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. The answer may be yes.

Accounting 98

Accounting Retirement Taxes Retirement Planning 98

Darrow Wealth Management

JULY 1, 2024

The 2017 Tax Cuts and Jobs Act (TCJA) brought sweeping changes to the tax code, impacting every taxpayer and business owner. Here’s a summary of the major tax law changes coming in 2026 and some steps individuals and business owners can take to prepare. For some, this may lead to more taxes paid on capital gains.

Taxes 52

Taxes Tax Planning Planning Estate Planning 52

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

Good Financial Cents

APRIL 1, 2023

It’s one of the best strategies to supercharge your retirement savings, especially for early retirement. That will give you a combined contribution of $13,000, which will also be fully tax-deductible. There's no time like the present to begin preparing for your retirement. Ads by Money.

Planning 95

Planning Distribution Taxes Retirement Planning 95

Brown Advisory

JULY 17, 2018

529 Plans And The New Tax Code ajackson Tue, 07/17/2018 - 11:30 You Can Now Use 529s for K-12 Costs—But Should You? The cost of college is growing at an astronomical rate, and Section 529 plans have long helped individuals and families grow assets earmarked for education in a tax-efficient manner.

Taxes 52

Taxes Planning Education Distribution 52

Brown Advisory

JULY 17, 2018

529 Plans And The New Tax Code. Tue, 07/17/2018 - 11:30. The cost of college is growing at an astronomical rate, and Section 529 plans have long helped individuals and families grow assets earmarked for education in a tax-efficient manner. The 2018 tax overhaul expanded the reach of 529 plans beyond college.

Taxes 52

Taxes Planning Education Distribution 52

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. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation.

Portfolio 59

Portfolio Management Risk Management Distribution 59

Darrow Wealth Management

JUNE 26, 2023

Property taxes For example, in certain locations such as sought-after vacation destinations, property taxes can be quite high. Property taxes For example, in certain locations such as sought-after vacation destinations, property taxes can be quite high. It’s all relative though.

Insurance 105

Insurance Taxes Wealth Management Planning 105

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). They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation. TRTY is a tough hold.

Portfolio 59

Portfolio Taxes Numbers Investments 59

Random Roger's Retirement Planning

MARCH 8, 2025

In late 2018 OCRP moved up when the market had a fast drop. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation. 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

FEBRUARY 14, 2025

It's only down year was 2018 with a decline of 7.91%. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation. These portfolios don't really look anything like what we usually play around with here but the results are interesting.

Portfolio 52

Portfolio Asset Allocation Assets Management 52

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

Random Roger's Retirement Planning

MARCH 3, 2025

I added SH for clients a little while and have been holding BTAL for them and personally since 2018. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation. Relative to a day or two, the timing was very lucky.

Clients 52

Clients Retail Accounting Taxes 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 Investments 75

Tucker Advisors

APRIL 4, 2023

Forty years ago, the federal government lengthened Social Security’s full retirement age (FRA) from 65 to 67, and increased the delayed retirement credit. Since 1980 through 2014, workers with retirement plans that included a pension fell from 39% to 13%, a 200% decline. Is it the change we want?

Retirement 75

Retirement Financial Advisor Planning Accounting 75

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%. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation.

Portfolio 52

Portfolio Numbers Insurance Taxes 52

Good Financial Cents

DECEMBER 22, 2022

Index funds have become popular among the FIRE (financial independence, retire early) crowd, and for a good reason. 2018: – 6.24%. From there, you’ll pay a 0.25% annual investing fee to access multiple portfolio options, advanced tax-savings tools, automatic portfolio rebalancing, and other perks. Invest in Farmland.

Investing 108

Investing Investments Risk Tolerance Accounting 108

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. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation.

Investing 90

Investing Investments Clients Taxes 90

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

Zoe Financial

FEBRUARY 16, 2023

To implement these strategies successfully, we must first understand the difference between claiming the standard tax deduction and itemizing deductions. In this blog post, we will explore three charitable giving strategies intended for a tax deduction, minimizing record keeping, and increasing donations to charity.

Taxes 40

Taxes Distribution CFP Accounting 40

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 Accounting Taxes Portfolio 93

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 Investments Investing 52

Random Roger's Retirement Planning

MARCH 4, 2025

I started with a very small position in late 2018 with the intention of letting it grow into a lifechanging piece of money or letting it fail and I still own it. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation.

Portfolio 52

Portfolio Portfolio Management Management Clients 52

eMoney Advisor

DECEMBER 27, 2022

Accumulating wealth refers to growing investments, paying down debt, and saving for retirement. Financial freedom advances to long-term care and children’s education, as well as retirement savings and vacations. It is not meant to be, and should not be taken as financial, legal, tax or other professional advice.

Financial Planning 78

Financial Planning Planning Clients Wealth Management 78

Brown Advisory

MARCH 27, 2020

There are a number of temporary income tax provisions in the CARES Act that will be of interest to our private clients. PROVISIONS AFFECTING INDIVIDUALS AND FAMILIES Recovery Rebate for Individual Taxpayers – Tax Credit. Relaxation of Penalties on Early Retirement Account Withdrawals for Virus Related Hardship.

Taxes 52

Taxes Clients Accounting Distribution 52

Brown Advisory

MARCH 27, 2020

There are a number of temporary income tax provisions in the CARES Act that will be of interest to our private clients. Recovery Rebate for Individual Taxpayers – Tax Credit. Eligibility for the one-time payment will be calculated using taxpayer’s income/filing status as reported on their 2019 income tax return.

Taxes 52

Taxes Clients Accounting Distribution 52

Random Roger's Retirement Planning

JUNE 6, 2024

In the backtest it was down 3.65% in 2015, that worst year was 2018 and in 2022 it was only down 2.72%. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation. I am surprised how closely it tracks to VBAIX.

Asset Allocation 92

Asset Allocation Retail Clients Taxes 92

Random Roger's Retirement Planning

SEPTEMBER 28, 2024

Depending on your tax situation though, more dividends may not be better. In the mini crash at the end of 2018, FNDX and SPHQ did worse than the S&P 500, SPYV was about the same as market cap weighting and SCHD was the best performer for that event. The reader was right for ten years. This table captures ten years.

Taxes 52

Taxes Valuation Marketing Marketing 52

Random Roger's Retirement Planning

JUNE 5, 2024

It only goes back to 2018 because in 2017, Bitcoin went up an amount that may not be repeatable. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation. Portfolios 1 and 3 both concentrate the risk into narrow slices of the portfolio.

Portfolio 91

Portfolio Retail Investments Investing 91

WiserAdvisor

FEBRUARY 21, 2023

In 2018, there were approximately 52.4 This is a common way to target an individual’s retirement savings. Retirement savings are a limited pool of money, and keeping track of expenditure can ensure optimal utilization and establish sensible spending habits. The elderly population in the United States is on the rise.

Financial Advisor 104

Financial Advisor Clients Estate Planning Education 104

Getting Your Financial Ducks In A Row

MAY 9, 2022

The MAGI is used to determine the amount, if any, of your Traditional IRA contribution that is deductible if you or your spouse is covered by an employer retirement plan. Subtract any income from the AGI that is the result of IRA funds to a Roth IRA, or from a rollover conversion from a qualified employer retirement plan to a Roth IRA.

Retirement Planning 41

Retirement Planning Retirement Taxes Planning 41

Cordant Wealth Partners

NOVEMBER 20, 2020

You willingly forgo income today with the faith that your company will survive many years into the future to make good on this liability to you—all for a tax benefit that tips the odds in your favor. The longer the tax deferral is in place, the more valuable this is. Behold the power of compounded tax-free gains!

Compensation Planning 52

Compensation Planning Taxes Distribution Planning 52

Random Roger's Retirement Planning

AUGUST 28, 2024

In the partial year 2018, the very leveraged version lagged by a lot in a year that was very difficult for managed futures. There's a good chance of getting essentially the same effect with much less risk of being vulnerable to something breaking or at least bending a lot like managed futures in 2018. Closing out with a theory.

Portfolio 52

Portfolio Management Assets Investments 52

Random Roger's Retirement Planning

JUNE 26, 2024

In 2018 the S&P 500 was down a little over 4% and managed futures was down about 8%. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation.

Portfolio 95

Portfolio Management Numbers Taxes 95

Cordant Wealth Partners

JANUARY 28, 2021

Siemens offers eligible employees a 409(a) Nonqualified Deferred Compensation Plan (DCP) which provides those employees with a fairly straightforward opportunity: willingly forgo income today for a tax benefit. Benefits of the Siemens DCP include tax benefits and the benefit of a company match. Tax Benefits.

Compensation Planning 52

Compensation Planning Taxes Planning Distribution 52

Random Roger's Retirement Planning

APRIL 17, 2024

TRTY only goes back to late 2018 so I build the following to try to replicate it with exposure I believe to be consistent with what TRTY owns. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation.

Portfolio 102

Portfolio Asset Allocation Advertising Numbers 102