Revised catch-up contribution limits: what changes for savers over 60
The catch-up contribution rules now treat savers in their early sixties differently from everyone else, and the difference is large…
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Rebalancing strategies that manage the tax consequences
Rebalancing a taxable account is not free. Directing new contributions, harvesting losses and using tax-deferred accounts for the bulk of…
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Sizing an emergency reserve in months of expenses
The familiar three-to-six months answer is a starting point, not a conclusion. The right reserve depends on how stable your…
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How to read a fund fact sheet: five figures that matter
A fact sheet is a marketing document that happens to contain some facts. Five numbers on it are worth your…
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Claiming Social Security: the arithmetic behind the timing decision
Delaying a claim buys an inflation-adjusted, government-backed income stream at a price no insurer can match. Whether that is the…
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Donor-advised funds: bunching gifts without losing the annual rhythm
A donor-advised fund separates the year you take the deduction from the years you make the grants. For households close…
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