Most people working at private companies have a 401(k) plan, and that's it. Those who work at educational institutions or non-profits often have a 403(b) plan, which works more or less the same as a ...
Latest Blog Posts
Fast and Easy Rollover From Schwab 401k to Fidelity IRA
Now that my income isn't too high that requires a backdoor Roth (having pre-tax money in a Traditional IRA interferes with it), I finally rolled over my 401k from the former employer to an IRA. The ...
Choose Your Investments and Your Accounts Separately
[Rewritten after major online brokers all lowered their commissions for online ETF trades to $0.] Your investments and your accounts are two different concepts. You don't "buy" an IRA. Your IRA is ...
Fidelity Retirement Calculator Review
I went to the local Fidelity branch a couple of weeks ago to give them a filled out form for a free international wire transfer. I saw other clients being greeted and led into the offices in the back. ...
When ACA Tax Credit Makes Your Premium Nearly Double Or Go To Zero
A double-digit increase in the annual health insurance premium is no longer news. It will be my third year on ACA health insurance in 2020. I just received the renewal documents from my HMO. The full ...
2020 California ACA Health Insurance Premium Subsidy
Ever since the Affordable Care Act came out, some people who buy health insurance on the ACA exchange have to watch carefully for the premium subsidy cliff. The Premium Tax Credit is cut off at 400% ...