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Archives for April 2011

Target Funds & 401(k) Plans

04/28/2011 by

A number of years ago, employers began to include Target Date Funds as choices in their 401(k) plans.

The idea behind these investments, sometimes called “Lifecycle Funds,” is to help you to easily allocate your retirement plan contributions. Essentially, you would select a Target Date Fund that was “dated” close to the year you planned to retire, and, often, not include any of the other investment choices available in your company’s plan. For example, if you want to retire in 2015, you might select “Target Date Fund – 2015.” If you thought you would begin to enjoy your Golden Years in 2020, then you might choose “Target Date Fund – 2020.

Filed Under: Clarity Coaching Tagged With: , , ,

Government Shutdown Market Impact

04/18/2011 by

A recent Friday, late in the evening, Congress and the White House came to an agreement that averted a partial government shutdown – for now. Over the course of last week, several advisors asked for my take on what would happen to the stock markets if the government had closed down, even temporarily. Some of these advisors following the active approach to investment management, wondered if they should “sell,” or if should they “buy.” Would the markets go up? Or would they go down? How should they react?

My advice was that if client portfolios were properly designed from the beginning, there would be no need to make any changes to existing portfolios.

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Taxes…Taxes…Taxes

04/12/2011 by

What else comes to mind when you think of April? Taxes…Taxes…Taxes! I’ve attached a video that may hit close to home for some of you having just recently gathered up and prepared your own taxes. If you found your self saying, “I need to do something about these taxes”, this is a good place to start. Doug is a friend of mine and has been a financial planner for over 30 years and we’ve incorporated some of his Missed Fortune strategies in our own planning as well as in plans for qualified clients. Please stop by the office to discuss some Missed Fortune concepts if you feel proactive tax planning may benefit your situation.

http://www.youtube.com/watch?v=DlfXYzdt4Bk

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