Category: Retirement Planning

Long Term Bonds: Good for you or good for the brokerage firms?

By Bryan Binkholder on Jul 26, 2010 in Bonds & Bond Funds, Featured, Investing, Investing, Retirement Planning

Many investors are being drawn into long term corporate bonds while not fully understanding the risks associated with this type of investment. As you will learn, the general idea of fixed income investments are for security and stability in your portfolio. While a bond seems to be more secure than stocks, the [...]

Beware of Roth Conversions Video

By Bryan Binkholder on Mar 18, 2010 in Featured, IRA/401k, Roth IRA, Taxes

The talk of 2010 is the ability to convert your Traditional IRA to a Roth IRA and spread the taxes out over a two year period. What are the pro’s and con’s of such a move? Is it right for everyone? Since we all believe taxes will go up in the future, [...]

401k/Trustee Directed Plans – Excerpt from 02.21.10

By scampbell on Feb 22, 2010 in 401K, IRA/401k, Investing

Bryan and Jim continue discussion about 401k plans and the high fees associated with choice vs. the lower fees of trustee directed plans. For most plans under $6 Million Dollars, the costs of 401k plans can be rather prohibitive, ranging in the 2.5% to 3.5% category when all costs are figured in. In [...]

Trustee Directed Plans - 2.21.10 [10:58m]: Play Now | Play in Popup | Download

401K Plans Being Taken To Court For High Fee’s

By Bryan Binkholder on Nov 11, 2009 in 401K

401k Plans and Pension Plans are typically some of the highest cost plans in the industry. Most small business owners and pension plan board members are ‘unaware’ of the rules and responsibilities that come with administering a 401k/pension plan. Don’t fall prey to brokerage firms trying to sell their plan designs with mutual funds and [...]

Who’s Actually Running Your 401k?

By Bryan Binkholder on Nov 10, 2009 in 401K, IRA/401k, Small Business

We are called into small businesses at least 1x a week to review 401k plans and help business owners establish new plans that meet the need of their workers in the most efficient manner. What is amazing is that most owners and participants have no clue as to the abuse and scandal within 401k plans. [...]

Taxes: States Step Up To Grab Estate Taxes

By Bryan Binkholder on Nov 10, 2009 in Estate Planning, Retirement Planning, Taxes

I’ve mentioned it time and time again. Taxes with the government can be likened to a balloon filled with air that you begins to change and move when you press on the balloon. Politicians in their greed for power use taxes like a game to pepper special interest groups with money and funds to keep [...]

Roth IRA Rules

By Bryan Binkholder on Nov 09, 2009 in IRA/401k, Roth IRA

I’ve wanted to write a little explanation of Roth IRA’s because many people have asked if now
is the time to convert to such an account. Today I ran across a great article that was ACTUALLY RIGHT (many news articles are incorrect as we are learning) so I thought it would be helpful to pass along.

By [...]

Don’t Be A Sucker! The Madness Must Stop. Stock Picking, Track Record Investing, Past Performance

By Bryan Binkholder on Nov 09, 2009 in Asset Allocation, Investing, Mutual Funds, Retirement Planning

Originally Posted on March 21, 2009.

Worst First Quarter Ever! (Originally Posted 4.21.09)

By Bryan Binkholder on Nov 09, 2009 in Investing, Retirement Planning, Stock Pickers & Gurus

The Market was killed in the first quarter of 2009 and most investors fled for the exits. The Financial Coach on April 21, 2009 related the worst first quarter and the Business Week article by bringing up the facts of how markets work and how as an investor you cannot fall prey to fear [...]

Active Management (Mutual Funds/Brokers) Vs Passive Management (Asset Classes and Index Funds)

By Bryan Binkholder on Nov 09, 2009 in Asset Allocation, Asset Allocation, Diversification, ETF & Index Funds, Investing, Mutual Funds, Retirement Planning

The argument has raged for years that mutual funds and brokers can deliver better returns by their ‘knowledge’ concerning the market. While many investors fall prey to this misinformation, the truth has slowly gotten out and investors are learning. While managed funds still prey upon the ‘greedy’ with the idea that [...]