The current market and economic conditions are examples of why I stress financial planning as the cornerstone of any investment decision, retirement plan and business continuity strategy. Trying to time the market is nearly

Roth contributions to 401(k) and 403(b) retirement plans became available on January 1, 2006. Unlike traditional, before-tax contributions, Roth contributions come from income that has already been taxed. That means qualified withdrawals from Roth accounts, including earnings, will be free from federal

A 403(b) plan is retirement savings plan available for employees of public educational institutions and specific tax-exempt organizations as determined by Section 501(c)(3) of the IRS Code.