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Sorry for not being more clear - our trust is a living revocable trust. I'm just wondering what the benefit is of setting up the account in the trust vs. specifying the trust as a beneficiary or allowing the will to pour over the assets into the trust.

My husband and I have written our wills and established a trust. Our lawyer has recommended we put any assets we can into the trust including savings accounts and taxable investments. However, it seems more difficult to deal with accounts in trust - opening accounts often has to be done via paper fo...

Thanks all for the advice. TD Ameritrade is offering $400 for my taxable account and $100 for each IRA account but they can't offer any free trades to sell my existing mutual funds. Trying to decide if I should stay (seems like I still have to go through a process to transfer from the institutional ...

I've found that mortgage brokers can beat rates direct from the bank. But I usually have to push them for the best rate by providing an online quotes. Ask your broker for today's rate and then compare to a few online sites like Amerisave. Brokers have some flexibility as they can credit you some of ...

I'm finally ready to let my financial advisor go and implement a Boglehead portfolio. Now I'm just trying to figure out the best way to do it to minimize transaction costs. Currently, our assets are with TD Ameritrade Institutional scattered across several dozen mutual funds. I could have the accoun...

I also switched from HSBC to Ally. Just make sure to wait until they pay interest on the prior month before closing the account. I lost some unpaid interest for the month because I closed the account at the wrong time.

Thanks all - I decided on the UT plan. I like being able to set a custom AA that changes over time - set it and forget it!

Interesting - I never thought about after tax contributions to my 401k plan! Unfortunately, my plan does not allow in-service withdrawals except for cases of hardship, military service, or to withdraw rollover funds. :( Any other thoughts on my investment plan overall (AA, tax efficient placement, e...

Any recommendations on which 529 plan is best when there is no state deduction? NY seems to have the lowest fees but I don't like the big changes in the aged based AA every 5 years. Should I just go with a state that has an AA that I like and reasonable fees (under 0.3%)?

Have you checked your 401k for after-tax contributions and in-service withdrawals? All 401k contributions are pretax. Is there benefit to making after tax contributions instead of contributing to a taxable account? I'm not sure about in service withdrawals - what would be the benefit of this? Would...

Thanks in advance for reviewing this post. Our current investments are scattered across quite a few mutual funds thanks to the financial advisor we hired. Rather than show the current allocations, I'm including my proposed allocations for review. Before we let our advisor go, I'm hoping a few experi...