The Twisted Logic of IRA-Rollovers

By | 2018-03-16T03:15:50+00:00 October 27th, 2017|Categories: Single Point of View|Tags: , , , |

Rolling your 401(k) or 403(b) retirement balance into a broker's 'managed IRA' program is too often the wrong choice done for the wrong reasons.  'Financial Advisors' will justify the roll-over based on claims of broader choice, greater control and simplification at no extra cost.  More often than not, these arguments are based on incomplete disclosures of [...]

Big Planning Opportunity with Health Savings Accounts

By | 2018-03-16T01:39:37+00:00 May 1st, 2017|Categories: Single Point of View|Tags: , , , , |

In short: fund it and invest it, don't use it.   Potentially, the best way to use your Health Savings Account (HSA) is to maximize the funding of it, but, instead of using the funds year-by-year to cover your out-of-pocket health care expenses, invest the funds and allow them to grow for the future.  The reason [...]