Fee-Only Financial Planners—

"If your 401(k) account balance is more than $5,000, you don't have to take it with you right away. It's a better idea to wait until you're ready to roll that money into an IRA, since many employees don't roll their cash into a new plan immediately and could miss out on some of a market rebound."

"Your 401(k) is already a tax-deferred vehicle. It kills me when we see an annuity in a tax-deferred IRA because you doubled up."

“Keep your behavior in check, keep your emotions in check, keep investing.”

“Best interest doesn’t mean anything. Fiduciary means something. It introduces more confusion. I hope the SEC will listen to the adviser community and define ‘best interest.'”

“We’re providing a service that’s unique to each client… To the layman they may seem the same, but they’re not.”

“David O’Brien of Evolution Advisers recommends asking your financial professional to put it in writing if they are a fiduciary to you.”

“Establish a ‘cash bucket’ to help cover any emergency needs. You could refill the bucket occasionally at your discretion—when it’s getting low and when your investment account is relatively high.”

“But owning a second home is often far more expensive and stressful than buyers, or dreamers, imagine. ‘These properties are for family memories, not capital appreciation.'”

“David O’Brien, a certified financial planner, has tried to repair the retirement portfolios of several victims over the years.”