Fullerton Financial Planning - Tempe

Maximizing your investment portfolio begins with investing as much as you can as early as you can so that you realize the benefits of compounding returns.

While that’s a great beginning, you must also have a defensive strategy to combat the obvious enemies of your portfolio: healthcare costs, inflation and taxes.

Lastly, your portfolio assets must be able to generate income after retirement. Even if this income isn’t enough to pay all your bills, it reduces the amount of cash you have to withdraw each year from savings.

Does your financial plan address each of these? If not, we can help. Fullerton Financial Planning does SMART retirement planning. Contact us today to schedule a meeting to learn more.

If your employer offers both options, which should you choose—the traditional 401(k), or the Roth 401(k)?

The basic difference between the two is when you pay the taxes. With a traditional 401(k), you contribute pre-tax dollars and reduce your current income tax bill. With a Roth 401(k), it’s the reverse: You make your contributions with after-tax dollars and forego any upfront tax deductions.

Variables like state taxes, income level and retirement expectations can all influence which choice is the right one for you. Consult with one of our advisors about your personal financial situation.