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Traditional vs. Roth: How Fuzzy Math Works In Your Favor

We often use this space to document the many cognitive biases that pull people off track with their investments. However, there’s one such bias—or perhaps it’s just blissful ignorance—that seems to be working in some
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Ready Cash: As Home Prices Rise, Cash-Out Re-fis Are on the Rise Too

Many American homeowners are re-embracing a once-popular method of generating cash: refinancing their home loans and getting cash out in the process. Five years ago, in the continuing wake of the financial crisis, only 12
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Upgrading In Your 401(k) Plan When Your Options Are Limited — A Guidestone Case Study

What’s an SMI member with a bad 401(k) plan to do? In this case, “bad,” means a plan with limited investment options. SMI’s Personal Portfolio Tracker, available to both Basic and Premium members, was designed with that
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It May Be Time To Review Your Estate-Planning Documents

As a financial planner, one of my responsibilities is to keep up with legislative changes and their effects on clients. Estate planning is an area where change is so frequent—and so confusing—it’s a challenge to stay
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SMI on the Radio – Investing with the Long-Term in Mind

One key to becoming a successful investor is to "keep your eyes up and [looking] over the horizon" — as SMI Executive Editor Mark Biller explains on today's MoneyWise radio program. Only by maintaining a long-term look
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Are You Saving to Live or Living to Save?

Frugality is generally a good thing, but even good things can be taken too far. And there have been a number of studies recently indicating that some older people may be having a tough time spending the money they
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‘Auto-Escalation’ Helps Retirement Account Balances Hit New Records

Fidelity Investments reported good news heading into the weekend: balances in Fidelity retirement accounts climbed to record levels as of March 31. The company's quarterly analysis found that the average 401(k) balance hit
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A SMarT Way To Boost Your Saving and Investing

Today’s American workers are being forced to shoulder a much higher level of responsibility regarding their retirement finances than past generations. With Social Security projections showing significant shortfalls
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The Great Retirement Expectations Gap Widens

The latest update from the longest-running retirement study paints a picture of decreasing overall retirement confidence among American workers and growing gaps between what they expect their retirement to look like and
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The Art of Getting Older — Where Will You Live?

There are countless important decisions to make as you get older. Many of them have a financial focus—how much to withdraw from the nest egg you’ve built, when to take Social Security, how to pay for healthcare and the
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