Supreme Court hears a case that may have broad implications for 401(k) savers

Supreme Court hears a case that may have broad implications for 401(k) savers On Feb. 24, the nation’s highest court began to hear arguments in an initial class-action lawsuit, Tibble, et al v. Edison International, regarding higher-than-necessary...

Average 401(k) savings reach record highs, consistent savers fare best

Average 401(k) savings reach record highs, consistent savers fare best Skyrocketing stock market activity coupled with greater contributions from employees last year has led to a record high of $91,300 in average 401(k) savings balances in the...

Average 401(k) savings reach record highs, consistent savers fare best

Average 401(k) savings reach record highs, consistent savers fare best Skyrocketing stock market activity coupled with greater contributions from employees last year has led to a record high of $91,300 in average 401(k) savings balances in the...

Student Loans Change Debt Load Landscape for Millennials and Seniors Alike

Student Loans Change Debt Load Landscape for Millennials and Seniors Alike Over the past decade, debt loads have morphed, and more and more consumers – including older generations – are becoming burdened in one way or another by student loan debt....

Is the 4% Rule Still Applicable to Retirees Today?

Is the 4% Rule Still Applicable to Retirees Today? Since the 1990s, many investors and financial advisors have been drawn to a so-called “4 percent rule”, which purports that a retired individual should never run out of money so long as he withdraws...

Charles Schwab Report Busts Nine Myths of Retirement Planning

Charles Schwab Report Busts Nine Myths of Retirement Planning   Misconceptions, misinformation and miscommunication are prevalent when it comes to retirement planning. Planning for retirement can be a stressful ordeal already, particularly for those...

Seniors report losing $30,000 to financial scams

Seniors report losing $30,000 to financial scams Retirement planners work hard throughout their lives in order to secure comfortable, risk-free retirements. Part of this savings and investment process includes designing diverse investment portfolios...

Big Changes Afoot for Social Security in 2015

Big Changes Afoot for Social Security in 2015  As 2014 draws to a close, retirees and retirement planners everywhere are looking ahead to plan for the new year on the horizon. In late October, the Social Security Administration announced a few big...

CalPERS liquidates hedge fund portfolio, makes waves in the investment community

CalPERS liquidates hedge fund portfolio, makes waves in the investment community   The California Public Employees Retirement System (CalPERS), America’s largest pension fund, announced in September that it will be divesting all $4 billion of its...

MyRA: The new “starter” IRA

MyRA: The new “starter” IRA  For many Americans, employer-sponsored retirement savings plans, such as 401(k)s, are simply not an available option for them. Whether because they are part-time, hourly, self-employed or simply don’t receive benefits...

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The FMB Advisors Blog

Sailing with the Tides

4/17/18 Embarking on a financial plan is like sailing around the world. The voyage won’t always go to plan, and there’ll be rough seas. But the odds of reaching your destination increase greatly if you are prepared, flexible, patient, and well-...

10 Things To Do Right Now While Markets Are (Not Really) Tanking

  4/02/18 “This is a test; this is only a test. Had this been an actual emergency …” The truth is, the markets are not tanking as we write this piece. In fact, overall market temperatures have been so mild for so long, many newer investors have...

Charitable Giving Under New Tax Laws: Understanding the Donor-Advised Fund (DAF)

2/28/18 No matter how the 2017 Tax Cuts and Jobs Act (TCJA) may alter your tax planning, we’d like to believe one thing will remain the same: With or without a tax write-off, many Americans will still want to give generously to the charities of...

5 Hallmarks of Great Financial Advice

2/12/18 You may think the best financial advice is that which makes you the most money. Think again. You may get lucky on bad advice but at some point, the luck will run out, putting your financial future into jeopardy. Separate the good from the...

Protecting Investment Accounts from Cyberattacks

1/19/18 Hackers have dismantled hospitals, held a North Carolina county’s computer system hostage, and stolen the personal information of basically half of all Americans. And that was just in 2017. Who’s to say they won’t go after investment...