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Hunter Kuffel

Savings, Retirement and Investing Expert

Hunter Kuffel is a personal finance writer with expertise in savings, retirement and investing. Hunter is a Certified Educator in Personal Finance® (CEPF®) and a member of the Society for Advancing Business Editing and Writing. He graduated from the University of Notre Dame and currently lives in New York City.

Posts by Hunter Kuffel:

by Hunter Kuffel Jun 09, 2020

Pensions once held the distinction of the most popular employer-sponsored retirement plan in the country. However, due to the much higher cost on employers, pensions have become significantly less popular, especially for non-government employees. In their place, more employers are offering 401(k)s. Typically employers will offer either a pension or a 401(k), but not both, so it’s unlikely you’ll ever have to choose between the two. However, odds are that you or someone close to you will enroll in one of these plans at some point in your career, so it’s helpful to understand how they’re similar and how they differ. Read more

by Hunter Kuffel Feb 18, 2020

Rolling over your 401(k) plan to a Roth IRA is a taxable event. You’ll have to pay income tax on your contributions, your employer-match contributions and all earnings. Depending on the size of your account, this could push you into a much higher tax bracket, so you shouldn’t proceed before you’ve done the math. You may also want to consult a financial advisor to make sure this move is the right one for you. In the meantime, here’s what you need to know about the two-step process of rolling over your 401(k) first to a traditional IRA and then converting the traditional IRA into a Roth IRA. Read more

by Hunter Kuffel Feb 11, 2021

Although cryptocurrency has only been around for a short time, it’s already expanded into a wide, convoluted universe that can be difficult to understand for the uninitiated. But with Bitcoin and other cryptocurrencies seeing wild fluctuations in price, there’s an opportunity for big gains, if you can stomach the risk. A financial advisor can help you create a financial plan to help you reach your investment goals. Read more

by Hunter Kuffel Apr 02, 2021

With both established brokerages and new companies offering investment apps, the options can be overwhelming. There are apps for every kind of investor, from the beginner just looking to dip a toe in… Read more

by Hunter Kuffel Dec 14, 2018

It’s easy to understand why a Jamaican retirement would be attractive to many people. Anyone who’s enjoyed Jamaica’s beaches, lush greenery and beautiful weather could see the appeal of living out… Read more

by Hunter Kuffel Jul 23, 2019

Germany has become a popular destination for American retirees due to its reasonable costs, excellent healthcare system and well-kept infrastructure. The weather may not be on the level of Thailand… Read more

by Hunter Kuffel Dec 05, 2018

Creating an advance directive is an important part of your end-of-life planning. Doing so will help to communicate your wishes in medical situations where you can’t express them yourself. While a… Read more

by Hunter Kuffel Dec 06, 2018

An advance directive is an important element of a thorough estate planning strategy. If you live in Vermont and you’re unsure if you should draft an advance directive, this guide will walk you… Read more

by Hunter Kuffel Nov 28, 2018

  The Social Security Administration (SSA) is an enormous organization, and the decisions it makes regarding your benefits can have a big impact on your finances. It’s not unusual to feel overwhelmed… Read more

by Hunter Kuffel Dec 16, 2019

When you enroll in Medicare part B, the premiums you pay are partially dependent on your income. If your income is above a certain threshold, you’ll have to pay higher premiums; this higher premium… Read more

by Hunter Kuffel Nov 26, 2018

Applying for Social Security disability benefits can be a long process. It can involve interviews, multiple applications and sometimes rejections and appeals. The Social Security Administration (SSA)… Read more

by Hunter Kuffel Dec 13, 2019

When you seek assistance from the Social Security Administration (SSA), it will make a decision on whether you’re eligible to receive that assistance. The SSA may also make decisions about any… Read more

by Hunter Kuffel Aug 23, 2019

Most Americans enroll in Medicare Part A when they turn 65. Since it comes at no cost to you (provided you’ve paid Medicare taxes), there’s little reason not to. However, not everyone chooses to… Read more

by Hunter Kuffel Dec 12, 2019

The process of applying for Medicare benefits is more complicated than it may initially seem. If you want to apply for a portion of Medicare insurance called Medicare Part B, you can only do so… Read more

by Hunter Kuffel Nov 19, 2018

  From time to time, you need to provide information or records about yourself to another party – for instance, a doctor or insurance company. When this happens, you’ll need to ensure that all the… Read more

by Hunter Kuffel Mar 19, 2021

If you run your own business, you need a way to identify it to the government when it comes time to do your taxes. The same is also true if you’re the executor of an estate, the creator of a trust or… Read more

by Hunter Kuffel Dec 13, 2019

Since electronic funds transfers (EFTs) have become commonplace, direct deposit has overtaken the mailing of paper checks as the most popular way to receive recurring payments.  Before you can get… Read more

by Hunter Kuffel Nov 14, 2018

Applying for disability benefits from the Social Security Administration (SSA) is a multi-step process. One of the most crucial steps is when the SSA and a partner agency called Disability… Read more

by Hunter Kuffel Dec 13, 2019

Your Social Security number is an essential piece of information, used for everything from getting Social Security benefits to opening a bank account. You’ll find your number on your Social Security… Read more

by Hunter Kuffel Nov 29, 2018

There are plenty of factors to consider when choosing a bank, including interest rates, fees, customer service and accessibility (both online and in-person). It can be a lot to wrap your head around,… Read more

by Hunter Kuffel Nov 12, 2018

Providing your Social Security Number (SSN) is a unique, secure method of identifying yourself. However, even this method is susceptible to fraud, especially if your SSN falls into the wrong hands.… Read more

by Hunter Kuffel Nov 12, 2018

Most banks are open for business Monday through Saturday. But occasionally you might show up at your bank on a weekday and find that the bank has been closed all day. Because most banks follow a… Read more

by Hunter Kuffel Jul 23, 2019

A bank transit number, also known as a routing number, helps financial institutions identify where checks and other documents were issued from. They’ve been around for over 100 years, and they help… Read more

by Hunter Kuffel Nov 08, 2018

When it comes to choosing a bank, there are plenty of factors that you should consider, from interest rates to online banking offerings to the availability of physical locations. And the differences… Read more

by Hunter Kuffel Jul 23, 2019

An advance directive can be an important aspect of your estate planning strategy and emergency preparations. Having one can assure you that you’ll receive the medical treatment you want if you lose… Read more