Priority Pyramid for Tax-Savings Vehicles


Most know they need to save money. Whether it is for an emergency, retirement, or some other goal, saving is essential. One of the big decisions in the planning process is what vehicles you should save in. Should you use a traditional 401(k)/IRA or Roth 401(k)? Should you use a 529 plan? What about an HSA? How much should be going in taxable accounts? What other types of accounts should be used?

Please Don’t Forget to Rebalance Your Portfolio


Please Don't Forget to Rebalance Your Portfolio The act of rebalancing your portfolio is likely the most important aspect of managing your wealth. At its core, rebalancing functions to minimize risk. However, the benefits don’t stop there. Rebalancing your portfolio is the act of selling assets that have increased in value and selling the assets [...]

Should You Spend Your HSA Money?


If your health insurance plan qualifies you for a Health Savings Account (HSA), you should have one. In fact, in certain instances, it might make sense to switch to an HSA eligible health insurance plan in order to utilize the benefits of the HSA. When most people use an HSA, they contribute to the HSA & use that money to pay for their medical expenses. While that is certainly advantageous, I want you to consider using the HSA a bit differently if your situation will allow.

Think Twice About Those Target-Date Funds


You've seen them in your 401(k) options. You might even be invested in one now but do you know what they are & how they work? A target-date fund is an investment fund that "targets" a certain year for retirement. For example, your retirement account may have a XYZ Target Retirement Fund 2035, 2040, 2045, [...]

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