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? Key Takeaway: 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...
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...
Recent Comments