Blog - Evensky

Market headlines can be overwhelming, especially in times of uncertainty. At Evensky & Katz / Foldes, we understand that economic shifts, policy changes, and market fluctuations can trigger real concerns about your financial future. In the letter below, our Chief Investment Officer, Lane Jones, shares insights on the current market environment, the impact of recent…

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Career Retirement Planning

Why You Should Value Working for a Company That Offers Retirement Benefits
- Scott DeCecchis
Not too long ago, I had a conversation with a business owner who surveyed employees about what they valued most in their compensation package. The list included healthcare, 401(k) benefits, and work-from-home flexibility. Surprisingly, the 401(k) plan didn’t come out on top. While this might seem understandable, especially for younger employees who have more pressing…
Family Planning

Smart Financial Planning for the Sandwich Generation
- Michael Antczak
Introduction: Balancing Family and Finances Managing the financial needs of growing children and aging parents while planning for your own future can feel overwhelming. This dual responsibility is the hallmark of the Sandwich Generation, a group navigating complex financial obligations spanning multiple generations. With thoughtful planning, it’s possible to balance these demands without compromising your…
Business Owners Career

Understanding Backdoor Roth and Mega Backdoor Roth Strategies
- Scott DeCecchis
Maximizing Your Retirement Savings: What High Earners Need to Know For employees aiming to optimize their retirement savings—especially those with higher incomes—traditional contribution methods may not always be enough. This is where advanced strategies like the Backdoor Roth IRA and Mega Backdoor Roth come into play. These options provide a way to grow tax-free retirement…
Estate Planning Family Planning Tax Planning

Secure Your Legacy: Why Naming a Beneficiary for Your 401(k) Matters
- Scott DeCecchis
When you participate in a 401(k) plan, you’re taking a significant step toward securing your financial future. But there’s an equally important, often overlooked, aspect of managing your plan: naming a beneficiary. This simple action ensures your loved ones are protected and minimizes complications if the unexpected happens. Here’s why it matters for both you…
Financial Literacy & Fundamentals Market Insights

Ways to Talk Yourself off the Ledge When the Entire Market Seems Like it’s Falling to Pieces
- Roxanne Alexander
Nobody likes to see their investments decline, especially during retirement when going back to work may not be an option. The first step is not to panic. Staying calm and rational can help you make better decisions. Market volatility is normal, and remember, markets can shift quickly in the other direction. In fact, 70% of…
Market Insights

Our Prediction Addiction
- Marcos A. Segrera
If you’ve ever felt the thrill of calling the market right—or the sting of getting it wrong—you’re not alone. As humans, we have an innate desire to predict, to control, and to feel like we’re ahead of the game. But here’s the hard truth: predicting the market is, more often than not, a fool’s errand.…