Blog

Before you ask whether now is a good time to invest, ask when you need the money. A dollar you need next year and a dollar you need 25 years from now have different jobs to do.

Some investments create value through earnings, rent, interest, or cash flow. Others only work if someone else pays more later. If you’re within 5 years of retirement, knowing the difference matters.

A backdoor Roth IRA sounds simple until pretax IRA money gets involved. If the rollover, Form 8606 history, pro rata rule, and December 31 IRA balance do not line up, the tax result can look very different from what you expected.