Articles, Blog Entries and Case Studies

  • September 30th, 2019 Market Recap

    Executive SummaryDownside risks from the U.S. and China trade discussions resulted in deteriorating macro-economic conditions and corporate earnings in 2019. As a result, the U.S.   Read More...

  • An Objective Review of This Week's Market News

    Unless you have somehow managed to disconnect yourself from the world this week, it is not new news that market volatility returned in earnest. For those who have been following us for some time, we have been consistent in our message that we do not believe markets can be timed. Nothing has changed.We have been diligent in trying to remain a steady hand to you during good and challenging markets.   Read More...

  • June 30th, 2019 Market Recap

    Financial Markets – A Recap Of The First half 2019 Executive SummaryThe S&P 500 index produced a return of 17.35% in the first half of 2019, its best first half since 1997. June also marks the 121st month of the current economic expansion making this the longest economic expansion in U.S. History.   Read More...

  • The SECURE Act - What It Might Mean for You, Your Retirement and Your Heirs

    Contrary to the name, the SECURE act is not related to recent news regarding our borders or immigration. Rather, it is pertinent to something much closer to home – your Financial Freedom years!While currently still in committee, based on bipartisan support and passage by a 417-3 vote in the House, it appears very likely that the proposed legislation will become law.Without getting mired in the details, here are a few major (potential/likely) changes:Required Minimum Distributions (RMDs) &n...  Read More...

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401(k) Resource Center

You and Your 401(k) Retirement Plan

Your 401(k) is a key element of your overall financial plan. Importantly, it enables you to ‘pay yourself first’ by making contribution elections to fund your retirement and other goals directly from your paycheck.


  • Decide ‘Roth’ vs. ‘Traditional’ contributions –Traditional 401(k) contributions are made with pre-tax dollars – defers taxes on your contribution and gains until you withdraw funds. ‘Roth’ contributions are made with post-tax dollars – you pay the taxes on your contribution now but pay no tax when you withdraw your contribution or the gains (providing you are at least 59 ½ at the time of withdrawal).
  • Determine your Risk Tolerance - Important factors to consider in assessing your risk tolerance include your goals, your investment time horizon, and your current financial situation. The Investor Profile and Asset Allocation Calculator can help with assessing your risk tolerance and indicate an asset allocation suitable for you.
  • Select Funds for your Asset Allocation. From the fund menu, select and assign percentages to funds in the asset classes which best support your situation. Provided are two approaches:
  • A ‘basic’ core strategy with a limited number of funds which contain multiple asset classes and providing exposure to the bulk of the world’s capital markets.
  • An ‘advanced’ core and satellite strategy delineating a more robust selection of fund choices per asset class.
  • Ensure your beneficiary designations support your estate plan – failure to do so may undermine the estate plan you’ve worked out with your estate planning attorney. Consider checking with your attorney for direction.

Planning and Investing Basics

Planning and Investing: Digging Deeper