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Persuading Younger Adults to Save: A Tough Sell

“Be sure to put me down for my usual lecture on how to be a millionaire on a teacher’s salary.” Those startling words came from my major advisor in December 1981 at Ohio University where I was a full-time graduate student in my mid-40s working on my Ph. D degree. He...

Investing in Exchange-Trade-Funds (ETFs)

Twenty-one years ago, January 29, 1993, the world’s first exchange-traded-fund, SPDR S&P 500 (SPY), was launched. Unlike traditional mutual funds that only price once a day when the market closes at 4 p.m., ETFs price continuously throughout the day, trading...

Apples & Oranges

As we enter the tax season, more often than not a handful of clients and do-it-yourself investors will ask the question, “So what’s the difference between a Roth Contribution and a Roth Conversion?” The question usually follows a conversation where the two terms were...