Articles, Blog Entries and Case Studies

  • December 31, 2018 Market Recap

    Financial Markets – A Recap of 2018 and a Look Ahead at 2019 Market volatility significantly increased in the 4th quarter on the back of slower economic growth, ongoing political and trade risks, and an increase in US interest rates. The S&P 500 Index, a broad measure of US Large Cap stocks, fell 9.03% in December which was the worst December since 1931 when the Index fell 14.53%.For the calendar year of 2018, the S&P 500 Index declined 4.39% which was the worst annual re...  Read More...

  • Financial Markets - A Recap of 2017 and a Look Ahead at 2018

    The bull market continued for another year, and 2017 will go down in history as a highly unusual economic year. Nearly every major sector, country, region, and asset class had positive performance. This rarely happens!   Read More...

  • Tax Cuts and Bitcoin Frenzy

    In an effort to inform our clients and our community, we have patiently waited to provide insight on the tax reform efforts likely to be passed this week. It appears the House and Senate have finally reconciled legislation that will be sent to the President for signature.Separately, it’s hard to ignore the meteoric rise of Bitcoin and the emergence of cryptocurrency as an asset class, or at least the investment world’s effort to try to turn it into an asset class. Accordingly, we tho...  Read More...

  • Medicare Open Enrollment

    WHAT IS THE MEDICARE OPEN ENROLLMENT PERIOD?The Medicare open enrollment period is the time during which people on Medicare can make new elections between Original Medicare (Parts A and B) or Medicare Advantage (Part C); and, their Prescription Coverage (Part D) if they are on Original/Traditional Medicare.WHEN DOES THE OPEN ENROLLMENT PERIOD START?The Medicare open enrollment period begins on October 15th and runs through December 7th. Any changes made during open enrollment are effective as of...  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