Retirement Archives

A cyclist in professional gear rides along a winding asphalt road through a lush mountain valley. The scene features steep, rocky hillsides dotted with Mediterranean vegetation and a clear blue sky.

What is a target-date fund and how does it work?

Planning for the future can sometimes feel like you’re trying to hit a moving target, especially when you’re balancing today’s needs with tomorrow’s dreams. It’s

05/04/2026

Is your portfolio truly ready for retirement? Moving beyond generic rules of thumb.

Transitioning from a steady paycheck to living off your life savings is one of the most significant, and potentially stressful, pivots you’ll ever make. There

03/26/2026

A low-angle shot of the white marble exterior of the Federal Reserve building, featuring the engraved "FEDERAL RESERVE" title and a large stone American eagle sculpture with outstretched wings perched above the entrance.

When will the Fed cut rates? June 2025 meeting points to a timeline.

As was widely expected, the Federal Reserve held interest rates steady at its June meeting, navigating a difficult moment with risks to both inflation and economic growth. While a potential tariff-driven price spike is keeping the Fed on hold for now, a closer look at their projections and Fed Chair Jerome Powell’s comments reveals a clear bias towards cutting rates later this year.

06/20/2025

Got a concentrated stock holding? How to diversify in a tax-smart way

A common problem we see among members is how to handle a single stock that has become too large within their portfolio. It is a good problem to have, but presents a real challenge. Here are some general principles for approaching this, applicable whether the stock is from your employer or simply a long-held investment that has appreciated.

05/29/2025

Backdoor Roth IRA: What it is and how to do it

Learn what a backdoor Roth IRA is, how it works, and what you need to know to determine if this strategy is right for you.

01/29/2025

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Roth IRA vs traditional IRA: Differences, limits, pros and cons.

All you need to know when comparing traditional IRAs and Roth IRAs, including eligibility limits, contributions and withdrawals, tax implications, and more.

01/18/2025

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SIMPLE IRA: Eligibility requirements, contribution limits, compliance

Everything you need to know about eligibility, contribution limits, compliance, penalties for early withdrawals, and more.

02/26/2024

SIMPLE 401(k): How it works, who qualifies, contribution limits

Deciding between retirement plans for your small business can be daunting. Learn whether a SIMPLE 401(k) is the right plan for you and your employees.

02/22/2024

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Spousal IRA: Qualifications, contributions, tax considerations

Learn everything you need to know about spousal IRA accounts, including eligibility requirements, contribution limits, tax advantages, and investment options.

02/13/2024

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Should I max out my IRAs at the beginning of the year?

Discover the potential benefits of front-loading your IRA accounts early in the year – backed by real market data.

01/17/2024

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Top 4 retirement plan options for small business owners

Here are the 4 types of retirement plan options for small business owners to consider and how they work.