Guidance

RESOURCES TO HELP SHAPE YOUR FINANCIAL FUTURE

News & Views

Insights and opinions on the markets, the economy, and what it means for investors.

5 Retirement Asset Allocation Pitfalls to Avoid

February 22, 2018 -

No other factor will have a bigger impact on your portfolio's success or failure than your asset-allocation plan.


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How Retirees Are Taxed

February 22, 2018 -

Recent tax reform has put a focus on differences in tax policy among high- and low-tax states.


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Market Commentary: Good Morning, Mr. Powell

February 6, 2018 -

Our take on the recent sell-off


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How Should Younger Investors Think About Social Security?

February 2, 2018 -

We outline some scenarios for Social Security that younger investors can use to determine their own savings rates.


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How to Create a Succession Plan for Your Portfolio

February 2, 2018 -

Follow these key steps for a smooth transition.


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Rebalancing: The Swiss Army Knife in Your Retirement Tool Kit

January 29, 2018 -

Scaling back appreciated equity positions can do more for you than reduce risk.


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Key Provisions of 2017 Tax Reform

January 24, 2018 -

Final provisions of the 2017 tax reform bill and their impact on individual investors and business owners.


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Point of View

January 22, 2018 -

Analysis of Q4 2017


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7 Steps to Estimating Your In-Retirement Cash-Flow Needs

January 22, 2018 -

Rules of thumb may be too high for affluent retirees with high savings rates, but healthcare costs are a major swing factor.


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An Investing History Lesson

December 4, 2017 -

The key going forward is to learn from past behaviors and avoid repeating previous mistakes.


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Good Apples Don't Just Fall From Trees

December 4, 2017 -

We remain committed to a long-term perspective.


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What Happens to Your HSA in Retirement?

November 29, 2017 -

HSA-owning retirees need to think about asset allocation, sequence of withdrawals, and beneficiary designations.


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Should You Make IRA Contributions After 65?

November 29, 2017 -

The longer the holding period, the greater the benefits of making these contributions.


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A Year-End Checklist for Retirees

November 29, 2017 -

Required minimum distributions, mutual fund capital gains distributions, charitable giving, and more.


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Don’t Neglect the Softer Side of Your Estate Plan

October 24, 2017 -

Document and share your wishes for end-of-life care, the care of your pets, the disposition of your tangible assets, and more.


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Calibrate Your Target Savings Rate

October 24, 2017 -

Savings rate rules of thumb are better than nothing, but smart investors customize their own savings targets.


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Point of View

October 12, 2017 -

Analysis of Q3 2017


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An Estate Planning Checklist

September 25, 2017 -

‘Estate planning’ evokes complexity and high costs. What you need to know to get it done.


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These Charitable Investment Strategies Deliver a ‘Three-fer’

September 25, 2017 -

These three maneuvers will tend to deliver a higher tax benefit than writing a check and deducting it, and may even improve your portfolio.


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When Is the Right Time to Take RMDs?

August 28, 2017 -

Where you go for required minimum distributions will usually have a bigger impact than when you go.


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