Premiums: Inflation Strikes Again
The standard Medicare Part B premium which covers doctors visits and other outpatient services increased to $170.10 per month in 2022. ...
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mark61504
- Feb 2
- 1 min
Closing Racial & Ethnic Savings Gaps in 401(K)'s
Black & Latino 401K savings rates are lower compared to their white counterparts according to recent research from T. Rowe Price. The...
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mark61504
- Jan 25
- 1 min
Benefits of Working Longer
Many Americans aspire to retiring early. Social Security ages frequently guide employees decision on when to retire. For older...
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mark61504
- Jan 21
- 1 min
Financial Wellness a Differentiator for Employers
As employers look to differentiate their financial benefits in a tight labor market, one area that is scoring high with employees...
10 views0 comments
mark61504
- Dec 15, 2021
- 1 min
Emergency Savings Accounts having a moment...
Emergency savings accounts offered by employers are back in the news. In Washington, there are proposals to allow for distributions from...
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mark61504
- Dec 10, 2021
- 1 min
Reading Fed Tea Leaves
How important is it for you to read what the Fed is doing to determine your investment strategy? How much say does the Fed even have in...
8 views0 comments
mark61504
- Nov 19, 2021
- 1 min
Not your K, your SSA!
When we meet with individuals, one of the most overlooked elements of their retirement is also frequently the biggest, their Social...
9 views0 comments