The sequence-of-returns risk can impact your early years of retirement as you draw income. Discover how it works and what you can do to plan for it. Picture this: after years of hard work and diligent saving, you’re finally ready to retire. But just as you begin withdrawing income from your portfolio, the market takes a sudden downturn. This unfortunate timing, known as sequence-of-returns risk, can have a significant impact on your financial future. In this article, we’ll break down how...

Home Investing Thematic Investing: Definition and Basics Thematic investing involves putting money toward ideas that are shaping the market economically or technologically. We break down how it works and the pros and cons. As an investor, you might find yourself drawn to causes or trends that align with your values or shape the future. Thematic investing lets you target emerging technologies, demographics, or sectors that reflect those interests while positioning your portfolio to benefit...

Home Financial Advisors How Financial Advisors Help During Market Downturns Periods of market uncertainty can leave you feeling aimless. Learn how a financial advisor can offer crucial guidance and emotional support. When markets turn for the worse, it’s natural to feel anxious or uncertain about your finances. Whether you’re nearing retirement, actively investing, or living within a tight budget, seeing economic turmoil can leave even seasoned investors feeling aimless. During a tumultuous...

Home Financial Advisors How to Avoid Lifestyle Creep Lifestyle creep can be a silent threat to your long-term financial goals. We outline how to spot it and what you can do to prevent it from setting in. As your income increases, it’s tempting to upgrade your lifestyle right along with it. Nice dinners out, a new car, or a bigger house. While these might feel like well-earned rewards, they can quietly chip away at your ability to save money and build long-term wealth. Lifestyle creep is a...

Home Retirement Should You Roll 401(k) Over After Leaving a Job? What should you do with your 401(k) after leaving a job? We outline the different options you have, including moving to a new plan or an IRA. Leaving a job comes with plenty of questions and decisions to make. One of the most important is what to do with your 401(k). Rolling it over into an IRA or a new employer’s plan may seem like the obvious choice, but it’s not always the best move. The right decision for you depends on your...