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New Money to Invest – Lump Sum or Dollar Cost Average?

A question we have been asked repeatedly over the last six months has been: what is the best strategy to get into the market with new money?  Invest all of it at once?  Or invest in smaller increments over time through dollar-cost averaging? The most important thing to keep in mind is that the decision…


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2019 Contribution Limits for Retirement Accounts

Annual contribution limits for retirement savings accounts for 2018 and 2019, as established by the IRS, are listed below.  Please keep in mind that contributions to Traditional IRAs, Roth IRAs, and SEP IRAs can be made up until the time your tax return is due, including extensions. 2018 2019 Maximum Annual Traditional IRA contribution (under…



How Today’s Spending Habits Impact Your Retirement

When helping people plan for their financial future, the overriding principle that governs the advice we give is to “control what we can.”, and one of the things we have the most control over is how much we spend and how much we save. For those that are preparing for retirement, so much focus is…