Why your 401(k) needs a Roth option


Michael Gerali is a man on a mission. Michael is one of the authors of the controversial book, “What You Don’t Know About Retirement Will Hurt You!” (published by People Tested Publications, which I have ownership in). He makes the case that the financial planning model that’s been employed for decades, creating as much income [Read More…]

Retirement, bitcoins and asset allocation


Over a month ago, I embarked on a financial journey that was built around evaluating the asset allocation of my retirement funds. Here I now stand, a month older (not sure if I would say a month wiser), and I’m holding bitcoins in my retirement account. How did that happen? For those of you who [Read More…]

How to get bitcoins into your retirement account


Most investors have little trouble making an “alternative investment” in their retirement account. The current “rule” of asset allocation calls for having about 5% -10% of your overall investment portfolio to be in “alternative investments” as a compliment to other assets such as stocks and bonds. Before 2008, alternative investments were discussed strictly as an [Read More…]

My risky retirement bet in bitcoins


I’m in search of a bitcoin investment for my retirement account — but that doesn’t mean that I consider bitcoins safe for retirement. By placing a bitcoin investment into my retirement account, I’m adhering to an asset allocation “rule” that suggests I should have some small portion of my overall portfolio in “alternative investments.” Alternative [Read More…]

Why I’m adding bitcoins to my retirement portfolio


“Practice what you preach” was the Golden Rule in my parent’s house. These days, this adage seems less a rule and more a relic of the past. Clearly few of our national leaders follow this rule. The same could be said of our most highly valued business leaders as well. Whatever happened to the law [Read More…]

Easier to talk religion or politics than money


Wells Fargo has just come out with a new survey about the health of American adults. The good news is that most Americans feel that they’re in good or great shape physically (this may ease some concerns about health care costs), but the bad news is that less than half feel the same about being [Read More…]

One place where Obamacare is helping


Whenever you write anything about the Affordable Care Act (ACA), or what is referred most often to as Obamacare, there always seems to be criticism and a “lively” debate. I must admit that much of the negativity is valid, but being able to provide health care to a wider range of people, including those who [Read More…]

Little known Medicare fact will impact your retirement


Michael Gerali and the six other authors of the new and controversial book, “What You Don’t Know About Retirement Will Hurt You!” are on a mission. They want all investors and advisers to recognize that the rules for retirement have changed in the new landscape of rising health-care costs, Obamacare and people working longer. They [Read More…]

Tatar’s top 10 retirement articles from 2013


This is the first time that I’m doing a Top-Ten list for the year but it seems fun to go over the wide range of topics I covered this year. From bitcoins to long-term care to preparing your home for retirement, these articles struck a chord for readers this year. So here they are: 10. [Read More…]

Long-term care planning too often ignored

LTCare001Small

In business, partners must protect themselves from the financial ramifications that a significant health or lifestyle change of a partner can have on the other. To protect themselves, business owners form a “buy/sell agreement” as a kind of “insurance” against these events, which cannot only place a significant burden on one partner, but can cripple [Read More…]