Investment Insights Blog | Plancorp | Retirement Planning (4)

The Most Common 401 (k) Mistakes People Make- And How to Fix Them

As a Retirement Plan Advisor for Plancorp, I spend a lot of my days talking to retirement plan participants about their 401(k) plans. In conversations and presentations, I get to educate participants to help them get the most of their retirement savings. Read more…

The 4 Social Security Questions I Hear the Most

Social Security is like math class: it can be intimidating and complicated, but it’s ultimately extremely beneficial when leveraged properly. Read more…

3 Times You Shouldn't Roll over Your 401(k)

Financial advisors are quick to encourage individuals transitioning into new jobs or who are near retirement to roll their 401(k) account into an IRA. But is a rollover always your best option? While it’s a popular move, that doesn’t mean it automatically makes sense for everyone. Read more…

So Your Employer Provides a Retirement Plan … Now What?

Whether you just got a new job (congrats!) or you have been working for your company for a couple years, you need to be aware of certain details around your retirement plan. I regularly work with employees enrolled in the plans we advise. Here are the key takeaways I want all employees and plan Read more…

Do You Have a Bad 401(k) Plan?

When I first meet a potential client, I’m always disheartened to see the poor retirement plans offered by employers. Read more…

Changing the Rules of Retirement

I bought an airline ticket last night for an upcoming trip, thinking I’d found a deal. But after taxes, facility charges and carrier-imposed fees (what are those?), I was not feeling as confident in my purchase. Unfortunately, some employers feel the same way about their 401(k) plan—unsure if Read more…

Vernon Davis Is Going to the Super Bowl, But Should He Go in Your Portfolio?

Some companies offer stocks that allow individual investors to invest in securities tied to the future earnings of professional athletes. However, some financial advisors advise caution, saying that these kinds of risks are not wise for long-term investment strategies and may be better suited for a Read more…

The Bipartisan Budget Act of 2015

On November 2, 2015,  President Obama signed into law the Bipartisan Budget Act of 2015, legislation that raises the federal debt limit and establishes the framework for a two-year budget deal. The legislation, needed to avoid an impending default on U.S. debt, also contains multiple unrelated Read more…

When Should You Take Social Security?

Last week President Obama signed the Bipartisan Budget Act of 2015, which raised the federal debt limit and avoided another debt ceiling issue.  Tucked within this new law is a provision labeled “closure of unintended loopholes,” which eliminates a couple strategies for maximizing Social Security Read more…

Modern 401k Plans Explained

I recently contributed to a FiduciaryNews.com story examining how today’s 401k plans may be unrecognizable to the first ones created in the early 1980s. Five dramatic differences between modern 401k plans and their distant Reagan-era cousins: Read more…

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