Brian Baker

3 weeks ago | bankrate.com | Brian Baker |Brian Beers |Matthew Goldberg |Dayana Yochim

Your 30s is a time to clarify your financial goals and start ramping up your savings, aiming to set aside 10-15 percent of your income. Choose the right tools — a workplace retirement plan and an IRA — to put your money to work. With decades until retirement age, people in their 30s can afford to be more aggressive investors, even in a volatile market. Your 30s are when a lot of things start coming together. When you reach your 30s, life starts to become a balancing act.

1 month ago | timesdaily.com | Brian Baker

Suze Orman is one of the most well-known financial advisers in the U.S. and has been offering Americans advice on saving for retirement for decades. kAm~C>2? 8@E 96C DE2CE H:E9 |6CC:== {J?49 :? E96 `hg_D 367@C6 6G6?EF2==J 7@F?5:?8 96C @H? 7:C>] $96 92D HC:EE6? D6G6C2= 3@@<D @? 7:?2?4:2= A=2??:?8 2?5 9@DE65 2 D9@H @? r}qr 7@C >@C6 E92? 2 564256] $96 4FCC6?E=J 9@DED $FK6 ~C>2?’D “(@>6? 2?5 |@?6J !@542DE]”k^AmkAmx7 J@F’C6 =@@<:?8 7@C 25G:46 @? A=2??:?8 7@C C6E:C6>6?E[ 6IA6CED =:<6 ~C>2? 42?

1 month ago | timesdaily.com | Brian Baker

Deciding when to start taking Social Security benefits is one of the biggest questions retirees face. The truth is that the right answer will depend on your unique financial circumstances, but there are some general guidelines that can help you think through the decision. kAmx7 J@F’C6 =@@<:?8 7@C DA64:7:4 25G:46[ :E >2J 36 96=A7F= E@ H@C< H:E9 2 7:?2?4:2= 25G:D6C] %96J 42? 96=A J@F F?56CDE2?5 J@FC @G6C2== 7:?2?4:2= D:EF2E:@?

1 month ago | bankrate.com | Brian Baker |Erin Kennedy

Exchange-traded funds, or ETFs, are one of the most popular ways to invest. ETFs allow investors to hold a basket of securities in a single fund and trade on an exchange throughout the day like stocks. Many ETFs also come with low expense ratios, which means more of the return ends up in the pockets of investors. Fund companies launch new ETFs periodically in the hope that they’ll attract assets from investors and generate fees for the manager.

1 month ago | news4sanantonio.com | Brian Baker