There's still time to fund your 2018 IRA contribution and receive the Tax Benefit if you've not yet filed your 2018 return. Longer life spans and potentially lower investment returns mean you need to save more to cover your retirement needs. The exact amount you should be saving depends on your age and spending needs, but a good rule of thumb is to save at least 10% to 15% of your pre-tax income each year. As a Registered Investment Advisor my only interest is my clients succ

Caveat emptor is a Latin term that means "let the buyer beware." Similar to the phrase "sold as is," this term means that the buyer assumes the risk that a product may fail to meet expectations or have defects. After 35 years of investing experience I've seen lots of changes. From my early days with PaineWebber where I weathered the October 1987 stock market crash to the transition to online trading and rapidly declining transaction costs. These declining fees and changes in