The end of this life is death. At death, the most efficient assets to own (asset location: tax free) currently are life insurance and Roth accounts.

Generally, people reach out to a financial planner for one of two reasons...

Where do you go when you need to access money?

Let’s consider that you are contributing to your companies Roth 401k and you do so for a number of years. Eventually, you decide to retire at age 62.

In the past several weeks, I have worked with individuals who have had MAJOR announcements regarding their employer retirement plans.

401k’s and IRA’s have different rules when it comes to taking penalty-free withdrawals. The more common rule is that you must obtain age 59 ½ to avoid the 10% early withdrawal penalty from an IRA.