To most investors the differences between an ETF and mutual fund aren’t readily apparent.  They both hold selections of individual investment securities; however, there are important distinctions in how they are constructed and how they trade.  Selecting one over the other depends on several factors including time horizon, tax considerations and investment strategy.

Here is a simple truth about money:   In order to get where you want to go, you have to know where you are.
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​When it comes to personal finance, knowing "where you are" means tallying your net worth (what you own minus what you owe) and calculating your cash flow

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​The Secure Act (Setting Every Community Up for Retirement Enhancement) is the broadest piece of retirement legislation passed in 13 years, in an effort to address the alarming fact that 25% of Americans have no retirement savings at all.  It may appear at first glance that many of the provisions may not have a direct effect on your situation.  However, there can be tax, estate planning and income planning considerations.
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