January 16, 2015

The following blog was written by Robert Schmansky, CFP(r) and originally published by Forbes.


One of the reasons that very few retirement savers consider when choosing to invest in their employer retirement plan – yet one that impacts the vast majority of 401(k) inves...

December 28, 2014

The following article was originally published at Forbes on 12/22/14. 


By Robert Schmansky, CFP®


A rule of thumb that savers are often advised to adhere to is that it is important to maximize contributions to workplace retirement planbefore considering investing elsewh...

December 4, 2014

Great question, this is an area I really enjoy making sure people get off saving on the right path. 


Your question involves a number of variables including your current and expected future income, your investment options in your employer plan (your ability to diversify...

July 8, 2014

Brokerages tout 'free' mutual funds, "no transaction-fee funds" and advice. Though as we know, nothing in the world is free.


In this month's Money Magazine Ian Salisbury covers how to implement a 401(k), 403(b), 457, SIMPLE, or SEP IRA rollover at a brokerage firm...

December 3, 2013

One of the most important aspects of retirement planning that often goes ignored is the structure of investment accounts. Investors are often so focused on saving and maintaining account balances that tax opportunities for changing the nature of the accounts they hold...

December 6, 2012

First off, if this situation applies to you then let me say… “Congratulations!”


You’re doing a great job of saving for your future, and it will be well worth it down the road.

For many, saving to your employer plan may not be enough. You may have progressed in your care...

October 24, 2011

You’ve been contributing diligently to your 401(k), paying down debt, and are starting to wonder if there is something else you could be doing to maximize your investing for the long haul.


Many individuals start to engage in the planning process once they reach a point...

October 5, 2011

If you’ve been contributing to your 401(k) for some time you may have after-tax contributions to your plan. Typically these were excess contributions that were made over the pre-tax limits, however I have come across cases where employees mistakenly placed all of their...

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July 17, 2019

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Detroit, Ann Arbor, and online fee-only, fiduciary financial advisor blog / podcast on retirement, investments, economy, taxes, 401k, 403b, Roth, IRAs

online fee-only fiduciary financial advisor blog robert schmansky

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