Retirement Planning

The “Back-Door” Roth IRA: Helping High Earners Keep More of Their Earnings

High earners who would otherwise be excluded from contributing to a Roth IRA may want to consider this strategy. If ever there were a tax-efficient saving vehicle, it is the Roth IRA. It can: Provide you with the double benefit of tax-free growth and tax-free withdrawals in retirement Is not subject to Required Minimum Distributions (RMDs)…


A Primer on the Various Types of Investment Firms

In today’s world, there are several different types of investment firms, but with important differences between them that confuse not only consumers but even many investment professionals.  The short article below provides a basic overview of the various types of firms and how they differ. “Brand Name” Brokerage Firms Much investment advice in the U.S.…


Government Policies and Your Investment Portfolio

Last February, Newsweek magazine ran a cover story entitled “We Are All Socialists Now” in which the authors, Jon Meacham and Evan Thomas wrote: “The America of 2009 is moving toward a modern European state” and “more government intrusion into the economy will almost surely limit growth as it has in Europe, where a big welfare state has caused chronic high unemployment” (Newsweek, February 16, 2009).