by Joe Allaria CFP®, MBA | Oct 29, 2025 | Article, Portfolio Management, Retirement Planning
How Should I Invest My 401(k)? Key Takeaway: You should invest your 401(k) based on your goals and comfort level—either through a target date fund, a managed account, or a diversified self-directed portfolio. A 2023 SurveyMonkey study revealed a surprising fact:...
by Joe Allaria CFP®, MBA | Oct 22, 2025 | Article, Portfolio Management, Retirement Planning
How Much Should You Be Contributing to Your 401(k)? Key Takeaways: Starting early—even with small contributions—can have a huge long-term impact thanks to compound interest. Gradually increasing your savings rate by just 1% per year can significantly boost your...
by Joe Allaria CFP®, MBA | Sep 30, 2025 | Article, Portfolio Management, Retirement Planning
Retirement Risk Made Simple Key Takeaways: Retirement brings new risks—like relying on withdrawals and market timing—that require a more deliberate plan. There’s no one “safe” withdrawal rate, so flexibility matters more than fixed rules. Poor market returns early in...
by Joe Allaria CFP®, MBA | Aug 28, 2025 | Article, Portfolio Management
Who is Overseeing Your Financial Account Key Takeaways: Trying to manage taxes, investments, insurance, and estate planning on your own often leads to gaps — because these pieces rarely get coordinated. Mistakes like forgetting to retitle accounts or update...
by Joe Allaria CFP®, MBA | Aug 25, 2025 | Article, Portfolio Management, Risk Management
The Right Way to Diversify Your Investment Portfolio Key Takeaways: Real diversification isn’t just owning many funds — it means ensuring the underlying assets are truly different in industry, size, geography, etc., to avoid overlapping exposures. Owning multiple...
by Joe Allaria CFP®, MBA | Jul 25, 2025 | Article, Portfolio Management, Retirement Planning
How to Get on Track for Retirement Key Takeaway: Get on track for retirement by saving early, increasing contributions over time, investing in a diversified portfolio, and, if needed, working a bit longer to boost both savings and benefits. According to a survey done...
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