Carson Wealth

MARCH 2, 2023

Tom Fridrich, JD, CLU, ChFC ® , Senior Wealth Planner We’ve all asked ourselves whether it’s too early to retire (usually after a particularly challenging commute or dealing with a difficult client). But even if you feel confident today, would it be reasonable to retire early? How Early Is Early?

Retirement 98

Retirement Taxes Accounting Financial Advisor 98

The Big Picture

MARCH 3, 2023

2000-13 : Secular bear market did not make new highs until March 2013 2018 : ~20% pullback as the economy slowed, FOMC hiked. By then, we began to have meaningful assets in our savings/retirement accounts and the bear markets had a bigger economic impact on those finances.

Marketing 336

Marketing Marketing Economics Portfolio 336

Million Dollar Round Table (MDRT)

AUGUST 18, 2024

Not understanding this and not knowing if they have enough money for retirement can make it difficult for clients to act on your financial advice, explained 15-year MDRT member Brad Brain, CFP, CLU, in his 2018 MDRT Annual Meeting presentation. Outline options First, let clients know how their retirement will be funded.

Clients 105

Clients Insurance CFP Financial Advice 105

Carson Wealth

FEBRUARY 27, 2025

Qualified Charitable Distributions (QCDs) Your distributions from your retirement plans are reported on your 1099-R form , but the form doesnt specify how much went to a QCD. The pre-2018 two-year carryback rule generally does not apply to NOLs from tax years ending after December 31, 2017.

Taxes 103

Taxes Tax Planning Distribution Planning 103

Brown Advisory

MAY 31, 2018

NOW 2018 | Closing the Gender Wealth Gap achen Thu, 05/31/2018 - 11:51 The typical woman who works full time earns 79 cents for every dollar earned by a typical man. We hear this income statistic a lot. It’s disheartening, more so when you learn that the disparity is even worse along racial lines.

Clients 52

Clients Retirement Investing Investments 52

Brown Advisory

MAY 31, 2018

NOW 2018 | Closing the Gender Wealth Gap. Thu, 05/31/2018 - 11:51. Other solutions are often more obvious, such as programs that offer financial coaching on budgeting, saving for a down payment on a house, saving for retirement and other aspects of financial planning. We hear this income statistic a lot.

Clients 52

Clients Retirement Investing Investments 52

The Big Picture

MARCH 29, 2023

Construction Physics ) • When Your Career, and Retirement, Are the Family’s Business : Succession plans, or the lack thereof, can hinder the transition to a new generation — and affect how loved ones fund their later years. ( The book is a fun romp covering the 1998-2018 era.

Retirement 147

Retirement Budgeting Economy Banking 147

Brown Advisory

MAY 30, 2018

NOW 2018 | Engaging the Next Generation in Public Service achen Wed, 05/30/2018 - 15:15 Our NOW 2018 conference dealt with a variety of forces that are tearing at the fabric of society, from social inequities, to political strife, to technological disruption. Rye Barcott, a retired U.S. He sees U.S.

Nonprofit 52

Nonprofit Government Recruitment Clients 52

Brown Advisory

MAY 30, 2018

NOW 2018 | Engaging the Next Generation in Public Service. Wed, 05/30/2018 - 15:15. Our NOW 2018 conference dealt with a variety of forces that are tearing at the fabric of society, from social inequities, to political strife, to technological disruption. Rye Barcott, a retired U.S. He sees U.S.

Nonprofit 52

Nonprofit Government Recruitment Clients 52

Million Dollar Round Table (MDRT)

FEBRUARY 26, 2023

” This is backed by a 2018 study outlined in the Harvard Business Review that revealed CEOs work on average 9.7 Suddenly, they realize the clock is ticking and retirement may be in less than 10 years. By Jaslyn Ng If there is one word to describe CEOs, it would be the word “busy.” hours per weekday and 62.5

Financial Planning 98

Financial Planning Financial Advisor Planning Retirement 98

Ballast Advisors

AUGUST 18, 2023

In its annual Retirement Confidence Survey of current workers and retirees, the Employee Benefit Research Institute found that workers’ confidence in their ability to fund retirement fell by the largest extent since the financial crisis of 2008, to levels not seen since 2018.

Retirement 52

Retirement Taxes Planning Accounting 52

Validea

FEBRUARY 24, 2023

Ray Dalio, multibillionaire and founder of Bridgewater Associates—the largest hedge fund in the world—retired in October of last year to great fanfare, with much lauding from his and his firm about the transition. In 2018, Bridgewater pledged to shift control of the firm from the founder (Dalio) to top employees. .

Retirement 52

Retirement Ethics Management Investing 52

Darrow Wealth Management

JULY 1, 2024

In 2018, the brackets dropped to 10%, 12%, 22%, 24%, 32%, 35%, and 37%. Mortgage interest will once again be tax-deductible on larger loans As a result of the 2017 legislation, between 2018 and 2025, interest on new mortgages is only tax-deductible up to $750,000 of mortgage debt on a primary or second home.

Taxes 101

Taxes Tax Planning Planning Estate Planning 101

Nationwide Financial

JANUARY 26, 2023

Key Takeaways: 2023 could be a really good year to fund a Roth account because of low tax rates and changes to how the standard deduction, tax brackets, and retirement account contribution limits are adjusted for inflation. Plus, you’ll be increasing your tax diversification for retirement. One option is to contribute to a Roth IRA.

Accounting 98

Accounting Retirement Taxes Retirement Planning 98

Random Roger's Retirement Planning

MARCH 29, 2025

In 2018 you can see that two of them helped with just a few basis points. A year like 2018 constitutes down a little and is probably less important than protecting against down a lot like in 2022. In terms of crisis alpha in rough times, convertible arb didn't really help in 2022 but managed futures and macro did.

Portfolio 59

Portfolio Management Risk Management Distribution 59

MarketWatch

FEBRUARY 23, 2023

INTU late Thursday beat Wall Street expectations for its fiscal second quarter and announced the retirement of its longtime chief financial officer. Chief Financial Officer Michelle Clatterbuck, who has held the role since 2018, plans to step down as CFO on July 31, Intuit said. Clatterbuck is retiring after 20 years with the company.

Retirement 75

Retirement Planning Marketing Marketing 75

Integrity Financial Planning

DECEMBER 19, 2022

4] Even though the stock market may recover as the economy bounces back, the extent of recovery for these 60/40 portfolios is uncertain and may alter how you choose to spend or maintain investments in retirement. Sinking Bond Markets. In a 60/40 allocation, this negatively affects the whole portfolio. 1] [link]. [2] 2] [link]. [3]

Portfolio 91

Portfolio Retirement Economy Accounting 91

Harness Wealth

NOVEMBER 12, 2024

Fully Utilize Tax-Advantaged Retirement and Savings Accounts There are multiple steps you can take using retirement accounts to reduce your taxable income. Contribute to Tax-Advantaged Retirement Accounts Do your best to fully contribute to one or multiple tax-advantaged retirement accounts, such as 401(k), 403(b), or IRAs.

Tax Planning 52

Tax Planning Taxes Planning Estate Planning 52

Good Financial Cents

DECEMBER 28, 2022

Opening a Roth IRA can be a smart move if you want to invest for retirement and save money on taxes later in life. When you’re ready to take distributions from your Roth IRA in retirement (or after age 59 ½), you won’t pay income taxes on your distributions, either. Retirement Account Conversions Allowed.

Distribution 105

Distribution Taxes Retirement Accounting 105

The Big Picture

OCTOBER 1, 2023

The Guardian ) • Rupert Murdoch is sliding into retirement. American Prospect ) Be sure to check out our Masters in Business with Gary Cohn , Assistant to the President for Economic Policy and Director of the National Economic Council from 2017-2018; he was President and Chief Operating Officer of The Goldman Sachs Group from 2006-2016.

Ethics 130

Ethics Medicine Medical Accounting 130

Random Roger's Retirement Planning

MAY 11, 2024

Barron's had two articles about retirement, one about Social Security and one saying that most workers don't want to work past 62. If you want to retire at 60, great, do the planning and the work but be adaptable if something doesn't work out. Plan to work until 72? Ok what is your backup if you can't.

Retirement 66

Retirement Planning Taxes Accounting 66

Good Financial Cents

MAY 1, 2023

A Contributory IRA, otherwise known as a traditional IRA , is a retirement savings account that allows individuals to make contributions from their earned income. The contribution limit may be reduced or eliminated for individuals who have high incomes or who participate in an employer-sponsored retirement plan.

Risk Tolerance 95

Risk Tolerance Taxes Retirement Accounting 95

The Irrelevant Investor

JUNE 15, 2019

In 2018, 52% of all participants at Vanguard were invested in a single target-date fund. In 2018, two out of three new participants were in plans that adopted automatic enrollment. Six in ten people making more than $150,000 contributed the maximum account in 2018. That number fell to 19% in 2018.

Asset Allocation 52

Asset Allocation Retirement Accounting Distribution 52

Random Roger's Retirement Planning

MARCH 12, 2025

It's growth rate since inception is 3.58% going back to September, 2018 but a lot of that comes from a 15% lift in 2021 (numbers per testfol.io). RPAR is indexed and I think that fund's result shows that risk parity doesn't lend itself to an indexed approach. TRTY is a tough hold.

Portfolio 59

Portfolio Taxes Numbers Investing 59

Random Roger's Retirement Planning

MARCH 8, 2025

In late 2018 OCRP moved up when the market had a fast drop. OCRP will have 50% in CBOE Holdings (CBOE) and 50% in AGFiQ US Market Neutral Anti Beta ETF (BTAL) which are both client and personal holdings. If they can have single stock ETFs why not an ETF with just two holdings? I threw tail in as well as the S&P 500.

Taxes 59

Taxes Clients Marketing Marketing 59

Random Roger's Retirement Planning

APRIL 3, 2024

Someone retiring on Dec 31, 2021 being all in on traditional 60/40 had a real problem from an adverse sequence of returns. Someone retiring on Dec 31, 2021 with one of the managed futures-heavy portfolios had no such problem. It only back tests to 2018 but here's what you get. 90/40 was down 1.56% and Portfolio 3 was up 3.25%.

Numbers 96

Numbers Portfolio Management Retirement 96

Random Roger's Retirement Planning

MARCH 9, 2025

Portfolio 3's worst year was 2018 when it fell 7.76%. Portfolio 2 had two years where it was down 5% (those were the worst two) and the leveraged version's worst year was 2018 when it fell 12.26%. The alts in the leverage sleeve all have a low to negative correlation to equities and to each other. BTAL is a client and personal holding.

Portfolio 52

Portfolio Numbers Insurance Taxes 52

Random Roger's Retirement Planning

APRIL 9, 2024

Picture retiring in 2010 versus 2020. As we say all the time, whereas stocks are the thing that goes up the most, most of the time in the modern era I would want more than 25% in equities for anyone needing normal stock market growth for their retirement plan to work. This is in the neighborhood of sequence of return.

Management 98

Management Retirement Planning Portfolio Retirement 98

Random Roger's Retirement Planning

MARCH 11, 2024

The 1987 crash was partly attributed to selling portfolio insurance and there was the so called Volmageddon of 2018. 2018 was not 1987 and if there is another event where volatility ends up being a major determent then it will be different than the other two but with some overlap. Events don't repeat but the can rhyme.

Numbers 98

Numbers Insurance Marketing Marketing 98

The Irrelevant Investor

JANUARY 10, 2018

CAPE Fear: Why CAPE Naysayers Are Wrong As Dow Tops 25,000, Individual Investors Sit Out Bracing Yourself For a Possible Melt Up Bubbles for Fama Is Saving 10% Enough For Retirement? 10 Things Investors Can Expect in 2018 How We Got to Now is one of the best books I've read in a while. Past is Not Prologue Thanks for listening!

Retirement 52

Retirement 52

Random Roger's Retirement Planning

SEPTEMBER 18, 2023

I think that is attributable to a terrible year for 100/100 in 2018. Terrible year in 2018 or 2022? 2018 was still lousy and 2022 was very good. I am more open to RSST as a core position than I was but 2018 is a good example of how it can go poorly. Notice though that the standard deviation for 100/100 is much higher.

Management 75

Management Portfolio Clients Investing 75

Random Roger's Retirement Planning

APRIL 9, 2023

Do you even remember why stocks crashed in late 2018? There will be future events that result in some sort of drop, black swans to you or not, and these become more important as you get closer to retiring in terms of sequence of return risk. Any retirement plan runs the risk of coming up short for any number of reasons.

Retirement 75

Retirement Asset Allocation Planning Numbers 75

Mr. Money Mustache

OCTOBER 23, 2020

I was “The Man Who Retired at 30”, and it was so unusual that it would show up in news headlines all over the place. My story was a nine-year working career, and retirement at 30. So at the end of year one, Curelop’s portfolio looked like this: 2018: Bought a second house for $343,000 ($27k down including some upgrades).

Retirement 52

Retirement Taxes Investing Investments 52

Random Roger's Retirement Planning

APRIL 11, 2024

Portfoliovisualizer shows the annual decline at 1.55% but taking out 2018 when it was up 15% and 2022 when it was up 20% and it would have been noticeably worse. The managed futures blends' worst years in this study were 2011 when they were down slightly versus up 4.31% for VBAIX and 2018 when they were down 5.5%-6%

Management 93

Management Taxes Accounting Portfolio 93

Random Roger's Retirement Planning

AUGUST 7, 2022

Starting in 2018 causes the performance to change as follows. Both Portfolio 1 (Cockroach) and Portfolio 2 (the 3 fund mix I made up the other day) each have ways in which they are superior over the period studied from 2018 on. In 2017, as assembled, The Cockroach Portfolio went up 62% versus 21% for 100% SPY and 13% for VBAIX.

Portfolio 91

Portfolio Management Clients Marketing 91

Good Financial Cents

APRIL 1, 2023

It’s one of the best strategies to supercharge your retirement savings, especially for early retirement. There's no time like the present to begin preparing for your retirement. This is always true when neither you nor your spouse are covered by an employer-sponsored retirement plan. Ads by Money.

Planning 95

Planning Distribution Taxes Retirement Planning 95

Random Roger's Retirement Planning

JUNE 16, 2024

In 2018, Nvidia was down 30% versus 4% for the S&P 500 and in 2022 it was cut in half versus 18% for the S&P 500. In 2018, the 50/50 blend was up 12% versus a 4% drop for the S&P 500. Holding a stock for than long will be challenging. The Nvidia example ties right in with the Fisher quote.

Investing 90

Investing Investments Clients Taxes 90