Retirement Planning Archives

Backdoor Roth IRA Contributions: An Awesome Opportunity for High-Earners

The Roth IRA is one of my top three favorite types of accounts for retirement savings due to the many long-term tax benefits Roth IRAs provide. Unfortunately, contributing directly to a Roth IRA isn’t available to everyone. If you either don’t have enough earned income or your income, in general, is too high, you will not be able to contribute directly to a Roth IRA. For those of you high-income earners who make too much, there is a nice little planning workaround to consider.

Sustainable Investing: Impact the Planet Using Your Retirement Portfolio

With all of the talk these days about climate change and what can be done, as a society, to lower our greenhouse gas emissions, I want to dive deeper with you into sustainable investing and what it might look like for you to invest sustainably. If you’re at all concerned with the evidence in favor of climate change that you’ve been seeing in the news lately and you are investing for retirement (which, if you’re a LifeSighted blog reader, you know you should be doing!), it’s worth understanding what sustainable investing is, why you should be investing sustainably, and how to go about investing sustainably.

5 Financial Planning Tips to Turn Your Small Business Income into Personal Wealth

People have many reasons for why they would want to start their own business — following passions, creating a better work/life balance, choosing the people they want to work with (or for), just to name few. The motivation I hear most often, though, is that they want the control over their own destiny and income that owning a business provides (whether that business is a “side hustle” or their full-time source of income).

5 Signs Your 401(k) Plan is Not Very Good

Not all 401(k) plans are created equal. Hidden fees are rampant in today’s 401(k) marketplace, and if you have a bad 401(k) plan, you may want to do some research before blindly maxing out your 401(k) contributions. But how do you know that you have a crummy 401(k)?

Investment Technology and You – Comparing to a Traditional Advisor

I recently had a friend ask me how he could trust that a financial planner would be better than either robo-technology or him at picking a portfolio allocation and managing his investments over time. Since I imagine other people, like you, have the same question he does, I’ll share my answers to both my friend and you here.

Traditional vs. Roth 401k: Which is Best for You?

Roth 401(k) and 403(b) accounts first hit the retirement plan market in 2006, but have only recently been more widely adopted by employers as an offering to their employees. While potentially another great option for you to save more for retirement, choosing between a Traditional and a Roth 401(k) adds yet another decision for you to make in your financial life. So together, let’s decide which is right for you.

Articles - Retirement Planning

Backdoor Roth IRA Contributions: An Awesome Opportunity for High-Earners

Sustainable Investing: Impact the Planet Using Your Retirement Portfolio

5 Financial Planning Tips to Turn Your Small Business Income into Personal Wealth

5 Signs Your 401(k) Plan is Not Very Good

Investment Technology and You – Comparing to a Traditional Advisor

Traditional vs. Roth 401k: Which is Best for You?

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