Personal Finance Advice and Commentary

The 2008 stock market crash is fresh in the minds of many Americans of every age who are saving for retirement.

I’ve been avoiding writing retirement planning blogs about surveys that tell us what we already know.

If you’re maxing out your 401(k) — getting every penny of the available employer match — you might want to consider opening an individual retirement account. Or better yet, if you don’t make too much money, save in a Roth 401(k), says Doug Zarookian, manager of  Charles Schwab’s Park Avenue office in New York. Zarookian