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Insightful Articles

To Keep You Informed

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Client Question: Should I Consolidate My Retirement Accounts?

Most people hold several different jobs over the course of their careers. In fact, the Bureau of Labor Statistics reports that by the time the youngest baby boomers reached age 58, they had worked an average of 12.9 jobs in their adult life. It makes sense, then, that after decades of working and saving for retirement, your nest-egg-in-progress may be scattered across multiple accounts. Add together workplace retirement plans from former employers, a couple of IRAs you opened on your own and perhaps one you inherited, and you may find yourself juggling more accounts than you intended.

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A Guide to Thoughtful Spending

It has never been more tempting to spend money. Every day, we’re pressured to buy something, whether through traditional ads, targeted recommendations or the curated lifestyles of online influencers. The messages are constant and persuasive. Financial professionals like us spend a lot of time talking about how to save. But knowing how to spend well is equally important. And for many, spending is surprisingly fraught, wrapped up in behavioral biases and the psychological imprints of past experiences.

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