Michael Maye is the founder and president of MJM Financial Advisors (www.mjmfinadv.com), a registered investment advisory firm in Berkeley Heights, N.J. He is a member of the National Association of Personal Financial Advisors (NAPFA) and has been a speaker covering tax topics at NAPFA's national and regional conferences. Maye has also been a frequent contributor to the Star Ledger of New Jersey's "Biz Brain" and "Get With the Plan" articles. In addition to NAPFA, he is a member of Financial Planning Association, American Institute of Certified Public Accountants, New Jersey State Society of CPAs and the Estate Planning Council of Northern New Jersey.
Those trying to invest for retirement with no risk are unwittingly sabotaging their savings without also looking at inflation and longevity.
Having fewer accounts will make it easier to keep tabs and manage your money.
Younger workers may sign up for the obvious programs, such as the health plan, but ignore others.
Determining a personal cash flow is critical; it sets the foundation of a person's financial future.
Patient, slow growth investing isn't as sexy as picking the next Google - but if you're in your 20s, keeping things simple can pay off big.
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