99% of the time, I say yes. Before I started working for myself, I had two previous jobs. In both cases, I rolled over my 401(k) into a Rollover IRA at Vanguard. I did this because Vanguard offered better and cheaper investment options compared to my previous employers’ plans. Vanguard doesn’t charge annual maintenance or administrative fees, which both of ...

Vanguard Personal Advisor Services Strengths Complimentary consultation & plan Low management fee (0.30%) Uses low cost Vanguard funds Weaknesses Plans only offer Vanguard funds When it comes to Vanguard, it’s no secret I’m a fan. One of my first brokerage accounts was with Vanguard, back in 1998, and I could thank my dad for telling me about them (and the ...

One of the fascinating parts about the stock market is that practically everyone with an opinion about it is, more or less, right. Is it a good way to build wealth? Yes. Can it ruin fortunes? Also, yes. Is it a Ponzi scheme? Kind of, in the sense that part of the reason it keeps going up is that there’s ...

As long as there’s been money, there have been folks scheming up ways to steal it. And throughout history, these folks have been celebrated. Everyone loves an exciting story and nothing is more exciting than a bank robbery! You have the most famous ones, the bank robbers, and the likes of Bonnie and Clyde, Billy the Kid, Patty Hearst, and ...

When it comes to running a business, you have to make a lot of decisions. Most of them involve how you’re going to run and grow that business. One of the decisions you probably never thought about as an employee (but changed when you became a business owner) has to do with your retirement plan. When I was working a ...

What if I told you there was an investment with a government-mandated guaranteed rate of return? You probably would say – “Thanks Jim, but I’m not a dummy and I know about certificates of deposit and they’re super boring.” (they’re also super safe!) If you could read the title of this post, you probably already know the answer: tax liens ...

A few years ago*, I purchased (invested in?) a few Series I Savings Bonds. It wasn’t a significant sum but I wanted to see what it was like. Series I Savings Bonds are inflation-adjusted savings bonds that have a fixed interest rate and an inflation rate that is adjusted twice a year, in May and November. With inflation so low ...

Ratings are everywhere but when it comes investments, none have the cachet and history of Morningstar ratings. Go to any mutual fund and chances are, if they have a good rating, they will tell you what their Morningstar rating is! For example, Thrivent lists Morningstar ratings of their funds on the Fund Details page for one of their five-star funds, ...

Everyone knows they should be getting life insurance. But more than anything else, the biggest question is how much life insurance do I need? Unfortunately, there’s no quick or easy answer to that question, at least not if you want a reliable number – because everyone has different needs. But to help you determine how much life insurance is enough ...

CrowdStreet Strengths Opportunity to invest in commercial real estate CrowdStreet charges no fees to use the platform High returns Invest in individual properties, investment funds, or a fully managed commercial real estate portfolio Weaknesses Accredited investor status is required High minimum initial investment Lack of liquidity Email customer support only Do you want to invest in real estate but you’re ...

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