The Blog at ​​​Wiegand Financial

How to not run out of money in retirement

The last three years have made this perennial question more urgent than ever: how do I know my retirement savings will be enough? Read more
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How to invest in an HSA – and why you should

the tax advantages of an HSA make it a great option for retirement saving
Most of us don't think to invest in an HSA and instead treat it as emergency savings. This could be a mistake, however. Read more
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The Ten Commandments of Portfolio Protection

The financial landscape is still full of uncertainty, so here are some perennial investing principles for good and bad times alike. Read more
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Should you pay off debt with your IRA?

pay off debt with IRA example projection
Ideally you will only use your retirement savings for, well... retirement. But perhaps a ton of high-interest debt is the exception? Read more
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Will a trip to Disneyland torpedo your retirement?

There is a hazy but nonetheless widespread idea that every kid should get to go to Disneyland at least once. Is that realistic? Read more
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How to time your IRA rollover

If you're looking to roll over a 401(k) into an IRA, should you wait for the market to be up, or down... or neither? Read more
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Target-date funds: a little too easy

Target-date funds can be a great fit for some investors because of their convenience. But convenience always comes with a price. Read more
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How to kickstart your kids’ investing

When my kids (ages 10, 9, 2, and baby) are old enough to start investing, the first account I will encourage them to open is a… Read more
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The investment “rule” you should actually ignore

the rule of 100 claims that age should determine how your portfolio is allocated
Sure, we all know that rules of thumb are imprecise and should not be viewed as ironclad laws. But this one is frankly garbage. Read more
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When to spend your dividends

If you invested $10k in AAPL in 2012, reinvesting dividends would have earned you $9,370 more than just holding the shares.
Reinvesting dividends is usually a good idea. But there are instances where it may be more appropriate to take the money and run. Read more
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