by Joe Allaria CFP®, MBA | Dec 30, 2025 | Article, Portfolio Management, Retirement Planning, Tax Planning
Roth 401(k) vs. Traditional 401(k): Which One Is Right For You? Choosing between a Roth and Traditional 401(k) depends on your tax rate now versus in retirement: pay taxes now with a Roth, or later with a Traditional. Many people benefit from using a mix of both for...
by Joe Allaria CFP®, MBA | Oct 29, 2025 | Article, Portfolio Management, Retirement Planning
How Should I Invest My 401(k)? The best way to invest your 401(k) is to choose a diversified mix—often through a simple target date fund or a well-balanced portfolio of stock and bond funds—that aligns with your age, risk tolerance, and long-term retirement goals. A...
by Joe Allaria CFP®, MBA | Oct 22, 2025 | Article, Portfolio Management, Retirement Planning
How Much Should You Be Contributing to Your 401(k)? Most Americans are saving far below the recommended 15–25% of income for retirement, leaving their futures uncertain. By capturing your employer match, following age-based savings checkpoints, and increasing...
by Joe Allaria CFP®, MBA | Sep 30, 2025 | Article, Portfolio Management, Retirement Planning
Retirement Risk Made Simple Retirement investing isn’t completely different than investing prior to retirement. The same risks and thought patterns should apply. However, the end strategy will likely look different due to expected withdrawals during the retirement...
by Joe Allaria CFP®, MBA | Aug 28, 2025 | Article, Portfolio Management
Who is Overseeing Your Financial Account Managing taxes, investments, insurance, and estate planning on your own can leave gaps that cost you time and money. Without coordination, professionals often work in silos, leading to missed opportunities. A comprehensive...
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