Retirement Savings and Investments

There are a lot of questions about retirement savings and investments.

With regards to savings, you need to know: How much to save (did you know that some people save too much)? How much savings you will you need for retirement? Where should you save? Should you save pre-tax (traditional, SEP & Simple IRAs, 401ks, 403bs, 457s, 529s, HSAs, etc…) or after-tax (Roth IRAs and 401ks)? How do you find more money to save?

And, there are probably even more questions about investments: What should you invest in (stocks, bonds, real estate, funds)? How should your investments change over time? How do your financial values impact your investment strategy? What is the ideal asset allocation for you? What should you do when the market swings wildly?

See below for articles covering the answers to these questions and more.

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consumption smoothing

What is Consumption Smoothing? And, Why Is It Important to Your Lifelong Happiness?

While most people do short term consumption smoothing, you really need it for your future financial security.

April 28, 2022
roth ira mistakes

15 Mistakes People Make with Roth IRA Savings and Conversions

There are a lot of potential Roth IRA mistakes to be made: 1) Not doing it, 2) Not knowing the rules, 3) Timing, 4) Poor planning, 5) Overlooking spouse… and more!

April 21, 2022
I Bond Pros and Cons

I Bond Pros and Cons: Why They’re Such a Sweet Treat Right Now

I scream. You scream. We all scream for… I Bonds. Learn why there is so much excitement for I Bonds and explore the pros and cons of this investment.

April 14, 2022
retirement bucket strategy

Is a Retirement Bucket Strategy Right for You and Your Money? (And, How to Calculate)

Is a retirement bucket strategy right for you? Learn how to calculate your buckets and model them in your financial plan.

April 13, 2022
best retirement investments

The Best Retirement Investments to Achieve Your Financial Goals

The best retirement investments depend entirely on you and your goals. Here are 15 great opportunities for you to consider. Read now!

April 13, 2022
behavioral finance

Behavioral Finance: 16 Easy Ways to Outsmart Your Brain for More Wealth and a Better Retirement

Behavioral finance can show you how to be happier, wealthier and achieve a better retirement. Explore 16 rules of thumb for a better future.

March 31, 2022

Podcast: Cullen Roche — Inflation Risks & Investing for Retirement

Steve and Cullen, founder of Orcam Financial Group and Discipline Funds, discuss inflations risk and investing for retirement

February 24, 2022
investment policy statement

Can an Investment Policy Statement Make You 5 Times Wealthier?

Find out why an investment policy statement will keep your financial goals on target and how to get one set up. Learn more now…

February 17, 2022

Great Financial Advice in 8 Words or Less

Financial advice is often complicated. However, it can be simplified. Browse wisdom for saving, investing, spending and living.

February 2, 2022
volatility index

What is the Volatility Index? What Does it Say About the Economy Today and Future of the Markets?

What can the volatility index tell you about the future of the stock market and your own financial security?

January 27, 2022

401k Plans Getting Better: Are They Reason Enough to Work Longer?

Retirement savings programs are improving and most Americans now want to save more. What is a good employer match? How does yours compare?

January 20, 2022

Are TIPS the Tips You Need with Inflation on the Rise?

Treasury Inflation-Protected Securities (TIPS) are touted as good investments for inflation protection. But, they have significant downsides. Explore the pros and cons.

December 16, 2021

Should You Pay Off Mortgage or Invest?

Get insights for the best way to use your money. What are the pros and cons of paying off mortgage vs. investing?

December 9, 2021

Cryptocurrencies and Your Retirement

Is investing in cryptocurrencies a good idea for retirement? Explore the pros and cons of this volatile asset class.

November 18, 2021
what rate of return to use for retirement projections

What Rates of Return Should You Use for Retirement Planning?

Get details on historic returns and a framework for making your rate of return projections. Here is info you need for a more secure future.

November 11, 2021
asset allocation as you age

Best Asset Allocation at Different Ages

The best asset allocation strategy for you today? As you age? Is age the best way to determine investment strategy? Get answers.

November 11, 2021
how to invest for retirement

7 Simple Tips for How to Invest for Retirement

Knowing how to invest for retirement can be complicated and it is not an innate skill. However, you can do it with these 7 simple tips.

November 11, 2021

The Biggest Risk in Financial Planning: Avoiding Risk

According to experts, one of the biggest risks in financial planning isn’t investing in a volatile portfolio, but rather avoiding risk altogether.

November 3, 2021
end of year tax tips 2021

11 Year-End Tax Planning Strategies to Keep More 2021 Money and Prepare for Future Wealth

These 11 year-end tax tips for retirement will help you minimize your 2021 taxes and reduce future tax bills.

October 28, 2021

Are Alternative Investments a Good Idea for Your Retirement?

Should you consider alternative investments as part of your retirement asset allocation? Probably not, but it depends. Explore the pros and cons.

October 21, 2021

6 Strategies to Manage Required Minimum Distributions (RMDs)

Are RMDs desired income or a cost? Either way, preserve wealth with these 6 strategies for minimizing taxes on your withdrawals.

October 11, 2021
donor-advised funds

What is a Donor-Advised Fund?

Learn about donor-advised funds and the significant tax advantages they offer. Explore the downsides to this charitable giving strategy as well.

October 7, 2021

10 Recent Economic Headlines and What They Mean for Your Money (Will Roth Conversions Be Scrapped?)

As summer ends and the economy continues to reopen, there has been a lot of significant economic news. Here are 10 recent headlines and what each of them means for your money. Some of these headlines report on events that have happened. Others are anticipating future events. Each may have a significant impact on your…

September 30, 2021
reduce 401k fees

401(k) Fees: Get to Know What You Pay and Reduce the Expense

Many of us are oblivious to the fees, but almost everyone with a 401(k) pays them. Get 7 ideas for reducing costs to greatly increase wealth.

September 23, 2021

NewRetirement Planner

Take financial wellness into your own hands and do it yourself retirement planning: easy, comprehensive, reliable.