Low-Cost Index Funds or Managed Mutual Funds?
Should you be using low-cost index funds or managed mutual funds in your portfolio? There’s a new study by the Journal of Financial Planning and the FPA Research and Practice Institute™ showing that more and more advisors continue to use exchange-traded funds. According to the survey, 87% of advisors say they recommend or use exchange-traded […]
Creating Increasing Income in a Bond Bear Market
How can you create increasing income in retirement in a bond bear market? How critical is it to have a strategy to address that? You know, interest rates are rising. We all see it in the short term and the more medium- and longer-term rates. Car loans are more expensive, mortgages are more expensive. The […]
Is Your Advisor Acting in Your Best Interest?
How can you be confident that your advisor is acting in your best interest? On this week’s Dollars and Sense, we discuss the difference between the fiduciary standard and the suitability rule, and what that means for investors. Regardless of the name, we think the best way to really get a sense for whether your advisor […]
Are You Considering Roth IRA Conversions?
How should you be considering Roth IRA conversions as part of your retirement tax planning? The 2017 new tax law created generally lower income taxes for 2018 through 2025, presenting an enticing opportunity to convert traditional retirement savings to Roth accounts. Once you retire, your taxable income is likely to decrease, and in the sweet […]