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Useful Articlesand Resources
How Do I Rebalance My Accounts
By Jay Zigmont | Sep 5, 2025
Rebalancing your retirement accounts keeps your investments aligned with your goals and risk tolerance. Whether manually adjusting your portfolio or relying on a target date fund, staying on top of allocations ensures your savings grow steadily over time.
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401(k) vs. 403(b): Everything You Need to Know About Employer-Sponsored Retirement Plans
By Jay Zigmont | Sep 4, 2025
Employer-sponsored retirement plans like 401(k)s and 403(b)s are powerful tools for building your future. Contribute early, take advantage of employer matching, and let compound interest work for you—no matter where you are in your career, it’s never too late to start.
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Roth vs. Traditional Retirement Accounts: What’s the Best Choice for You?
By Jay Zigmont | Sep 4, 2025
Choosing between a Roth and traditional retirement account comes down to when you want to pay taxes—now or later. Your income, future tax bracket, and retirement goals will determine the best fit.
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Roth Conversion 101: Should You Make the Switch? Here’s What You Need to Know
By Jay Zigmont | Sep 4, 2025
A Roth conversion lets you move money from a traditional IRA or 401(k) into a Roth account—paying taxes now in exchange for tax-free growth and withdrawals later. It can be a smart move if your income is lower this year or you want more flexibility in retirement, but it comes with upfront tax costs.
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Taxable Investment Accounts: The Flexible Way to Invest Without Retirement Restrictions
By Jay Zigmont | Sep 4, 2025
Taxable investment accounts don’t come with the tax perks of retirement accounts, but they offer flexibility, no contribution limits, and easy access to your money—making them a smart option once you’ve maxed out retirement savings.
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Are You Taking Too Much Risk with Your Investments? Here’s How to Tell
By Jay Zigmont | Sep 4, 2025
Risk tolerance is about knowing how much market volatility you can handle without losing peace of mind. If your investments are keeping you up at night, it may be time to scale back, reassess, and find a strategy that fits your comfort level and long-term goals.
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Target Date Funds: The Hands-Off Retirement Investment You Need to Know About
By Jay Zigmont | Sep 4, 2025
Target date funds make retirement investing simple by automatically adjusting from aggressive to conservative as you near retirement. They’re a convenient, hands-off option found in 401(k)s, IRAs, and more—but whether they’re right for you depends on your risk tolerance and goals.
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Unlocking the Simplicity of a Three-Fund Portfolio: Your Path to Smart, Low-Cost Investing
By Jay Zigmont | Sep 4, 2025
A three-fund portfolio is a simple, low-cost way to invest for the long term. By dividing your money between U.S. stocks, international stocks, and bonds, you get instant diversification without the complexity of picking individual investments. It’s flexible, easy to manage, and keeps fees low—making it a smart alternative to target date funds for hands-on investors.
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Pensions: What They Are and How They Can Fit into Your Retirement Plan
By Jay Zigmont | Sep 4, 2025
Pensions may be rare today, but if you have one, they can be a powerful piece of your retirement plan. Learn how pensions work, why they’re disappearing, and the choices you’ll face if you’re lucky enough to have one
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Navigating Gig Work: Key Financial Tips for Childfree Entrepreneurs
By Jay Zigmont | Sep 4, 2025
Thinking of turning gig work into a financial win? Discover the must-know tax, insurance, and retirement hacks every Childfree entrepreneur needs to thrive. Without these, side hustles could cost you more than you earn.
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