A smarter way to protect your retirement cash. Shifting From Dividend Income to Long-Term Capital Gains If you are a retiree or a die-hard dividend investor, there is an undeniable comfort in watching regular cash land in your account. It feels like the ultimate safety net, especially when the stock market gets volatile, and you start worrying about a looming market correction.

Complexity, Not Balance, Should Drive Your Fee Another dimension of the big-firm model rarely gets discussed. AUM models charge clients the same amount for a given level of assets, even though one client may have a much more complicated financial situation than another.

If that sounds familiar, you're in very good company. The data backs this up: four in five Americans have anxiety about their financial situation, with 34% experiencing moderate or severe anxiety, according to a Discover national survey. And that anxiety has a direct behavioral consequence: 37% of Americans have shielded their eyes from their bank account balance or bills as a result of financial anxiety,