Financial Health

What You Don’t Know about RMDs Can (Really) Cost You

By Jim Terwilliger Thank goodness for pre-tax retirement plans such as 401(k)s and traditional IRAs. These plans offer attractive features

By Jim Terwilliger Like it or not, “means testing” is here to stay in the form of tiered costs for

By Jim Terwilliger Setting goals for the new year is a popular activity. Unfortunately, for most of us, our goals

By Jim Terwilliger Many folks consider IRAs and 401(k) plans to be six of one, half-dozen of the other. Yes,

By Jim Terwilliger On Dec. 18, 2015, President Obama signed into law the Protecting Americans from Tax Hikes Act of

By Jim Terwilliger Those of us offering advice in the financial planning world like to identify two primary time periods

By Jim Terwilliger I often say that the Roth IRA — and more-recent Roth 401(k) — is one of the greatest gifts