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Library » Is a Roth IRA Conversion Right for You?

March 11, 2014 | Planning for Retirement

Introduction Traditional and Roth IRAs are two powerful tax-advantaged savings vehicles. While Roth IRAs were first established in 1997, historically low tax rates during the past decade and the ability of investors of all income levels to convert Traditional IRAs to Roth IRAs (since 2010) have …

Library » Retirement Portfolio Withdrawal Requirements

February 28, 2014 | Planning for Retirement

Introduction It is well known that tax-advantaged savings vehicles can provide benefits to investors over the long-term when compared to portfolios that do not provide tax advantages. However, investors are often unsure to what magnitude their “tax-advantaged” or “tax-deferred” accounts are …

Library » Should I Set Up a Revocable Trust Structure as the Primary Distribution Method of My Estate?

January 09, 2014 | Estate Planning

When having an estate plan prepared, individuals generally either have a Will prepared, which directs the distribution of their estate after their death, or they have a Revocable Trust prepared, which is combined with a simple Pour-Over Will that directs everything in the estate into the …

Library » The Role of Behavioral Finance in the Development and Evolution of Target Date Funds – How To Maximize Participant Outcomes

January 02, 2014 | Retirement Plans

Introduction In many ways the foundation for target date funds on participant choice menus rests in the principles of behavioral finance. It was not until plan sponsors and regulators began to understand that behavioral finance concepts influenced participant behavior that auto enrollment, …

Library » An Introduction to Long-Term Care Insurance

November 18, 2013 | Estate Planning

Long-Term Care As people approach retirement, their insurance needs often change. Whereas earlier they may have focused on life and disability insurance to replace wage income, the need for those types of insurance can diminish as their assets grow. Asset protection may become more important, …


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