Maria Bruno

Maria Bruno

Maria A. Bruno is a senior investment analyst in our Investment Counseling & Research group. Her areas of expertise include portfolio construction and financial planning, with specialization in retirement planning topics, retirement income solutions, and wealth management strategies. Prior to her current role, Maria worked in Vanguard's Personal Financial Planning and Advice Services departments. She has more than 20 years of experience in the financial services industry. She earned a B.S.B.A. from Villanova University and holds the Certified Financial Planner™ certification.

Recent blog posts by Maria Bruno

Personal finance

To Roth or not to Roth for college savings?

I often get the question “Can I use a Roth IRA to invest for college?”  While the answer is “yes,” the real question is whether you should. The comparison is typically drawn between 529 college savings plans and a Roth … Read more

Retirement

Don’t let these 5 excuses keep your kids from becoming millionaires

Recently, one of us (Maria) was at a bank trying to set up a small custodial IRA on behalf of a nephew and was told that “a minor can’t have an IRA.” It was an interesting experience, and one we … Read more

Retirement

Calling all last-minute tax filers

April is here, and, for some, it’s a time to welcome spring. For others, it means a race against the clock to get their 2013 tax return done before the April 15 deadline. And part of that process frequently involves … Read more

Retirement

Do you max?

Our mothers always taught us that “everyone else is doing it” isn’t a good reason to do something. But when it comes to IRA contributions, it looks like “everyone else” may actually be right.

Retirement is expensive. IRAs are one … Read more

Retirement

When $500 can actually be worth more than $500

If you’re not a retirement savings “geek” like me, you may have missed the news that the IRS increased contribution limits for IRAs this year. It’s the first increase we’ve seen since 2008. In 2013, the limits increase to $5,500 … Read more

Personal finance

So how does America pay for college?

It seems that not a day goes by that I don’t see a headline about the soaring costs of college or the crippling debt facing many students upon earning their degree. My thoughts immediately go to my sister and brother-and-law, … Read more

Personal finance

Happy graduation! Your gift is a Roth IRA

Graduation season is upon us, and you, like me, may be pondering what to get our loved ones. Thinking back, I remember four letters that meant a lot to me when I was graduating: C-A-S-H! But that’s too boring. This … Read more

Personal finance

What type of investor are you?

We’ve all come across the magazine and web quizzes. Answer five questions and you can find out what kind of exerciser, dieter, or driver you are.

I thought I’d have a little fun and apply this exercise to investors. I’ll … Read more

Visit vanguard.com or contact your broker to obtain a Vanguard ETF or fund prospectus which contains investment objectives, risks, charges, expenses, and other information; read and consider carefully before investing.

Vanguard ETF Shares are not redeemable with the issuing Fund other than in Creation Unit aggregations. Instead, investors must buy or sell Vanguard ETF Shares in the secondary market with the assistance of a stockbroker. In doing so, the investor may incur brokerage commissions and may pay more than net asset value when buying and receive less than net asset value when selling.

Investments in bond funds are subject to interest rate, credit, and inflation risk.

Diversification does not ensure a profit or protect against a loss in a declining market.

Foreign investing involves additional risks including currency fluctuations and political uncertainty.

Stocks of companies in emerging markets are generally more risky than stocks of companies in developed countries.

An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although a money market fund seeks to preserve the value of your investment at $1 per share, it is possible to lose money by investing in such a fund.

All investing is subject to risk, including possible loss of principal.

Vanguard Marketing Corporation, Distributor

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