Planning Your Estate? You Need These 3 Documents Now

Evan Gautier

Estate planning is one of those daunting tasks that we tend to put off, even though we know it’s imperative. And who can blame us? Estate planning requires contemplating a number of uncomfortable topics, like acknowledging our mortality and deciding what will happen to our loved ones and belongings after we are gone. If the […]

Published or Updated: June 22, 2016

What is the DOL Fiduciary Rule, and Why Should You Care?

Bill Ryan

Fiduciary [fi-doo-shee-er-ee]: A person to whom property or power is entrusted for the benefit of another. Much has been written recently about the Department of Labor (DOL) and its long-awaited fiduciary rule, formally known as “Definition of the Term ‘Fiduciary’; Conflict of Interest Rule—Retirement Investment Advice.” Released in April 2016, this 1,023 page whopper of a […]

Published or Updated: May 21, 2016

Roth IRA Contribution and Income Limits for 2016

The IRS recently released its 2016 update to income and contribution limits for Roth IRAs. As detailed below, the contribution limits for a Roth IRA are unchanged for 2015—still $5,500. The catch-up contribution for those 50 or older, which is not indexed for inflation, remains $1,000. The income limits to qualify for a Roth IRA, […]

Published or Updated: May 19, 2016

Is a Spousal IRA Right for Your Retirement Savings Needs?

The spousal IRA, also known as the Kay Bailey Hutchison Spousal IRA, is a special provision IRA that is available to spouses who do not work outside the home. It gives such spouses the ability to create and fund their own IRA, even though they do not earn income. This is a powerful advantage for […]

Published or Updated: May 20, 2016

Thrift Savings Plan User? This is the Only Cheat Sheet You’ll Need

Mark Hull

Are you a federal employee or member of the Armed Forces interested in retirement planning? Do you want to take control of your financial future? Are you craving an investment plan that you can manage on your own? You’re in luck because you have access to a great investment program: the Thrift Savings Plan. This TSP Cheat Sheet covers […]

Published or Updated: April 16, 2016

5 Reasons Never to Roll a 401k Into an IRA

A question came in on the Dough Roller Facebook group in regard to rolling a 401(k) plan over into an IRA: “I’ve got a 401K from prior job and 401K from current employer. Between the 2 I’ve got all the funds I need with good fee structure. But, I keep hearing roll the old 401K […]

Published or Updated: April 6, 2016

3 Money Rules that will Guarantee an Early Retirement

Chris Mamula

“I know all the rules but, the rules do not know me. Guaranteed” After listening to the 200th episode of the Dough Roller podcast, I answered the call to be a contributor to the website.  I will share my experiences with building wealth and becoming a DIY investor and tax planner to prepare for our […]

Published or Updated: April 3, 2016

The Pros and Cons of After-Tax 401k Contributions

After-tax 401(k) contributions are unfamiliar to most people since employers don’t typically offer the option. But, some employers do, and after-tax 401(k)’s may be gaining in popularity. We were inspired to write about the topic based on the following question from a reader named Josh: “I just started a new job this week and on the 401(k) […]

Published or Updated: March 4, 2016

Transform Your Retirement with Low-Cost 401(k) Platforms

Bill Ryan

“My employer’s 401(k) choices stink!” It is a complaint heard all too frequently on personal finance forums and among coworkers, especially when it comes to small businesses – and for good reason.  Small business 401(k) plan menus often consist of expensive, actively managed funds that may not have been updated in years, offered by huge […]

Published or Updated: February 26, 2016

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