Market news, retirement advice & planning tips.

Risk Management

What Does Medicare Cover?

Medicare is the federal health insurance program for elderly persons and certain disabled individuals. In 1965, Medicare was enacted to provide a “safety net” of health-care coverage for qualifying individuals.…
Ken
February 12, 2014
Retirement

What Are SEP IRAs?

A simplified employee pension plan (SEP) is a deferred-compensation arrangement that is similar to a profit-sharing plan. It can be set up by employers and self-employed individuals, as well as…
Ken
February 12, 2014
Retirement

What Is a SIMPLE?

There are many types of employer-sponsored retirement plans. One that may appeal to small businesses and to self-employed individuals is the savings incentive match plan for employees of small employers…
Ken
February 12, 2014
Retirement

What Is a “Stretch” IRA?

Finding a method to leave a lasting legacy to your loved ones without increasing their tax burdens can be difficult and complicated. A “stretch” IRA may be a useful approach…
Ken
February 12, 2014
Retirement

What Is an IRA Rollover?

If you leave a job or retire, you might want to transfer the money you’ve invested in one or more employer-sponsored retirement plans to an individual retirement account (IRA). An…
Ken
February 12, 2014
Retirement

What Is a Roth 401(k)?

The arena of employer-sponsored retirement plans has been dominated by 401(k) plans that are funded with pre-tax contributions, which effectively defers taxes until distributions begin. However, the recently created Roth…
Ken
February 12, 2014
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