#9 Building Block – Know the right way to get your money out

Because of the tax implications and inflation, how and when you take money out of your plan could be more important than how you put it in. Learn the distribution rules, including any loan provisions. Learn liquidation strategies for your investments while they continue to grow, what to do when you change employers, and how to minimize the tax impact on distributions. … [Read more...]

#8 Building Block – Design and structure a well-balanced investment portfolio

Having  your own personal investment plan for accumulating capital will help you set reasonable goals and manage your expectations for reaching them. Plus, it will help you not panic because you “heard something” on the news, and stop you from defaulting to short-term moves, thereby, potentially missing out on gains that long-term investors enjoy with much less effort. … [Read more...]

#7 Building Block – Understand all your investment choices, so you can make selections that meet your own investment needs and goals

When you build an effectively diversified portfolio, you’ll need to combine funds for each asset class. Your plan is required to provide a prospectus for each of these choices. Familiarize yourself with what is available, then ask questions to be certain you’re getting the characteristics you require to meet your own risk/reward threshold. … [Read more...]

#6 Building Block – Six Principles of Successful Investing

    Our six principles will give you the highest probability for success. These principles work together to smooth out the roller-coaster ride associated with good and bad markets. Learn more about them to produce steady results. 1. Dollar Cost Averaging 2. Diversification 3. Asset Allocation to Build a Portfolio 4. Asset-Class Investing 5. Time 6. Rebalancing … [Read more...]

#5 Building Block – Understand your asset classes

Asset class is a term frequently used, and as frequently misunderstood, in the investment world; but, asset classes are really nothing more than categories of various types of investments. Learn what they are and how they work together in “How to Build, Protect, and Maintain Your 401(k) Plan.” … [Read more...]

#4 Building Block – Know the risk you’re willing to take

Everybody is a long-term investor – until the market drops one percent or you get your quarterly statement. What is your true tolerance for risk? Discover the answer in “How to Build, Protect, and Maintain Your 401(k) Plan.” … [Read more...]

#3 Building Block- Learn how Employer Matching Funds can add money to your plan

Matching funds are basically free money, and you would be crazy to turn away free money. That’s what you’re doing if your company offers a matching employer contribution and you’re not putting in the amount necessary to receive the maximum matching funds. Find out the eligibility requirements and begin participating as soon as possible. Any delay is throwing money away! … [Read more...]

#2 Building Block – Learn how to put money into your 401(k) plan

  It’s possible that you aren’t aware of rules affecting contributions to your specific plan. Here are the questions to ask yourself: What are the eligibility requirements and vesting schedule? How much money can I put in my plan? What is the tax-free allowance or government subsidy? Since only you know exactly how each of these plan elements affect you, the more knowledge you … [Read more...]

#1 Building Block – Learn what’s in your Summary Plan Description (SPD)

Your SPD is the cornerstone of your retirement plan, so, it's important to learn every angle and how to work it in your favor. It doesn't help if you have a general knowledge of 401(k) plans, but don't understand the specific rules of your own plan. Ask your plan administrator for a copy of your SPD and read it. … [Read more...]

Our Response to Brexit

TO: Our Clients DATE: June 24, 2016 RE: Our Response to Brexit First, we have been monitoring and analyzing the Britain’s potential exit from the EU from the beginning, and will continue to do so. In short, the Brexit outcome has created uncertainty and elevated levels of fear globally for market participants. However, are there any concrete reasons to be concerned or to react in a fearful … [Read more...]