Wealth Management and Financial Advisory

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	Handling Market Volatility - May 2013 Conventional wisdom says that what goes up must come down. But even if you view market volatility as a normal occurrence, it can be tough to handle when it's [...] Read More
	Four Retirement Saving Myths - May 2013 No matter how many years you are from retirement, it is essential to have some kind of game plan in place for financing it. With today's longer life expectancies, retirement can last 25 years or more, and counting on Social Security or [...] Read More
	Income-Based Repayment (IBR) for Federal Student Loans - May 2013 The federal government's income-based repayment program (IBR) for student loans allows qualified borrowers to tie their monthly federal student loan payments to their discretionary income. A new version of the IBR program [...] Read More
	Financial Tips for Obtaining a Mortgage Loan - April 2013 In January 2013, the Consumer Financial Protection Bureau released a new mortgage regulation, which sets forth stricter underwriting requirements for mortgage lenders. The regulation requires lenders to [...] Read More
	Understanding the New Medicare Tax on Unearned Income - April 2013 Health-care reform legislation enacted in 2010 included a new 3.8% Medicare tax on the unearned income of certain high-income individuals. The new tax [...] Read More
	Estate Tax after the Fiscal Cliff - April 2013 After threatening to go over the fiscal cliff, the gift tax, estate tax, and generation-skipping transfer (GST) tax have come in for a soft landing. The American Taxpayer Relief Act of 2012 [...] Read More
	April 15th Is Upon Us: Last Minute Questions and Answers About Your Tax Return - April 2013 I don't think I'll be able to file my tax return by April 15. Is there any way to file my return at a later date? [...] Read More
	Cost-of-Living Adjustments: What They Are and Why They Matter - March 2013 The rising costs of food, gas, electricity and health care can strain anyone's budget. The situation is even worse if your living expenses increase while your income stays the same, because your purchasing [...] Read More
	Looking Backward and Forward on Entitlement Programs - March 2013 Last year's presidential election, along with the more recent fiscal cliff and debt ceiling negotiations, have put the spotlight on our nation's tax policy, deficit and entitlement programs. For some, [...] Read More
	Why a GRAT can be GREAT - March 2013 If you have property that is rapidly appreciating or generating high earnings, and you are ready to pass it down to your children or other heirs but want to continue receiving income from the property for a period [...] Read More
	Understanding "Sequestration" - March 2013 If you like political drama, you are in luck. It seems like just yesterday the news was filled with references to the fiscal cliff. Now, coming to theaters everywhere, is "sequestration." Look for more political [...] Read More
	Protecting Yourself: Questions about Travel Insurance and Identity Theft - February 2013 I Am Going on a Cruise — Do I Need to Purchase Travel Insurance? — It depends. The decision to purchase travel insurance really comes down to whether the financial benefit outweighs the cost of the policy premium. [...] Read More
	Questions and Answers about Social Security - February 2013 Whether you are close to retirement or years away from receiving Social Security benefits, you may not know much about the intricacies of this important program. Here are some questions and answers that [...] Read More
	Estate Planning Strategies in a Low Interest Rate Environment - February 2013 The federal government requires the use of certain interest rates to value various items used in estate planning, such as an income, annuity or remainder interest in a trust. The government also has interest rates [...] Read More
	Federal Income Tax Filing Season Is Here - February 2013 The due date for 2012 federal income tax returns is April 15, 2013. Whether you are preparing your own taxes or paying someone else to do them for you, you will want to start pulling things together sooner [...] Read More
	Is Winter Storm Damage Covered by My Homeowners’ Insurance Policy? - January 2013 Whether or not winter storm damage is covered by your homeowners insurance policy will depend on the type of policy you have and the type of damage that occurs. Most standard homeowners insurance policies [...] Read More
	Real-life Financial Tips for Different Generations - January 2013 Do you remember The Game of Life®? In Milton Bradley's popular board game, players progress through life stages making decisions that affect their prosperity. Like those players, today's generations face financial [...] Read More
	Compounding Can Add Fuel to Your Portfolio - January 2013 If you enter the terms "Albert Einstein" and "compounding" into an Internet search engine, you'll discover a wide variety of quotes attributed to the great inventor. Some results say Einstein called compounding the [...] Read More
	High-Yield Bonds: The Pros and Cons - January 2013 Interest rates at historically low levels are great for those looking to refinance a mortgage or borrow money to start a business. However, people who rely on their investments for income have sought out a variety [...] Read More
	Municipal Bond Considerations - December 2012 Should I be worried about recent municipal bankruptcies? — Municipal bonds have received a lot of attention recently, in part because their tax advantages could become more valuable in 2013. However, they also have come [...] Read More
	Life Insurance Tax Traps for the Unwary - December 2012 Life insurance has been recognized as a useful way to provide for your heirs and loved ones when you die. Lawmakers have long recognized the social significance of life insurance as a source of funds for widowed [...] Read More
	How to Give Wisely and Well - December 2012 Giving to charity has never been easier. You can donate the old-fashioned way—by mail—but you can also donate online, by text or through social networking sites. According to the National Center for Charitable Statistics [...] Read More
	The Economics of Borrowing from Your 401(k) - December 2012 When times are tough, that pool of dollars sitting in your 401(k) plan account may start to look attractive. But before you decide to take a plan loan, be sure you understand the financial impact. It is not as simple [...] Read More
	Ways Grandparents Can Help with College Costs - November 2012 College is expensive. For some fortunate students, grandparents are stepping in to help. This trend is expected to accelerate as baby boomer grandparents start gifting what could be trillions of dollars over [...] Read More
	On the Precipice: the "Fiscal Cliff" - November 2012 The phrase "fiscal cliff" has been used to describe the unique combination of financial realities scheduled to take effect in 2013: expiring tax breaks; the imposition of new taxes on high-income individuals; and automatic [...] Read More
	Four Retirement Planning Mistakes to Avoid - October 2012 We all recognize the importance of planning and saving for retirement, but too many of us fall victim to one or more common mistakes. Here are four easily avoidable mistakes that could prevent you from reaching your retirement goals. [...] Read More
	Spousal Lifetime Access Trusts - October 2012 So, you are thinking about making a large gift that is sheltered from gift tax by the applicable exclusion amount. However, you have concerns about losing access to the gifted property or its income; you might not [...] Read More
	Medicare Open Enrollment Period Begins October 15 - October 2012 What is the Medicare open enrollment period? — The Medicare open enrollment period is the time during which people with Medicare can make new choices and pick plans that work best for them. Each year [...] Read More
	Year-End Investment Planning and the Fiscal Cliffhanger - October 2012 Investment planning at the end of 2012 revisits issues that have complicated the planning process for the last two years — tax cut extensions and spending cuts designed to reduce the U.S. budget deficit. Uncertainty [...] Read More
	Life Insurance Considerations - September 2012 Do I have the right type of life insurance? — Your need for life insurance changes as your life changes. You may need less life insurance when you're younger, but as you take on more responsibilities and as your family grows [...] Read More
	Withdrawals from Traditional IRAs - September 2012 In these challenging economic times, you may be considering taking a withdrawal from your traditional IRA. While you're allowed to withdraw funds from your IRAs at any time, for any reason, the question is, should you? [...] Read More
	Should You Make Large Gifts in 2012? - September 2012 Currently, the exemptions for federal gift tax, estate tax, and generation-skipping transfer (GST) tax are at historic highs, and the gift, estate, and GST tax rates are at historic lows. But, in 2013, the exemptions are scheduled to [...] Read More
	Breaking Down the Taxpaying Population: Where Do You Fit In? - September 2012 Every quarter, the Statistics of Income Division of the Internal Revenue Service (IRS) publishes financial statistics obtained from tax and information returns that have been filed with the federal government. Recent [...] Read More
	The "Fiscal Cliff" - August 2012 As mentioned in our article earlier this month entitled Speculation on the Future of the Federal Estate Tax, this week’s article discusses the outcome of certain tax legislation enacted by Congress at the end of their regular [...] Read More
	Stock Market Metrics: Playing the Numbers - August 2012 There are no infallible guides to stock market movements. However, that does not stop investors from using various measurements to try to divine the current and future direction of a stock's price or the equity [...] Read More
	New 401(k) Plan Disclosure Rules - August 2012 You may have heard about new disclosure rules that will soon apply to 401(k) plans. Before describing what is ahead, however, a look back may be helpful. While we will refer to 401(k) plans in this article, the new [...] Read More
	Speculating on the Future of the Federal Estate Tax - August 2012 What is the future of the federal estate tax? All we know is that no one knows for sure; it is all speculation. So, let's take a look at what could happen. There are five possibilities: (1) Congress could extend current tax law [...] Read More
	Social Security: Your Questions Answered - July 2012 Is it true that Social Security beneficiaries are being required to receive their payments electronically? That is correct. On March 1, 2013, the U.S. Treasury Department will stop mailing paper benefit checks. After that [...] Read More
	The Boomerang Kids - July 2012 It has been called the new retirement wild card. However, it's not inflation, health-care costs, or taxes, though those things certainly matter. What is it that is causing so much uncertainty? Its boomerang kids and the money [...] Read More
	Mid-Year Reality Check: Covering Your Bases in Uncertain Times - July 2012 Imagine playing a complicated game, but the rules of the game are changing, and the new rules have yet to be announced. That is what income tax planning is like this year. In fact, if there was ever a year to spend [...] Read More
	Europe and the Summer of Uncertainty - July 2012 It is no secret that what is happening in Europe is driving financial markets worldwide. Even if you have a sound asset allocation strategy and a well-diversified portfolio, it is hard to ignore the fact that this summer [...] Read More
	Federal Protection for Retirement Plan Participants - June 2012 What happens to my retirement benefits if my employer goes out of business? — If your employer goes out of business, any retirement plan your employer sponsored will be terminated. If the plan is a 401(k) or other [...] Read More
	Of Taxes Past, Present and Future - June 2012 With the 2011 tax filing season behind us, much attention is being paid to the expiring "Bush tax cuts" — the reduced federal income tax rates, and benefits, that will expire at the end of 2012 unless additional [...] Read More
	Retirement Rules of Thumb - June 2012 Because retirement rules of thumb are guidelines designed for the average situation, they will tend to be "wrong" for a particular retiree as often as they are "right." However, rules of thumb are usually based on [...] Read More
	Market-Moving Indicators for Monitoring Europe - June 2012 If you have struggled to make sense of the ongoing European debt debacle, you are not alone. It is difficult even to keep track of all the pieces of this financial Rube Goldberg puzzle, let alone understand how they can [...] Read More
	Liability Insurance Considerations - May 2012 What is personal liability insurance and do I have it? — Personal liability insurance protects your assets if you injure another person or damage someone else's property. It is also known as third-party insurance because [...] Read More
	Pay Down Debt or Save and Invest? - May 2012 There are certainly a variety of strategies for paying off debt, many of which can reduce how long it will take to pay off the debt and the total interest paid. But should you pay off the debt? Or should you save and invest? [...] Read More
	Why Women Need Social Security - May 2012 Did you know that the first person ever to receive ongoing Social Security benefits was a woman? Ever since Ida May Fuller received the first retirement benefit check in 1940, women have been counting on Social Security to provide [...] Read More
	Hidden Taxes: What Is Your True Cost? - May 2012 We are pretty well aware of the taxes we must pay as U.S. citizens: income taxes, payroll taxes, sales taxes, property taxes, and gift and estate taxes, to name a few. We can easily see these taxes on our pay stubs [...] Read More
	Monte Carlo Analysis - April 2012 When you sit down with a financial professional to update your retirement plan, you are likely to encounter a Monte Carlo simulation, a financial forecasting method that has become popular in the last few years. [...] Read More
	Going Paperless: In Real Estate & At Home - April 2012 What is an e-closing? An "e-closing" refers to a real estate closing process where the parties to the transaction (e.g., sellers, buyers, brokers, and attorneys) can access closing documents online so they can be reviewed [...] Read More
	Asset Protection Strategies Beyond Insurance - April 2012 You have worked hard to accumulate your assets and property; that's why it's so important to take measures to protect your wealth. Often, the simplest way to protect assets is by shifting the risk to an insurance company. [...] Read More
	Non-Equity Alternatives to Rock-Bottom Yields - April 2012 As interest rates have fallen to record lows and stayed there in recent years, the yield on your savings may be stuck in neutral. If you have focused on capital preservation and kept your assets in U.S. Treasuries, a money market [...] Read More
	Business Owner Succession Planning - March 2012 Every successful business owner must eventually face the question: What will happen to my business when I become disabled, retire, or die? Sooner or later, you will generally need to identify someone [...] Read More
	Annuities: Your Questions Answered - March 2012 Can I provide annuity payments to my heirs after I die? You may be able to provide income payments to your heirs for the rest of their lives through the use of a stretch annuity. A stretch annuity, also known as a legacy annuity [...] Read More
	The Investment Tax Landscape: Countdown to 2013 - March 2012 In December 2010, Congress extended the so-called Bush-era tax cuts by passing the Tax Relief, Unemployment Insurance Reauthorization, and Job Creation Act of 2010. However, for investors, the legislation may represent [...] Read More
	Election Year Tax Talk: Deciphering the Terminology - March 2012 This year's election chatter is sure to include a healthy dose of tax talk. To keep up, here are five terms you should know. The "Bush tax cuts": A number of major tax changes were enacted in 2001 and 2003, including lower federal [...] Read More
	Mortgage Refinancing Considerations - February 2012 With mortgage rates so low, does it make sense to refinance? Historically low mortgage interest rates have prompted many homeowners to think seriously about refinancing [...] Read More
	2011 Tax Season Considerations - February 2012 You do not want to pay more in taxes than you have to. That means taking advantage of every deduction and credit that you are entitled to, and recognizing [...] Read More
	Retirement Plan and IRA Limits for 2012 - February 2012 Many retirement plan and IRA limits are indexed for inflation each year. Some of the key numbers for 2012 are discussed below. [...] Read More
	Keeping Market Volatility in Perspective - February 2012 When markets are volatile, sticking to a long-term investing strategy can be a challenge. Though past performance is no guarantee of future results, it might help you keep [...] Read More
	Investing: Stop Limits, Market Orders and Stop-Loss Orders - January 2012 Is a stop limit the same as a stop order? A stop limit is typically used when you are trading during a volatile market and want to target a specific price as closely as possible. When placing a market order, the price you pay [...] Read More
	Making Financial Resolutions? Look Back at Last Year - January 2012 Each New Year brings the chance for a fresh start, and the opportunity to improve your financial picture. As you make financial resolutions for 2012, looking back at what happened last year can help you make some positive changes this year. [...] Read More
	Financial Planning - Helping You See the Big Picture - January 2012 Do you picture yourself owning a new home, starting a business or retiring comfortably? These are a few of the financial goals that may be important to you, and each comes with a price tag attached. That is where financial planning comes in. [...] Read More
	Q & A on Filing the Federal Financial Aid Application - January 2012 The federal government's Free Application for Federal Student Aid, the FAFSA, should be filed as soon after January 1 as possible in the year your child will be attending college. The reason is that some federal aid programs operate [...] Read More
	What You Need to Know about Cost Basis Reporting Requirements - December 2011 If you think you do not need to track cost basis on your own because brokers must now report to both you and the IRS the cost basis for any stock sold, be aware of some potential pitfalls. Read More
	Gift Tax Strategies - December 2011 The current large gift tax exclusion amount, low gift tax rates, depressed property values and low interest rates create a historically favorable environment for making certain gifts. Read More
	How Much Do You Know about Social Security? - December 2011 Social Security is in the news more and more, as the first wave of baby boomers retire and economic pressures on the program increase. More than 90% of Americans are covered by Social Security, but how much do you know about this important program? Read More
	Qualified Charitable Distributions Qualify for RMDs - December 2011 If you are an IRA owner who must take a required minimum distribution (RMD) in 2011, you can avoid some or all of the resulting income tax liability by donating a portion of it to charity. [...] Read More
	Federal Financial Aid for College - November 2011 The federal methodology for financial aid examines your family's income, assets and household information to calculate your expected family contribution, or EFC. Your EFC represents the amount of money the government deems you can afford to put toward college costs each year before any financial aid is forthcoming. [...] Read More
	Can You Get to a Million Dollars? - November 2011 Often in life, you have investment goals that you hope to reach. Say, for example, you have determined that you would like to have $1 million in your investment portfolio by the time you retire. But will you be able to get to a million dollars? [...] Read More
	Long-Term Care Planning Is Important for Women - November 2011 The prospect of needing long-term care is an important, yet sometimes overlooked, part of financial and retirement planning. Yet it may be especially vital for women to consider as they often face the need for long-term care as both a caregiver and recipient. Read More
	Five Year-End Tax Planning Considerations - November 2011 Legislation passed in December of 2010 extended lower tax rates, deductions and other expiring provisions for an additional one to two years. As a result, you can consider 2011 year-end tax planning moves with a relative degree of certainty. [...] Read More
	Ask the Experts: Taxes during Retirement - October 2011 I'm retiring to a state with no income tax. Can my former state tax my retirement benefits? The short answer is "no." In the past, several states enacted "source tax" laws that attempted to tax retirement benefits if they were earned in that state, regardless of where a taxpayer resided when the benefits were ultimately paid. [...] Read More
	Factoring Health-Care Costs into Retirement Planning - October 2011 There are many factors to consider in determining how much you will need to save in order to enjoy a comfortable and financially secure retirement. One often overlooked retirement expense is the cost of health care. You may presume that when you reach age 65, Medicare will cover most health-care costs. [...] Read More
	Making Benefit Decisions during Open Enrollment - October 2011 The end of the year is traditionally open enrollment season, your annual opportunity to review your employer-provided benefit options and make elections for the upcoming plan year. Even if you are busy, take a look at the enrollment packets or information you receive from your employer. You generally only have a few weeks to make important decisions about your benefits, and with health-care costs rising, it is more important than ever to choose your benefits wisely. [...] Read More
	Year-End Investment Planning: The Clock Is Ticking - October 2011 Investment planning at the end of 2010 was complicated by uncertainty over whether existing tax rates would be extended. This year, it is the congressional "supercommittee" charged with tackling the country's deficit financing problem that is the source of uncertainty. Even though you may not be sure how the committee's work might ultimately affect you, here are some factors to keep in mind as you plot your year-end strategy. [...] Read More
	Who Will Inherit Your Online Accounts and “Cyber” Assets? - September 2011 These days, using a personal computer is just a normal part of life. You may have email or online accounts that require a password, or you may have pictures, videos or documents stored online or on your hard drive. You may even maintain a blog or website. Like your physical assets, these "digital" or "cyber" assets can have both sentimental and economic value. [...] Read More
	Could You Handle a Financial Windfall? - September 2011 Receiving a financial windfall is often a life-changing event. It's a relatively common one, too. You might never win the lottery, but the odds are that at some point you'll receive a significant amount of money, perhaps from an inheritance, bonus, insurance settlement or the sale of a home or business. [...] Read More
	Do You Need Flood or Earthquake Insurance? - September 2011 We would like to believe that disasters caused by floods or earthquakes are rare. But as we have seen with the recent natural disasters in the United States and abroad, the impact can be financially devastating. [...] Read More
	Life without Life Insurance - September 2011 What if you were no longer here to provide for your family and loved ones? What if you couldn't watch your children grow, graduate from college, and begin their own families? [...] Read More
	Two Common State Tax Questions Answered - September 2011 There are currently five states that do not have a sales tax: Alaska, Delaware, Montana, New Hampshire and Oregon. If you live in one of the other 45 states, or in the District of Columbia, you are probably [...] Read More
	Medicare and Medicaid: Do You Know the Difference? - August 2011 Medicare and Medicaid were signed into law 36 years ago to protect older and poorer Americans against the high cost of health care. [...] Read More
	Market Volatility and Your Emotions - August 2011 When dealing with a volatile market, sometimes the most difficult challenge is to manage your emotions. If you decide you need to re-examine your game plan, it should be done with as much care as you put into developing that plan in the first place. Certified Financial Planners (CFP®s) may be able to help you decide if any of the following may be appropriate for you. Read More
	Talking to Your Child about College Expectations - August 2011 If you are the parent of a high school student who is looking ahead to college, it is important to have a grown-up conversation with your child about college expectations. A frank discussion can help everyone get on the same page. Here are some talking points. [...] Read More
	All about Indices - August 2011 No doubt you've seen headlines reporting that a particular index is up or down. But do you know how an index works, and why understanding the nuts and bolts of a specific index can make a difference to your portfolio? Read More
	Ask the Experts: Income during Retirement - July 2011 What if my income during retirement won't be enough to meet my retirement expenses? Fortunately, you may have no need to despair. The further you are from retirement, the more time you have to resolve the expected shortfall. Even if you are closing in on retirement, there may be steps you can take to bridge the gap. Read More
	Getting an Early Start on Saving for Retirement - July 2011 Many people assume they can hold off saving for retirement and make up the difference later. But this can be a costly mistake. Waiting too long to start saving can make it very difficult to catch up, and only a few years can make a big difference in how much you will accumulate. This does not mean that there is no hope if you have not set aside anything for retirement yet. It just makes it all the more important that you implement a plan today. Read More
	Tax Advantages of Homeownership - July 2011 Although tax considerations are probably not the motivating force behind most home purchases, the tax advantages associated with homeownership are significant enough that they may factor into the decision process. Here is a quick review of federal tax benefits available. Read More
	Crisis Investing: Keeping Your Head - June 2011 When a crisis creates uncertainty, markets often become volatile, especially when the scope of the disaster isn't clear. A crisis is like Janus, the Roman god with faces that looked forward and back. Read More
	IRA Rollover Rules - June 2011 This week we seek to answer two frequently asked questions about IRS rules regarding IRA rollovers. Read More
	These Deferred Annuity Mistakes Can Be Taxing - June 2011 The tax treatment of nonqualified deferred annuities, this is annuities that are not part of a tax-qualified plan such as an IRA or 401(k), appears to be fairly clear-cut, except for those particular circumstances that trigger unexpected tax consequences. Read More
	The New Face of Socially Responsible Investing - June 2011 Feeling strongly about the societal benefit or harm your money might be supporting doesn't mean you have to forgo pursuing a return on your investments. Read More
	Mid-Year Tax Considerations - June 2011 Though it may seem as if the ink has barely dried on your 2010 federal income tax return, the end of 2011 is now visible on the horizon. Here are some things to consider as you take stock of your current tax situation. Read More
	Tax Implications Regarding Charity and Your IRA - May 2011 Are you considering using your IRA to make a charitable contribution or plan to name a charity as beneficiary of your IRA? You will want to read the two articles relating to this topic and the tax implications associated with each action before you do. [...] Read More
	Retirement Plans for Small Businesses - May 2011 If you're self-employed or own a small business and you haven't established a retirement savings plan, what are you waiting for? [...] Read More
	Estate Tax Exemption Is Portable (for Now) - May 2011 Picking up from last month’s insight “The ABC’s of Estate Planning Trusts,” recent legislation introduced a new, but perhaps temporary, estate planning concept – exemption "portability." [...] Read More
	Inflation or Deflation: Watching for Warning Signs - May 2011 As a follow-up to last month’s insight “Rising Interest Rates: The Downside of Economic Recovery,” there's been much debate in investing circles over the last year about whether inflation or deflation represents a more likely threat to the future of the U.S. economy. [...] Read More
	What Health-Care Changes Become Effective in 2011? - April 2011 The Patient Protection and Affordable Care Act (PPACA), signed into law in 2010, makes significant changes to our health-care delivery system. Here are some of the most important changes scheduled to take effect in 2011. [...] Read More
	The ABC's of Estate Planning Trusts - April 2011 If you're married, a combination of trusts, often referred to as A/B, A/B/C, or A/B/Q trusts, may be useful for estate planning purposes. [...] Read More
	Rising Interest Rates: The Downside of Economic Recovery - April 2011 Over the last several years, investors have grown accustomed to historically low interest rates. [...] Read More
	Saving for Retirement and a Child's Education at the Same Time - April 2011 You want to retire comfortably when the time comes. You also want to help your child go to college. So how do you juggle the two? [...] Read More
	Pathways - March 2011 Recent legislation includes changes that will affect small businesses in 2011. Here are some of the changes worth noting. [...] Read More
	Pathways - February 2011 Investors have been pouring money into bonds. Investment Company Institute statistics show that since January 2007, average net new money going into bond mutual funds each month has been roughly fourtimes greater than net outflows from equity funds. So does that mean we're in the bond market's equivalent of the late-1990s tech bubble? [...] Read More
	Pathways - January 2011 Roth conversions, mortgages, and health-care reform were a few of the most talked about topics in 2010. Here's a look at five topics you're bound to hear about in 2011. [...] Read More
	Pathways - December 2010 When you're contemplating the purchase of a mutual fund, some of the factors you'll need to consider carefully before buying are its investment objectives, risks, costs, and expenses. Information about all of these can be found in the prospectus available from the fund. [...] Read More
	Pathways - November 2010 One of the longest-standing debates in investing is over the relative merits of active portfolio management versus passive management. [...] Read More
	Pathways - October 2010 Required minimum distributions, often referred to as RMDs, are amounts the federal government requires you to withdraw annually from traditional IRAs and employer-sponsored retirement plans after you reach age 701⁄2 or, in some cases, after you retire. [...] Read More

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