Vanguard Lowers Fees (Again). Here’s why…
Wed, 05/4/16 | 6 Comments

Vanguard recently announced that they over the past six months, they have reduced expense ratios for 200 fund and ETF shares amounting to aggregate savings of about $215 million.
That’s $215 million more in investors pockets …

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What if you Over-Contribute to a 401K?
July 13, 2015 | 9 Comments
What if you Over-Contribute to a 401K?

All good things come with limitations. And never is that more true than with retirement accounts.
For those lucky enough to have an employer-sponsored 401K (it is rarer that you think), you are probably aware that …

Successful Financial Goals Should Start with This
July 6, 2015 | 12 Comments
Successful Financial Goals Should Start with This

There are an endless variety of financial goals that you can set out to achieve.
Some can be very short term, i.e. “I’m not going to spend a dollar today.”
Some can take a little more planning …

The ACA (Obamacare) Survives. But is it Working?
June 30, 2015 | 17 Comments
The ACA (Obamacare) Survives. But is it Working?

With last Thursday’s ACA Supreme Court ruling confirming that Congress intended to include subsidies for those on the federal exchange in addition to state exchanges, the ACA has now survived an election, two Supreme Court …

457B Plans: the Mysterious Retirement Plan that could Boost your Savings
June 22, 2015 | 10 Comments
457B Plans: the Mysterious Retirement Plan that could Boost your Savings

In the wake of my wife getting a better job, I thought it would be wise to read through all of her new employer’s benefit plan details. Standard fare, when all of a sudden, something …

When you Retire Might Not be your Choice
June 15, 2015 | 18 Comments
When you Retire Might Not be your Choice

It wasn’t long ago that I blasted the traditional 10% savings plan advice given by financial gurus that recommends you work until traditional retirement age (65+), save 10% along the way, and then sip pina …

How to Appeal an IRS Penalty
June 10, 2015 | 6 Comments
How to Appeal an IRS Penalty

By all accounts, I’ve been a diligent taxpayer for the last decade plus – never a late fee, never a need for extension, never a penalty, never an audit (or reason to be audited).
So I …


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