Gardner For News Today

It’s a decision we all need to make when investing in our retirement plan: Should we take the Roth or the traditional option?

It’s a decision we all need to make when investing in our retirement plan: Should we take the Roth or the traditional option?

You don’t meet too many people who will admit to taking a passive approach to life, especially in Boulder County with all of our business startups and uber athletes. The word “passive” implies languid days on the beach, disinterest, and an overall lack of vigor. Active, on the other hand, projects industriousness, insight, and dynamism. Not only can we use active and passive as words to describe human behavior, but we can also use them to categorize investment approaches.

With the end of the year closing in, your mailbox (and email inbox) is probably filling up with reminders from your favorite charities. The end of the year is a natural time for not-for-profits to reach out. It is the season of giving, after all. There’s also the side benefit of the promise of tax […]

With the new year almost here, a fresh technique to repurpose college savings accounts and move them into a tax-free Roth IRA will soon become available. When I first heard about this new rule that was part of SECURE 2.0, it sounded too good to be true. Who wouldn’t want the opportunity to move funds that are limited to education spending to a Roth IRA, which offers the promise of a lifetime of tax-free growth? Sure enough, there are many caveats to follow and pitfalls to be avoided, but ultim...

While I don’t want to minimize the challenges of lower income workers saving for retirement, in many ways higher earners face a bigger slog. Don’t get me wrong, if you make a good income there are steps you can take to be financially independent earlier than traditional retirement age. Those with lower incomes can find it a challenge just to make ends meet let alone save for retirement. If you have a higher income, it’s important to recognize the impediments to putting aside enough to stop...

It’s a decision we all need to make when investing in our retirement plan: Should we take the Roth or the traditional option?

Last year, financial geeks across the country squinted their eyes at the clunky TreasuryDirect website to purchase I savings bonds, which were a screaming deal at the time.

Last fall, the artificial intelligence application ChatGPT was released to the masses. Soon after Google released its AI app, Bard and Microsoft made available similar features in its Bing application. I started testing the apps for travel first, helping to decide between destinations and putting together sample itineraries for a trip. It got me thinking, […]

With the passage of the Inflation Reduction Act last year and the availability of new enhanced  Colorado EV credits this year, this may be the best time in years to purchase an electric vehicle.