by Joe Allaria CFP®, MBA | Feb 24, 2026 | Article, Portfolio Management, Retirement Planning, Tax Planning
2026 Retirement Contribution Limits Explained Retirement savers have new opportunities in 2026, with higher contribution limits and updated tax rules affecting 401(k)s, IRAs, and SIMPLE IRAs. Knowing how these changes apply to your situation can help you strengthen...
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 | Jul 25, 2025 | Article, Portfolio Management, Retirement Planning
How to Get on Track for Retirement Nearly 30% of Americans have nothing saved for retirement—and even more aren’t contributing regularly. If you feel behind, you’re not alone—but a few small, smart changes could dramatically improve your financial future. According to...
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