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Is a Roth Conversion Right for You? Consider These 6 Factors

Is a Roth Conversion Right for You? Consider These 6 Factors

The Roth conversion is a popular year-end tax maneuver for DIY retirement planners. It works just as well at the start of the year, but more people are interested in December.  The move involves transferring retirement assets from a traditional IRA, 401(k), or other pre-tax account into a Roth IRA. Conversions incur a tax consequence…

Early Retirement is the Wrong Goal

Early Retirement is the Wrong Goal

A more in-depth talking head version of this article is available on YouTube (view below).  I chased early retirement for almost two decades. My early retirement goal made me a disciplined saver and investor, but I wholeheartedly believe early retirement is the wrong goal.  This is humbling to write. In this article, I’ll provide three…

M1 Finance Review 2024: A Top Broker for Long-Term Investors

M1 Finance Review 2024: A Top Broker for Long-Term Investors

I’ve been investing on the M1 Finance platform since 2017. I was attracted by the intuitive way investors can design their ideal portfolio first and then fund it over time.  This method differs from the traditional way of investing excess cash flow — buying individual holdings every month or so.  With M1 Finance, any time…

Managing Mom and Dad’s Money

Managing Mom and Dad’s Money

My Dad retired in 2002 with a 403(b) and lifelong teacher’s pension. Unsure of his retirement savings, some fellow retired teachers recommended a financial advisor who “specialized in retired teachers”. So he converted the 403(b) to an IRA, transferred his and my Mom’s IRAs to the advisor, and trusted him to manage their money for…


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