Ric Komarek, CFP®Thinking of tapping your retirement savings before 59 ½? The 10% federal penalty isn't the only hurdle. For Californians, there's an extra 2.5% penalty to consider. Here’s what you need to know.
Ric Komarek, CFP®Market highs and low yields have many asking if dividends still matter. Here’s why a "total return" focus—on both growth and income—is key to a secure retirement
Ric Komarek, CFP®The Roth vs. Traditional debate is like choosing when to pay tax: on the small seed now, or the big harvest later? Here’s how to make the right choice for you, year by year
Ric Komarek, CFP®Big news for education savings! Recent law changes have made 529 plans more flexible than ever. They can now be used for K-12 costs, skilled trades, and professional certifications. Here’s a breakdown of what you need to know