Thinking ahead about how investing can support financial goals is the purpose of planning. Naturally, there’s lots of talk about common planning targets: retirement and college. But there’s also consideration of how to achieve multiple goals at various stages of life — whether covering basic needs or leaving a legacy — and how taxes and tax planning could impact results. Articles in the planning category allow you to clarify how today’s decisions can impact efforts to grow, manage, and maintain wealth.

Roth IRA Rules and How They May Benefit Investors

The Roth IRA has rules that benefit investors of all ages.

If you’re young and need extra cash, you may be able to extract Roth IRA contributions (tax- and penalty-free) to pay for a new house, car, or bicycle; if you’re retirement age, you may be able to withdraw money without paying taxes. Plus, there are beneficial rules for those who are between starting out and spending down assets.

Why (and How) to Engage a Financial Adviser

Recently, I wrote a series on financial advisers. I shared my bad experiences and covered many of the worst practices of financial advisers.

Not all financial advisers are predatory and dispense generic or lousy advice. But to get my money’s worth in terms of fees and commissions, I realized that I need to choose an adviser carefully and make sure my choice doesn’t overreach his or her boundaries in terms of professional expertise and credentials.

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