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Evidence-Based Investors Approach Investing Differently

Written by Brian Puckett, CFP®, CPA/PFS, Attorney at Law.

We have a deep commitment at our firm to what is known as evidence-based investing. When it comes to helping our clients build and protect their wealth, we think data win out over intuition every single time. But what exactly does evidence-based investing mean, and why does it matter?

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Retirement Savings: A Little Goes a Long Way

Written by Brian Puckett, CFP®, CPA/PFS, Attorney at Law.

A recent study by Merrill Lynch and Age Wave found that the cost of retirement exceeds $700,000 on average, easily surpassing the costs of buying a home or paying for college. While this number probably seems daunting, it may be a comfort to know that setting aside even small amounts of money for retirement can have a big impact on your future nest egg.

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Preparing for RMDs—What You Need to Know

Written by Brian Puckett, CFP®, CPA/PFS, Attorney at Law.

After having saved for retirement for so many years, some people don’t realize that eventually they will have to start taking distributions—or be hit with tax penalties. The rules surrounding these forced withdrawals—known as required minimum distribution, or RMDs more colloquially—are not new or complicated. But they are important to understand so you don’t end up paying more in taxes than you have to.

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Thinking About Cashing Out of a Retirement Account Early? Think Again

Written by Brian Puckett, CFP®, CPA/PFS, Attorney at Law.

When the need for extra cash arises, retirement accounts can be easy targets to turn to in a pinch. Consider that almost one-third of participants say they have taken a loan against their plan savings, according to Natixis Global Asset Management’s 2016 survey of U.S. Defined Contribution Plan Participants. Another 28 percent reported having taken a withdrawal from their retirement plan—including 41 percent of Millennials.