![You almost need to feel sorry for active investors. These are people who believe they can beat the market with their individual stock picks. You almost need to feel sorry for active investors. These are people who believe they can beat the market with their individual stock picks.](https://www.dailycamera.com/wp-content/uploads/migration/2010/0506/20100506_085443_DAVEGARDNER_K.jpg?w=135)
![David Gardner For the Camera](https://www.dailycamera.com/wp-content/uploads/2019/04/20190419_22DCBTWOw-1.jpg?w=85)
David Gardner
David Gardner is a Certified Financial Planner professional at Mercer Advisors practicing in Boulder County. Opinions expressed by the author are his own and are not intended to serve as specific financial, accounting, or tax advice. They reflect the judgment of the author as of the date of publication and are subject to change. The information is believed to be accurate but is not guaranteed or warranted by Mercer Advisors. The hypothetical examples above are for illustration purposes only. Actual investor results will vary. Every individual’s situation is unique, and you should consider your investment goals, risk tolerance, and time horizon before making any investment decisions. For financial planning advice specific to your circumstances, talk to a qualified professional. Mercer Global Advisors Inc. is registered with the Securities and Exchange Commission and delivers all investment-related services. Mercer Advisors Inc. is the parent company of Mercer Global Advisors Inc. and is not involved with investment services.
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![You almost need to feel sorry for active investors. These are people who believe they can beat the market with their individual stock picks. You almost need to feel sorry for active investors. These are people who believe they can beat the market with their individual stock picks.](https://www.dailycamera.com/wp-content/uploads/migration/2010/0506/20100506_085443_DAVEGARDNER_K.jpg?w=135)
![Recent elevated inflation rates have felt like a kick in the teeth for many workers nearing retirement age. While investment returns have been strong since market lows in 2020, many Americans feel the finish line has moved further away with price increases on groceries, vehicles and insurance. So, can a couple retire on $1 million? Recent elevated inflation rates have felt like a kick in the teeth for many workers nearing retirement age. While investment returns have been strong since market lows in 2020, many Americans feel the finish line has moved further away with price increases on groceries, vehicles and insurance. So, can a couple retire on $1 million?](https://www.dailycamera.com/wp-content/uploads/migration/2010/0506/20100506_085443_DAVEGARDNER_K.jpg?w=135)
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David Gardner: Can you retire on $1 million?
![Regular readers of this column should know I advocate automating your way to financial independence. Regular readers of this column should know I advocate automating your way to financial independence.](https://www.dailycamera.com/wp-content/uploads/migration/2010/0506/20100506_085443_DAVEGARDNER_K.jpg?w=135)
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David Gardner: Automate but monitor your finances
![In case you missed the frantic calls from your accountant, let me remind you that today is the deadline for most of us to submit our taxes. In case you missed the frantic calls from your accountant, let me remind you that today is the deadline for most of us to submit our taxes.](https://www.dailycamera.com/wp-content/uploads/migration/2010/0506/20100506_085443_DAVEGARDNER_K.jpg?w=135)
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David Gardner: Avoiding estimated tax penalties
![Last month a new dating app launched just in time for Valentine’s Day. Last month a new dating app launched just in time for Valentine’s Day.](https://www.dailycamera.com/wp-content/uploads/migration/2010/0506/20100506_085443_DAVEGARDNER_K.jpg?w=135)
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Money Matters: David Gardner: Looking for love? How’s that credit score?
![It’s a decision we all need to make when investing in our retirement plan: Should we take the Roth or the traditional option? It’s a decision we all need to make when investing in our retirement plan: Should we take the Roth or the traditional option?](https://www.dailycamera.com/wp-content/uploads/migration/2010/0506/20100506_085443_DAVEGARDNER_K.jpg?w=135)
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David Gardner: Don’t give credit unions a free pass
![You don’t meet too many people who will admit to taking a passive approach to life, especially in Boulder County with all of our business startups and uber athletes. The word “passive” implies languid days on the beach, disinterest, and an overall lack of vigor. Active, on the other hand, projects industriousness, insight, and dynamism. Not only can we use active and passive as words to describe human behavior, but we can also use them to categorize investment approaches. You don’t meet too many people who will admit to taking a passive approach to life, especially in Boulder County with all of our business startups and uber athletes. The word “passive” implies languid days on the beach, disinterest, and an overall lack of vigor. Active, on the other hand, projects industriousness, insight, and dynamism. Not only can we use active and passive as words to describe human behavior, but we can also use them to categorize investment approaches.](https://www.dailycamera.com/wp-content/uploads/migration/2010/0506/20100506_085443_DAVEGARDNER_K.jpg?w=135)
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David Gardner: Does active beat passive investing?
![David Gardner: Are charitable giving funds a gimmick? David Gardner: Are charitable giving funds a gimmick?](https://www.dailycamera.com/wp-content/uploads/migration/2010/0506/20100506_085443_DAVEGARDNER_K.jpg?w=135)
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David Gardner: Are charitable giving funds a gimmick?
![With the new year almost here, a fresh technique to repurpose college savings accounts and move them into a tax-free Roth IRA will soon become available. When I first heard about this new rule that was part of SECURE 2.0, it sounded too good to be true. Who wouldn’t want the opportunity to move funds that are limited to education spending to a Roth IRA, which offers the promise of a lifetime of tax-free growth? Sure enough, there are many caveats to follow and pitfalls to be avoided, but ultimately there is the potential to move money from a 529 plan to a Roth IRA over time. Let’s consider some of the main qualifications and what you should keep in mind when determining if this is a viable option for you. Keep reading to the end for information regarding free 529 funds available for those born in 2020 and after. With the new year almost here, a fresh technique to repurpose college savings accounts and move them into a tax-free Roth IRA will soon become available. When I first heard about this new rule that was part of SECURE 2.0, it sounded too good to be true. Who wouldn’t want the opportunity to move funds that are limited to education spending to a Roth IRA, which offers the promise of a lifetime of tax-free growth? Sure enough, there are many caveats to follow and pitfalls to be avoided, but ultimately there is the potential to move money from a 529 plan to a Roth IRA over time. Let’s consider some of the main qualifications and what you should keep in mind when determining if this is a viable option for you. Keep reading to the end for information regarding free 529 funds available for those born in 2020 and after.](https://www.dailycamera.com/wp-content/uploads/migration/2010/0506/20100506_085443_DAVEGARDNER_K.jpg?w=135)
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David Gardner: College savings plans for retirement and free money
![While I don’t want to minimize the challenges of lower income workers saving for retirement, in many ways higher earners face a bigger slog. Don’t get me wrong, if you make a good income there are steps you can take to be financially independent earlier than traditional retirement age. Those with lower incomes can find it a challenge just to make ends meet let alone save for retirement. If you have a higher income, it’s important to recognize the impediments to putting aside enough to stop working. Being mindful of these challenges can help you take steps now to take care of your finances in the future. While I don’t want to minimize the challenges of lower income workers saving for retirement, in many ways higher earners face a bigger slog. Don’t get me wrong, if you make a good income there are steps you can take to be financially independent earlier than traditional retirement age. Those with lower incomes can find it a challenge just to make ends meet let alone save for retirement. If you have a higher income, it’s important to recognize the impediments to putting aside enough to stop working. Being mindful of these challenges can help you take steps now to take care of your finances in the future.](https://www.dailycamera.com/wp-content/uploads/migration/2010/0506/20100506_085443_DAVEGARDNER_K.jpg?w=135)