Guidance

RESOURCES TO HELP SHAPE YOUR FINANCIAL FUTURE

News & Views

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

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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In-Retirement Withdrawal Rates

August 25, 2017 -

The withdrawal rate from a portfolio can make or break a retirement plan.


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Planning Ahead for Retirement Healthcare Costs

August 24, 2017 -

Carefully evaluate planning strategies that can help mitigate retirement healthcare costs


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10 Ways to Curb Taxes in Retirement

August 22, 2017 -

Tips on withdrawal sequencing, maximizing your deductions, and more


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How to Bridge a Retirement Shortfall

August 3, 2017 -

A combination of incremental, not revolutionary, changes can help bridge the gap.


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Key Policy Issues to Watch in the Next Decade

August 3, 2017 -

Americans need better access to retirement plans, help with the drawdown phase.


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Point of View

August 3, 2017 -

Analysis of Q2 2017


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Should Frontier Markets Have a Role in Your Portfolio?

June 28, 2017 -

They can be illiquid and higher risk, but they can provide diversification and additional growth opportunities, too.


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Relocating? Consider Long-Term Care Costs

June 28, 2017 -

Cost and quality of care can vary dramatically from region to region.


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Working Longer: Good Aspiration, But Not a Plan

May 30, 2017 -

Many Americans expect to close retirement plan gaps by working longer, but the strategy comes with its own risks.


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