Once you establish a donor-advised fund, you have the flexibility to contribute as often as you like. By Marisa Otto Marisa Otto Once again, it’s the season of generosity. In addition to considering gifts for [...]
When you take your RMDs, you need to be aware of a key issue: taxes. By Marisa Otto Marisa Otto You may spend decades contributing to various retirement accounts But for some accounts, such [...]
Avoid a get-rich-quick strategy in your investments By Marisa Otto Marisa Otto You’ll find some big differences between traditional and speculative investments — and knowing these differences can matter a great deal when you’re [...]
If you have grandchildren, you could contribute to a 529 education savings plan for them. By Marisa Otto Marisa Otto As a Morgan Hill parent, you naturally want to help your children. But is it [...]
Diversification can help protect you against the effects of interest-rate movements By Marisa Otto Marisa Otto Most investors are aware of the different types of stocks: big-company, small-company, technology, international and so on. And [...]
Recency bias may cloud your expectations about your investments’ performance By Marisa Otto Marisa Otto To help achieve your financial goals, you may need to invest in the financial markets throughout your life. However, at [...]
You can reasonably expect some benefits from Social Security when you retire. By Marisa Otto Marisa Otto If you’re getting closer to retirement, you might be thinking more about Social Security. Specifically, can you count [...]
Under any circumstances, it’s a good idea to build an emergency fund By Marisa Otto Marisa Otto Many people plan to take an early retirement, so when that day arrives, they’re ready for it. But [...]
If you’re unprepared for the IRMAA, it can be an unpleasant surprise. By Marisa Otto Marisa Otto Before you turn 65, you’ll want to become familiar with Medicare’s rules and features. And if you’re a [...]
If you’re unprepared for the IRMAA, it can be an unpleasant surprise. By Marisa Otto Marisa Otto Before you turn 65, you’ll want to become familiar with Medicare’s rules and features. And if you’re a [...]