Options for Unspent 529 Plan Funds
As spring graduation dates rapidly approach and graduates head off to college in the coming months, it is an opportune time to review the 529 college savings plan .....
Overview of Health Insurance Terminology
As we approach the open enrollment season for selecting health coverage for 2024, many people may be overwhelmed by the available options. Whether it be employer...
Backdoor Roth IRA Contributions for High Earners
In the middle of the tax filing season for 2022, many investors may wonder about making contributions to a non-employer retirement account for the prior tax year...
Tax Loss Harvesting to Save on Current and Future Taxes by Brian Fritzsche, CFP®, CFA, CRPC®
As several areas of the market continue to make all-time highs, there might not be many assets in a portfolio that have lost money since being purchased. However...
What is an RMD and Do I Need One?
As we approach the end of the year, many investors might be needing to take a required minimum distribution (RMD) from a retirement account, either one that they own...
Capitalization-Weighted Versus Fundamental Indexing by Brian Fritzsche, CFP®, CFA, CRPC®
A key tenet of Moller Financial Services’ investment philosophy is to utilize index funds to get low-cost exposure to the various asset classes that make up an investment...
Overview of Retirement Plans for Small Businesses by Brian Fritzsche, CFP®, CFA, CRPC®
According to a 2020 J.P. Morgan survey, just under 50% of small businesses offer a retirement savings plan to employees. Another survey shows that less than 30% of businesses...
What Are TIPS and Where Do They Fit in a Portfolio? by Brian Fritzsche, CFP®, CFA, CRPC®
As headlines concerning inflation seem to be swirling in the news, investors may wonder if there is any way to protect against the risk of higher-than-average inflation.
Using Health Savings Accounts to Plan for Retirement
As we are amid open enrollment season for 2021 workplace benefits, the Health Savings Account (HSA) is an often misunderstood and underutilized savings and investment vehicle that warrants exploration.
Roth Conversions in Bear Markets
Named after Senator William Roth, the Roth IRA is a unique type of individual retirement arrangement (IRA) that was introduced by the Taxpayer Relief Act of 1997.
Why Should We Diversify?
After a year in which the S&P 500 rose over 30% and U.S. stocks continued to outperform their international counterparts, it can be tempting to focus on the best...
When Should You Refinance Your Mortgage?
Since its recent peak of roughly 3.25% in November of 2018, the yield on the U.S. 10-year Treasury note has steadily fallen to a mid-October level of around 1.75%.
