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    End-of-the-Year Money Moves
    John J. Diak, CFP®
    • Dec 4, 2018
    • 5 min

    End-of-the-Year Money Moves

    If notable changes occurred in your life, you’ll want to review your finances before this year ends. Even if 2018 has been uneventful, it’s
    Preparing to Retire Single
    John J. Diak, CFP®
    • Nov 27, 2018
    • 4 min

    Preparing to Retire Single

    In an ideal world, it would be simple to prepare to retire single. You would just save half as much as a couple saves, buy half as much insu
    Are Changes Ahead for Retirement Accounts?
    John J. Diak, CFP®
    • Sep 11, 2018
    • 3 min

    Are Changes Ahead for Retirement Accounts?

    This year, lawmakers are addressing the problem of Americans not saving enough for retirement, with a bill proposing big changes to IRAs and
    The Many Benefits of a Roth IRA
    John J. Diak, CFP®
    • Feb 20, 2018
    • 4 min

    The Many Benefits of a Roth IRA

    The Roth IRA changed the whole retirement savings perspective. Since its introduction, it has become a fixture in many retirement planning s
    Shielding Retirement Assets From Taxes
    John J. Diak, CFP®
    • Dec 1, 2015
    • 5 min

    Shielding Retirement Assets From Taxes

    As hard as it is to believe, today's tax-advantaged plans -- including individual retirement accounts IRAs, 401(k)s, and rollover IRAs -- have the potential to make many employees millionaires. A 401(k) contribution of $433 per month, at 8% compounded monthly, would be worth more than $1 million after 35 years.1 These plans are also highly vulnerable to tax losses, if they are not bequeathed properly. For instance, a $1 million IRA inheritance could be whittled to almost noth
    When Changing Jobs, It Pays to Keep Track of Your 401(k)
    John J. Diak, CFP®
    • Nov 24, 2015
    • 3 min

    When Changing Jobs, It Pays to Keep Track of Your 401(k)

    Americans are on the move, not only in their leisure pursuits, but in their jobs as well. According to the Bureau of Labor Statistics, about 38% of U.S. workers change jobs every year. If your employment situation changes, do you know what your choices are for managing the money in your 401(k) account? Generally, workers have four options available to them: leave the money in their former employer's plan, transfer the money into their new employer's 401(k) (if allowed), roll
    What Is A Custodial IRA?
    John J. Diak, CFP®
    • Sep 24, 2015
    • 2 min

    What Is A Custodial IRA?

    A custodial IRA is an IRA managed by a parent or guardian for the benefit of a minor child, as long as that child works and has earned income. As with other types of IRAs, the maximum annual contribution for 2015 is $5,500 (indexed annually for inflation) and the underlying investments can be determined by the person managing the account, in this case the parent or guardian, prior to the child reaching majority age. A custodial IRA can be either a traditional IRA or a Roth IR
    Retirement Confidence: It's All In The Plan
    John J. Diak, CFP®
    • Aug 19, 2015
    • 3 min

    Retirement Confidence: It's All In The Plan

    Americans' confidence in the ability to afford a comfortable retirement continues to rebound from the lows reported between 2009 and 2013. The increasing optimism is coming largely from workers who indicate they and/or their spouse have a retirement plan, such as a defined contribution (401(k)-type) plan, defined benefit (pension) plan, or individual retirement account (IRA). This is one of the key takeaways from the 25th annual Retirement Confidence Survey (RCS) -- the longe

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