
Although it is unfortunate that you do not have access to an employer-sponsored retirement plan, you’re far from alone. You mention having individual retirement accounts, but you could look into opening a Roth IRA, which is funded with after-tax dollars. “I would start there,” said Chris Hardy, a certified financial planner at Paramount Investment Advisors.

Ah, "Carnival." The name conjures smiles. And some cruise lines are about to resume trips. So is this a good time or bad time to invest in Carnival?

The U.S. stock market is nearing a top, according to a leading indicator that is based on the trailing three-month returns of the S&P 500 (SPX) sectors. Over the three months prior to past bull-market tops, a fairly predictable pattern emerged of which sectors performed best and which fared worst. This is a big change since mid-May when, as I reported, this leading indicator was not detecting any signs of imminent trouble.

My intent, upon death, is to leave my Roth IRA funds to my spouse, my sister, and my two nephews. Currently I have only one Roth account. In order that my spouse can simply treat her Roth inheritance funds as her own, should I set up two different Roth accounts; one for my spouse, and the other to be shared between my sister and my two nephews or perhaps it does not matter?
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