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Plugging the Holes in Your Portfolio

There are three primary reasons why investors don't get the returns they expect from their portfolios. I'm not talking about when a person makes poor investing choices out of ignorance, or when a portfolio simply
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More Retirees Leaving 401(k) Money in Former Employer’s Plan. Is That a Good Idea?

A year after retiring, more than half (55%) of workers have left their 401(k) balance in their former employer’s plan — up from 45% four years ago. That’s according to Fidelity’s data pertaining to the plans it
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Roth IRA Conversions Can Be a Key Retirement-Income Planning Tool

By reducing your overall tax bill, shifting money from a traditional IRA to a Roth IRA could make a significant difference in the size of your retirement nest egg. You might be surprised at how much
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Contemplating the Death of the Stretch IRA

Over the past several weeks, we’ve used the Friday Roundup to highlight some important proposed legislative changes that, if approved, will have a significant impact on many people’s retirement plans. Most significantly,
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The Positives – and Perils – of “Back-Door” Roth IRA Contributions

If you’re a high-income earner, contributing to a Roth IRA may appear to be off-limits because of the government's income-level restrictions. But that's not true.
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June Sightings

Sighting: A mild recession, a not-so-mild bear market? Recession fears resurfaced at the end of 2018 as a combination of negative data surprises, communication blunders by the Fed, slowing growth overseas, and rising
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SMI on the Radio: Which Kind of IRA Is Best for You? (audio and transcript)

The Roth-vs.-traditional playing field is more level than it may seem. 
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Making Sense of Your IRA Options

An Individual Retirement Account is a great tool for building savings. But rules related to eligibility, account types, and "rollovers" can be confusing. We sort them all out for you.
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Roth IRAs and Roth 401(k)s: Similar, Yet Different

The Roth IRA and the Roth 401(k) sound similar, but there are significant differences in how Congress has structured these two types of retirement accounts.
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Traditional IRA vs. Roth: Which Maximizes Retirement Income?

Roth IRAs often are touted as being superior to traditional IRAs because Roth withdrawals are tax-free in retirement. But a closer look shows the Roth-vs.-traditional playing field is more level than it
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