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IRAs Beyond the Traditional and Roth

This popular retirement savings vehicle comes in several varieties. What don’t you know? Many Americans know about Roth and traditional IRAs, but there are other types of Individual Retirement Arrangements. Here’s a quick look at all the different types of IRAs: Traditional IRAs (occasionally called deductible IRAs) are the “original” IRAs. In most cases, contributions…

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The Magic of Compounding

This is the factor that could really build wealth for young adults. Most wealth is built gradually. Sometimes it is built without any great financial sacrifice. You can cite one factor that promotes wealth building perhaps more than any other – the power of compounding. If you are decades away from retirement, you have a…

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Using Your IRA to Buy Real Estate

Is this unorthodox investment idea underappreciated?   You can invest your IRA assets in different ways. Should you invest a portion of those assets in real estate?    At first thought, putting real estate into an IRA may seem like an off-the-wall idea. It is one you might want to consider, but you must be…

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One Couple, Two Different Retirements?

After many years together, some retired spouses may find their daily routines far apart. When you see online ads or TV commercials about retirement planning, do they ever show baby boomer couples arguing? No. After all, retirement planning is about the pursuit of a happy outcome – a fun and emotionally rewarding “second act” that…

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Markets to Crash November 9?

We may see some volatility, but equilibrium could quickly be restored. crash What will happen on Wall Street after November 8? We can shrug and say, “who knows,” and that simple answer may be as good as any other. Trying to predict which way the market will go is difficult, even when it comes to a…

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Investing With a Plan?

retirement

Saving is a great start, but planning to reach your financial goals is even better. Are you saving for retirement? Great. Are you planning for retirement? That is even better. Planning for your retirement and other long-range financial goals is an essential step – one that could make achieving those goals easier. Saving without investing…

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How Financial Professionals Are Paid

A look at an ongoing discussion that impacts retirement savers & investors.   Fee Historically, financial services professionals have been paid in the same way. Sales or trading commissions linked to investment transactions were the norm. Brokers sold products and made trades to earn a living. Retirement planning or wealth management strategies were not emphasized. Fee…

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Holding Real Estate in an IRA

Is this unorthodox investment idea under-appreciated?   You can invest your IRA assets in different ways. Should you invest a portion of those assets in real estate? At first thought, putting real estate into an IRA may seem like an off-the-wall idea. It is one you might want to consider, but you must be aware of…

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2016 Retirement Plan Contribution Limits

Tame yearly inflation means very little change. Over the past 12 months, consumer prices have increased very little. The latest Consumer Price Index (September) shows 0.0% yearly inflation and only 1.9% core yearly inflation. That means no cost-of-living adjustment for Social Security, and very few IRS adjustments to retirement plan contribution limits.1 Roth IRA &…

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