Articles, Blog Entries and Case Studies

  • The Simple and Impactful Tax Savings Behind Gifting Appreciated Securities

    There are probably nearly as many ways and reasons to give as there are organizations and individuals seeking support. Our time, skills and resources are always in demand! The recent hurricanes and other natural disasters have prompted us to remind our clients and our community of one of the most tax efficient ways to give to charitable causes.   Read More...

  • Blocking and Tackling - The Fundamentals of Personal Finance - Let the Games Begin!

    As the summer draws to a close and fall approaches, school supplies are being whisked off the shelves, suitcases are being unpacked from the last getaway and, as importantly, (here in the South anyway!) the sounds of whistles blowing, pads popping, and coaches shouting signal the start of football season. At first blush, football and personal finance may not appear to be similar “games”, however, a closer look reveals some commonalities; a necessity to understand and execute the fund...  Read More...

  • The New DOL Fiduciary Rule - Who's on Your Side?

    Friday, June 9th, quietly marked an historic day in the financial services world. Moving forward, all financial advisors are required to forego any sales agenda and give advice that will benefit their clients—or, if they decide otherwise, to explain how and why they intend to give advice that instead primarily benefits themselves and their brokerage company. This new rule only pertains to rollovers from a qualified plan like a 401(k) into an IRA, and to the investment recommendations for t...  Read More...

  • Grads, Dads, Moms, Babies and Brides...tis the Season!

    Spring and early summer are filled with many opportunities for celebrations and are popular times for a variety of planned transitions in our lives.Among the customary transitions, May and early June mark a milestone for many students as they move forward to a new stage of life. In our April article, we talked about education costs. Now let’s move on to the good part…Graduation!Most of us at this time of year have or know an upcoming graduate.   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