$ ?s: Roth or Pre-Tax 401(k)?
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Here is the only question you should attempt to answer: Are you paying a higher tax rate now or later?

$ ?s: Dividend Portfolios Carry Hidden Risks (Part 2)
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Q: Do you recommend dividend-paying stocks? If not, what investment strategy do you recommend for retirees like me who are seeking income from our portfolios?

Mailbag: Should I Pay Off My Mortgage Early?
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Some say don’t make extra payments, take the tax deduction. Others say you need to be debt free.

$ ?s: Dividend Portfolios Carry Hidden Risks (Part 1)
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Dividend investors are too easily lulled into the temporary comforts of portfolio income.

Mailbag: How Should I Invest a Roth IRA that My Children Will Inherit?
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Should it be invested aggressively, like 100% equities, or use the same split as my taxable investments, such as 50-50 stocks vs bonds?

How Do I Allocate Investments with Capital Gains Among Taxable and Traditional IRA Accounts?
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There is a distinction between existing high capital gains exposure in a mutual fund verses future capital gains you expose yourself to.

$ ?s: Don’t Let Your First Paycheck Go to Waste
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Q: I recently landed a job that will allow me to begin saving. My company offers a 401(k) and a 3% match, but I also have college debts of $15,000 and a credit card balance of $650. How do you recommend I proceed?

Roth 401(k) vs. Roth IRA (A Guide for the Perplexed)
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A Roth provides more flexibility than its Roth 401(k) counterpart because you can access the principal at any time without penalty.

$ ?s: Secondary Annuities Are Second Class
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Once you buy this product, you’re stuck. All structured settlement transfers must take place through a court order…

$ ?s: Help Me Conquer the Clutter
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Q: My husband hasn’t gotten rid of a single bill or financial statement during our entire 18-year marriage! He received a shredder from Santa this past Christmas, and I am ready to get started, but I want to know what, if any, of this paperwork I should keep.

$ ?s: Investment Advice for Those Who Don’t Need the Money
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Q: I am a 65-year-old retired widow and I have a large IRA. How should I invest if I don’t need this money?

How Should We Manage a Non-Profit Endowment?
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“There exists a timeless and flexible process for successful investment management decision making that is specifically tailored for Investment Stewards.”

“True or False: All Financial Advisors are Crooks” Asks Kiplinger-NAPFA Chat
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Kiplinger is teaming up with the National Association of Personal Financial Advisors (NAPFA) to bring you FREE, personalized financial advice.

Kiplinger-NAPFA Jump-Start Your Retirement Plan
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Kiplinger teamed up with the National Association of Personal Financial Advisors (NAPFA) to bring you FREE, personalized financial advice as part of Kiplinger’s 11th annual Jump-Start Your Retirement Plan Days.

$ ?s: Timing Social Security for a Spouse
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Q: I was told that I would not be able to apply for spousal social security until my husband qualifies for social security. Should I keep working so I can collect my small social security payment or should I just wait for spousal payments at age 73?

$ ?s: Accessing 401(k) Funds When Disaster Strikes
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Q:What advice can you offer for how to go about accessing retirement funds after a hardship?

$ ?s: The Quagmire of Socially Responsible Investing
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Q: I would like to see a portion of my investments make a difference in the world. Can you suggest an approach to socially responsible investing?

Green Gift$ for the Holiday Season ($ ?s)
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Q: I received a letter from a nonprofit organization to which I regularly donate suggesting I may be eligible for state tax credits. Can you please explain what this means?

$ ?s: The Gift that Keeps on Giving
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Q: We plan to use appreciated stock for charitable giving and are looking into using a Schwab Charitable Fund. Do you have any feedback on this strategy?

$ ?s: Gifting to the Grandchildren
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Q: I inherited shares of five stocks from my parents, who died many years ago. I am now 70 years old and would like to gift them to my grandchildren. How do you recommend I do this?

Market Timing Test ($ ?s)
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Q: I have put my investments in bonds until this global economic crisis settles down and the economic woes of the European Union subside. Do you have any suggestions for indicators that I should look for to get back in?

Mailbag: My Home is 32 Times What I Paid for It. Isn’t that an Investment?
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Although the house does not pay me any money on an ongoing basis, I think it will represent a very good return on my money invested should I decide to sell.

The Lowdown on HSAs ($ ?s)
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Q: It’s annual enrollment time, and my employer is now offering a health insurance plan with a $3,500 deductible and otherwise similar benefits as an alternative to our conventional HMO health plan. What do you recommend I do?

$ ?s: Am I On Track to Retire at 65?
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I’m turning 45 this year and the reality is hitting me that I am now about halfway through my working career. Am I on track to retire at age 65?

Money ?s: Shorting Uncle Sam’s Debt
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Q: Is it now time to short Treasuries? What do you think about using inverse ETFs to play the inevitable bear market for U.S. bonds?

Mailbag: Which is Better, Vanguard Mutual Funds or ETFs?
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There are four minor advantages to using exchange traded funds instead of mutual funds.

Money Questions: Benchmark Your Retirement Savings
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Q: I just hit the big 5-0, and my retirement date is now in the foreseeable future. How do you suggest I assess the performance of my 401(k) and investment accounts? Do you have any benchmark recommendations? I would like … Read More

Mailbag: Is There a Certain Roth You Recommend?
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I’m in my 20s and I’m just getting started in the working world. I’m also looking at a Roth IRA. Is there a certain Roth you recommend?

Mailbag: Which of These 401(k) Investment Choices Do You Recommend?
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I’m in my 20s and I’m just getting started in the working world. Which of the attached 401(k) investment choices do you recommend?

Mailbag: Which Investments Should I Fund First?
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I’m in my 20s and I’m just getting started in the working world. I would love to start funding my Roth and 401(k), but I have no idea where to begin!

Money Questions: Fleeing to Fixed Income
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What advice do you have for someone who is considering a strategy shift toward fixed income?

Money Questions: Insights on I Bonds
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Q: I am receiving some extra cash as a result of maturing CDs. I want to make a safe investment that is protected against future inflation. We do not need this money, and so I am interested to know what you think of purchasing I bonds for our grandchildren. I have heard they can be tax free if used for college.

$ ?s: Divorced Spouse Social Security Benefits
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Q: My husband and I divorced several years ago, and I am about to turn 62 in December. Since my ex-husband (he’s a year older) and I parted ways, we don’t talk. Can you please explain the Social Security benefits due to a divorced spouse?

Test Before You Invest
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Q: I am 53 years old and have never invested in the stock market. I have inherited $150,000 from a family member, and my son is recommending that I invest this money in the market. Do you agree?

Mailbag: Should I Buy Puts If I’m Worried About the Market?
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Won’t this hedge the markets and protect me in case the markets go down?

Mailbag: What Should I Do About a Class Action Lawsuit Against One of My Mutual Funds?
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Is it worth it to file all the paperwork just to collect a few buck?

Money Questions: Tips for College Freshmen
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Q: Our son is headed to Virginia Tech as a college freshman. When it comes to finances, he’s clueless. What financial advice should we offer before we drop him off?

Mailbag: How Can There Be More Sellers Than Buyers?
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How can there be more sellers than buyers? Who are those “extra” sellers selling to?

Green Gift$ For The Holiday Season
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Capitalizing on tax savings can allow you to be even more generous in years to come.

Retirement Savings 101: Self-Employment Options
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An individual 401(k) (also known as a “solo 401(k)”) offers you the option to defer the first $16,500 of income.

Retirement Savings 101: Priorities
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With the income tax debate currently controlled by legislators advocating even higher rates, I don’t think you will regret having some tax free money.

Keeping Expenses Low While Building Your Portfolio
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Sand can be used to further diversify your portfolio.

VRS: A Bird in Hand or Two in the Bush?
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Many people in this situation would choose the quick cash.

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