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2017 Contribution Limits, Deductions, and Other Rule Changes

Every year brings a number of changes in various financial rules and regs that impact our personal financial planning. While President-elect Donald Trump has proposed sweeping tax reform, it’s impossible to know which of
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Keep More of Your IRA/401(k) Gains Through Smart Tax Planning

This article pertains specifically to investors who have both a tax-advantaged account (IRA/401k) and a taxable investment account. If you don’t have a taxable investing account, don’t make the mistake of thinking we’re
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Why It Might Be Timely to Convert a Traditional IRA to a Roth in 2016

This year’s market correction has been severe enough that it’s causing some investors to feel like they should “do something!” in response. Our advice? Stay calm and don’t take dramatic action. Instead, wait for an
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2016 Contribution Limits, Deductions, and Other Rule Changes

Every year brings a number of changes in various financial rules and regs that impact our personal financial planning. Here’s a guide to some of the more significant changes for 2016. Retirement Plans If you participate
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How To Minimize The Cost Of Early IRA Withdrawals

It is generally not a good idea to take money out of an IRA before you retire. Doing so usually thwarts the purpose of an IRA: to accumulate enough money to help cover living expenses in retirement. However, sometimes
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Invest In Your 401(k) - Or Pay Down Your Home Mortgage?

“We’d like to start prepaying our mortgage, but we can’t do that and invest for retirement. Which should have the priority?” That’s a common question—and there’s no one-size-fits-all answer. Your age, tax bracket, how long
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Overlooked Factors In The Roth vs. Traditional Decision

Austin's post-tax-season reflections yesterday got me thinking about another tax filing issue: whether to make retirement plan contributions on a Roth or Traditional basis. This is one of the most common questions I hear,
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Taking a One-Portfolio Approach to Your Investments

Leonardo da Vinci reportedly said, “Simplicity is the ultimate sophistication.” And he lived at a time before e-mail, voice mail, and the many other supposedly time-saving technologies have proven only to raise our
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Which Assets Should You Withdraw First During Retirement?

Once you reach retirement and begin drawing from the storehouse of wealth you’ve worked so hard to accumulate, two questions arise. First, how much can you withdraw each year without running the risk of depleting your
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529 Plans, The Hunt For Revenue, And Why Tax Diversification Makes Sense

A minor debacle unfolded last week, as the Obama administration quickly retracted a proposal to tax 529 plans, a popular type of college savings account. The proposal was initially floated as part of this year's State of
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