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Tuesday, August 10, 2021

Previous blogs in this series pertain to general costs of investing. In this blog I am going to discuss Contingent Deferred Surrender Sales Charges (CDSC) common in multi-vendor 403(b)’s. Let me begin by explaining why such a...

Tuesday, August 10, 2021

In my blog, “Fees – part I, Mutual Fund Gross Expense Ratio” I illustrated the cost and performance difference between Green Index Fund and Blue Growth Fund. Here, I want to expand on why these costs may differ. When...

Tuesday, August 10, 2021

Ahhh… The “fee discussion.” Every investment has a cost to it, does the investor asking investment costs have a foundation to know what is an acceptable or unacceptable fee? Do they have a foundation for comparison?...

Tuesday, August 10, 2021

Cost of Investing – Part I Gross Expense Ratio Mutual Fund Gross Expense Ratio Ahhh… The “fee discussion.” Every investment has a cost to it, does the investor asking investment costs have a foundation to know...

Monday, November 16, 2020

While no two events are the same, history has an ability to put events into context and place a perspective on current situations. The Corona / Covid-19 crisis has brought uncertainty to our personal lives as well as stock market. The...

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Friday, November 6, 2020

Required Minimum Distribution (RMD) You’ve turned the magical age of 72 years old. Now what?! Let’s first address that you may be thinking, “Age 72? I thought it was age 70 ½?” This is a fair question!...

Friday, November 6, 2020

Maximizing the match, or maximizing the plan? How often do you hear “choose your words carefully” or “what you say matters?” This is phrase is true when referring to your retirement plan and taking advantage of...

Thursday, October 22, 2020

Tuesday, August 25, 2020

Explaining the Retirement Soup of 403(b), 457 & 401(k)Explaining the Retirement Soup of 403(b), 457 & 401(k) I have heard a 403(b) be referred to as a 504(b), a 4(b)3(K), or some alphabet-number soup more times than I can count. I...

Monday, August 24, 2020

A long time ago, in a classroom and school district far, far away…..A long time ago, in a classroom and school district far, far away….. If you worked for and retired from a school district in 1993 (as an example), you...

Friday, May 22, 2020

While no two events are the same, history has an ability to put events into context and place a perspective on current situations. The Corona / Covid-19 crisis has brought uncertainty to our personal lives as well as stock market. The...