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Nationwide’s Not On Your Side…

Monday, October 28th, 2013

A friend of mine gave me her 401(k) information to look at. Her company changed 401(k) providers and went with Nationwide. I wasn’t fond of their previous 401(k) provider (I forget the name now), so I was happy to see a change. I flipped through the information packet and landed on the page listing their […]

Administration to Go After “Wealthy” IRAs?

Friday, April 5th, 2013

Where does it stop? Obama budget to take aim at wealthy IRAs From the article: Under the plan, a taxpayer’s tax-preferred retirement account, like an IRA, could not finance more than $205,000 per year of retirement – or right around $3 million this year. I’ll look more into this later.

How Long Will It Take to Reach a $1,000,000 Savings Goal?

Wednesday, March 10th, 2010

I’m in the process of reading John Bledsoe’s The Gospel of Roth: The Good News About Roth IRA Conversions and How They Can Make You Money *. So far it’s a great read. As you can probably imagine, Bledsoe is sold on the Roth IRA. Reading his book, I couldn’t help but daydream about what […]

Should You Convert to a Roth IRA in 2010?

Wednesday, December 16th, 2009

I listened in on a Roth IRA Converstion conference call with a Charles Schwab representative this morning. offers a pretty nice resource for Roth IRAs. In 15 days an opportunity will become available that will allow people at all income levels to convert a non-deductible IRA to a Roth IRA. Previously, that option was […]

You Have ONE Day to Recharacterize Your IRA…

Wednesday, October 14th, 2009

My Charles Schwab friend sent me the following email (adjusted slightly because I received it two days ago). JLP- Greetings! Two countdowns, one problem: Nobody knows about them. 1. In 73 days, the 2010 Roth conversion opportunity will go into effect, allowing people earning over $100,000 to convert to a Roth IRA and enjoy tax […]

Avoid Cashing Out Your 401(k)

Sunday, July 13th, 2008

Check out this quote from a recent Wall Street Journal article by Andrea Coombes: …about 40% of workers in their 20s and 30s said they had cashed out their 401(k)s or 403(b)s when they switched jobs, according to an online survey of about 1,200 people conducted in January for Fidelity Investments by CMI, a research […]

What Do You Think of This Reader’s Plan?

Tuesday, May 13th, 2008

Here’s an email I received this morning from a reader: Silly me…..I have been reading your column and never thought to ask you a question!! I love reading your blog. I have been agonizing over what to do. Here is the situation…..I am 50 years old, take home $68,000 a year (total of 2 jobs). […]

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