5 Stocks to Buy Before the Next AI Demand Shock Hits
For years, the artificial intelligence (AI) trade looked deceptively simple: buy Nvidia (NVDA), collect the upside, repeat. That was the right call in 2023. It’s a much smaller part of the story today. To understand why, it helps to rewind further…
Should You Invest in Gold? A Financial Adviser’s Guide
When it comes to asset allocation, advisers and allocators typically agree on the portfolio building blocks, particularly as it relates to traditional asset classes. Domestic large-cap and small-cap equities, international equity, fixed income and cash…
IRS Is Taking a Closer Look at Trusts: What It Means for Estate Planning
Trusts are a common estate planning tool, and with trillions of dollars expected to change hands as wealth moves from one generation to the next now and in the coming years, various trust types and the tax rules surrounding them are getting more…
Will You Regret Retiring Early? 8 Warning Signs
With life expectancies increasing and inflation soaring, many people are retiring later to boost savings and stretch their nest eggs further. However, those who have saved well and are tired of the nine-to-five grind may be eager to retire early. Early…
How to Turn Your Home Equity Into Retirement Income
Home equity is what a house is worth today, minus whatever is still owed on the mortgage. A $600,000 home with $100,000 left to pay carries $500,000 in equity. Years of rising property values mean some homeowners have far more wealth tied up in their…
The Retirement Birthday Quiz: Test Your Milestone Knowledge
Hitting milestone birthdays in your 50s, 60s and 70s brings far more than just celebrations — it unlocks major financial opportunities and introduces strict federal deadlines. From penalty-free 401(k) access at age 59½ to Social Security claiming choices…
Roth Conversions: The Golden Tax Planning Window
When Mike and Liz retired at age 63, they were looking forward to finally having an easy tax return. No more working meant no more worrying whether their company withheld enough taxes on their incentive plan payouts and stock vesting. They’d hit…
How Much Money Should You Put in a CD?
If you’re looking to grow your money without facing any market risk, a certificate of deposit (CD) might be an appealing choice. But unlike making regular deposits into a savings account, a CD usually has just one initial deposit, and you’ll need to…
Grandparents’ Guide to 529 Plans for College and Private School
529 savings accounts are a popular way for grandparents to help pay for education. Contributions to 529 accounts are treated as gifts to the beneficiary, and many states give residents who fund accounts in that state a deduction or credit on state tax…
Medicare Supplement Rates: How to Save Money
Most people treat their Medicare supplement plan the way they treat a landline: It’s something they sign up for once, at 65, and never think about again. That instinct might make sense for other types of insurance. But it’s the wrong instinct…