This week’s picks for the best investing and personal finance articles from around the web — one day early this week since we'll have the September issue of the Sound Mind Investing newsletter for you on Friday.

Yes, you can be too conservative (Morningstar). Maintaining a healthy appreciation for all that could go wrong with your retirement plan, without taking caution too far.

What happens to your 401(k) when you die — like it or not (Fidelity). How the law can trump your beneficiary designation.

Tackling the tuition bill (Vanguard - PDF). A thorough look at some of the main options for paying for college.

When dementia threatens your money (Money). The importance of planning ahead for a very unpleasant possibility.

That is NOT the IRS calling you (Washington Post). Bottom line? If it’s really the IRS, they’ll send you a letter.

And from the blogosphere…

Aug. 24, 2015 Flash Crash Part of Wall St. History (ETF.com). A look at what’s changed since then to hopefully avoid something similar in the future.

Are index funds Communist? (Bloomberg View). Taking the active/passive debate to a whole new level.

What investors can learn from parents (Mclean). Good parents, that is.

Exit row strategies (The Retirement Café). Risky thinking can be hazardous to your wealth, especially in later life.

Is spending money on entertainment and leisure OK with God? (Eternal Perspective Ministries). A simple question—with a rich, nuanced answer.

We’d love to hear your responses to any of the above. To weigh in, just meet us in the comments section.