The “Back-Door” Roth Conversion

Month: March 2017

March 29, 2017  |  

The “Back-Door” Roth Conversion

As many of you know, Roth IRAs are one of the best types of retirement accounts out there. As I’ve covered in previous posts, there are tremendous benefits to participating in a Roth IRA: Tax-free distributions in retirement. Access to your contributions at any time penalty free. No required distributions at age 70 ½. What’s not to like? Well for one, if you make too much money, you may not be able to participate in a Roth […]

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March 27, 2017  |  

There’s Still Time to Contribute to an IRA for 2016

Calendar year 2016 is long gone, but there’s still time to make a regular IRA contribution for tax year 2016! You have until your tax return due date (not including extensions) to contribute up to $5,500 for 2016 ($6,500 if you turned age 50 by December 31, 2016). For most taxpayers, the contribution deadline for tax year 2016 is April 18, 2017. You can contribute to a traditional IRA, a Roth IRA, or both, as […]

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March 22, 2017  |  

Behavioral Factors That Influence Investment Decisions

In my previous post we looked at the four keys to understanding factors that impact investment risk and return. Here we’ll explore the human factors that influence investment decisions more than you might think. No matter how much discipline and empirical research they have at their disposal, the clear majority of investors have difficulty sticking to their plan when confronted by enormous fear or opportunity. This irrational behavior has its roots in physiology and human […]


March 20, 2017  |  

4 Key Factors That Impact Risk & Return

In my last post, we explored the nuances of diversifying your portfolio. In this video, we’ll explore why you should be compensated differently for investing in different types of asset classes. We’ll also explain why the true evidence-based investing our firm advocates is more powerful than mere surveys, studies and research reports so often touted by the media and the financial services industry. We’ll explore why stocks historically return more than bonds, why small-cap stocks […]

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March 15, 2017  |  

The Power of Diversification

In my last post we discussed the three key concepts that determine the price of an individual security.  Here we’ll explore the importance of diversifying your investments. More than five decades of academic research has confirmed two key benefits of diversifying and they’re among the most powerful concepts in financial economics: (a) Having a diversified portfolio reduces your exposure to different types of investment risk and (b) diversification can also improve your expected returns. Here you’ll […]