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Over the course of our lives, we make countless decisions about how to invest our time, money, energy, enthusiasm, etc., only to look back at some decisions favorably and others, well, not so much…. But how do we ever ...(more)
The Department of Labor, through its Employee Benefits Security Administration, is charged with overseeing health, welfare and benefit plans offered by employers. This includes 401(k) plans. 401(k) plans are fairly ...(more)
Conventional wisdom states that you should replace from 70 to 85% of your pre-retirement household income. However, most Americans are unable to do this. The truth is that it is an individual decision based on your ...(more)
According to a recent study by Sigfig, a portfolio platform, women are more likely to make money when investing than men. In this study, SigFig looked at 750,000 portfolios and analyzed the anonymized data by gender. ...(more)
Men and women nearing retirement who have gone through a divorce are less likely to feel financially prepared than married couples. Women are most likely to feel financially unprepared than men and this is for good ...(more)
It is tax time once again and no matter how much you hate taxes you should know about the tax advantages of IRA’s. Contributions to IRA’s can help you in many different ways at tax time. They can lower your taxable ...(more)
The idea of a universal basic income has found growing support in Silicon Valley as robots threaten to radically change the nature of work.
Ebay founder Pierre Omidyar is the latest tech bigwig to get behind the ...(more)
Quotes from famous, funny or brilliant people are widely referenced, sometimes overused to emphasize a point. There are certain quotes or phrases that can help guide us when we are making ordinary life or important ...(more)
The mathematics of investing is a handy reference for those who want to calculate their own investment metrics such as yield and annual return. However, I must state … with important caveats.
I would caution that ...(more)
Becoming a Millionaire used to seem like this totally unrealistic goal that would never happen unless I won the lottery or inherited a bunch of money from some distant relative. As it turns out becoming a millionaire ...(more)
There is a cost to indexing that most investors are unaware of. It is called “reconstitution.” What is reconstitution and how may the costs involved be solved?
What is an index? An index tracks changes in the ...(more)
1983. Return of the Jedi hit theaters and President Reagan was proposing his own Star Wars Defense System.
While Trump is forming a new "Rebel Alliance" in Washington (yes, my son and I have tickets to the new ...(more)
Home equity line of credits or HELOCs (pronounce he – locks) are usually thought of as a tool to pay for a kitchen remodel or to update a bathroom. Outside of the this use, they can be an important component of your ...(more)
Think about common risks in your life and the tactics you use to minimize or avoid them.
If you're trying to lose weight then you burn more calories (read: Exercise) and consume fewer or at least better calories ...(more)
The title of this post is a possibility, that holistic financial planning can be fun! But in my experience that is almost, without exception, a myth. Because holistic planning involves frank discussions of the ...(more)
I just finished Michael Lewis’ new book, The Undoing Project. My copy is methodically dogeared and underlined, but one passage has stuck with me since I read it.
If people thought that a coin, after landing on heads ...(more)
Employee stock purchase plans (ESPP) can be an overlooked benefit from your employer and you could be leaving a thousand of dollars each year on the table by not participating! ESPPs can be an important helper in ...(more)
I think people generally realize that buying high and selling low isn’t a good strategy. However, year after year the research shows that individual investors tend to buy asset classes or sectors after periods of ...(more)
Information is provided 'as is' and solely for informational purposes, not for investment purposes or advice. BrightScope is not a fiduciary under ERISA. BrightScope is not endorsed by or affiliated with FINRA.