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Coach Outlet Online

tomspet

6/25/2013 3:46:00 AM

Clarissa Hitchon and Sean White Ms. Hitchon is also working to eliminate her student loans, with $58,000 remaining of an original $90,000 balance. She pays $800 per month instead of th <a href=http://www.coach-onlinestoreoutlet.com... Outlet</a> e required $600 <a href=http://chaussures-christian-louboutin.weebly.com>... Louboutin</a> in an effort to erase them sooner.The couple hopes to have the financial stability necessary to support children and to sock away more for their retirement. Ms. Hitchon has retirement savings from <a href=http://www.coach-onlinestoreoutlet.com... Outlet Online</a> previous jobs totaling about $16,000. She also has roughly $2,900 in her current employer's plan. Mr. White hasn't begun saving for retirement but intends to start this year. His employer doesn't offer a plan so he'll have to do it on his own. Advice From The Pro: Ms. Hitchon has made a wise move by aggressively paying down her student loans, says Matthew G. Kovalcik, a fee-only certified financial planner with Kovalcik Geraghty Wealth Partners, based in Upper Ar <a href=http://www.coach-onlinestoreoutlet.com... Outlet Store Online</a> lington, Ohio. "By making extra payments on that debt," he says, "she's giving herself a return equivalent to the interest rate." But the couple's current level of savings is "much too low," Mr. Kovalcik says. Between four and six months of expenses would be a more appropriate cushion, particularly if they decide to have a child. To get there, Mr. Kovalcik suggests that Ms. Hitchon pay the minimum on her student loans and put the extra $200 into savings. "Your rate of return isn't quite as good, but the peace of mind of having that <a href=http://www.longchamp-handbag.com/>... Outlet</a> extra money in the bank is worth it," he says. Once they've saved four months of expenses, then Ms. Hitchon can split the $200 a month between their savings account and accelerating her student loan payments. He also suggests that Ms. Hitchon combine the retirement savings accounts from her previous jobs into a Roth IRA. The entire $16,000 will be taxable income this year but is likely to be taxed at a lower rate than she'll be taxed later in her career, he says. The couple should also be socking away 10% of their gross salaries toward retirement, Mr. Kovalcik adds. He suggests they contribute $5,500 to a Roth IRA and the rest through Ms. Hitchon's employer-sponsored plan. When it comes to asset allocation, they might want to think "outside the box" about investments that will provide a hedge against inflation, he says. He recommends considering alternative assets such as real-estate investment trusts or commodities. Caitlin Nish Email:caitlin.nish@dowjones.comA version of this article appeared April 22, 2013, on page R4 in the U.S. edition of The Wall Street Journal, with the headline: After a Costly Year, It's Time To Get Serious About Saving.