David's Personal Finance Roundup - November 2017
David’s Personal Finance Roundup – November 2017

When I launched The Astute Advisor personal finance site, I was excited to reach a much broader audience. But I’ve always believed that the blog shouldn’t be my voice alone. I’m convinced my readers will benefit by hearing from other financial professionals too. Here are some articles that are worth a read.


Discovering Your Values

Have you ever taken the time to discover your values? Russ Thornton is a Certified Divorce Financial Analyst and author of Wealthcare For Women. We’re all sure that we have values but do we really know what they are? This article will help you identify the ideas and concepts you have about money and why it’s important to you.

Health Savings Accounts – The Other Retirement Plan

A Health Savings Account (also known as HSA) is a powerful account that should not be ignored. These were created in 2003 to provide special tax treatment for those with high-deductible health insurance plans. Not everyone is eligible for a Health Savings Account, but if you are, you should really give it a solid look. Roger Wohlner, a fee-only financial planner, provides some actionable tips on how you can utilize an HSA as a retirement planning tool. Roger is a frequent contributor to various financial publications and is the author of The Chicago Financial Planner personal finance blog.

For more about HSA plans read Health Savings Account – Not To Be Ignored.

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The Future of Robo-Advisors; Are Small Independent Robo-advisors and Human Advisors Doomed?

Robo-Advisors have been getting a lot of attention recently. While their growth in assets and venture capital investment is impressive, their benefit to retail investors beyond low fees continues to be hotly debated. Barbara A. Friedberg, MBA, MS of Robo-Advisor Pros and Barbara Friedberg Personal Finance takes a look at the future of both Robo-Advisors and traditional investment firms.


Spousal Rollover And Stretch Rules For Inherited Traditional And Roth IRAs

There is so much more to retirement accounts than investments and special tax advantages. Those who have been investing in these accounts for many years have the opportunity to become familiar with how they operate. However, what about those who inherit these accounts? That is something that may happen only once or twice in a lifetime. For that reason, these transactions need to be handled with great care because the rules can be complex. Michael Kitces is a Certified Financial Planner™ and publisher of Kitces.com  where he writes about personal finance and matters specific to the advisor industry. This article takes a deep dive into the many issues related to inheriting IRAs.

For more information on how funds are inherited from retirement accounts, read IRA Beneficiary Designations – What You Need To Know.

Retirement Savings: How Much Do I Need To Save For Retirement?

Have you saved enough for retirement? Are you doing the best you can to push that thought out of your mind? Kirk Chisholm is a Wealth Manager and Principal at Innovative Advisory Group. In this article, Kirk takes a serious look at the retirement savings crisis while providing excellent insight into how much you need to retire.

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