Roth 401ks can be a useful tool to create a pool of tax-free withdrawals.
Uses after-tax dollars; enjoy tax-free withdrawals.
No required minimum distributions if rolled over into a Roth IRA before age 70½.
Increasing or removing altogether the age required for RMDs
Allowing smaller businesses to join together to offer retirement plans
Rebalancing your portfolio forces you to sell high and buy low
The basics on when and how to rebalance.
Retirees today face on the greatest challenges financially compared to nearly any generation.
Longevity risk is going to be something we hear about more and more in the coming decade as people live longer.
We highlight how we structure our approach, which is not risk-free but rather a way to deal with the current environment.
Sequence of Return Risk is a major obstacle to a retiree realizing a fully funded retirement.
Should a retiree go all cash and short-term bonds losing out on long-term growth as the length of retirement increases? Or stay invested in equities and risk a large downturn?
We attempt to mitigate risk, while maintaining both high yield and long-term growth using higher-quality high-yield CEFs plus a wide range of peripheral investments for growth.