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One of the biggest obstacles to effective retirement planning is the number of complicated decisions that are made only once or twice in a lifetime. A lot of research is required to make the right decisions, and the wrong decision can cost thousands of dollars in taxes or more in reduced benefits during retirement. Yet, […]
Many aspects of retirement planning changed over the last decade. One piece of conventional wisdom that has endured is to maximize contributions to IRAs and 401(k) plans. I’ve questioned that in the past, and it is time again to question this advice. IRAs and 401(k)s are tax shelters. Changes in the tax law alter the […]