Integrity Financial Planning

OCTOBER 17, 2022

Optimizing your retirement savings takes more than just making sure your IRA isn’t at risk in this market. There are rules and regulations that can help you avoid higher taxes and penalty fees and help you structure your income to minimize taxes. Know these 3 ages that can help you get the most out of your retirement accounts.

Retirement 95

Retirement Accounting Retirement Planning Distribution 95

Nationwide Financial

JUNE 9, 2023

Key Takeaways: The last two years have been marked by the highest inflation rates in decades; your clients saving for retirement can use this to their advantage through short-term investments, tax deferral, and insurance products offering better benefits. This can mean an unexpected tax liability for the uninitiated.

Retirement 98

Retirement Clients Certification Taxes 98

Good Financial Cents

JANUARY 24, 2023

While they do share some similarities, there are enough distinct differences between the two where they can just as easily qualify as completely separate and distinct retirement plans. Either plan is an excellent choice, particularly if you’re not covered by an employer-sponsored retirement plan. Not exactly.

Retirement Planning 122

Retirement Planning Retirement Taxes Distribution 122

Carson Wealth

NOVEMBER 3, 2022

And while the holidays are traditionally a time to reflect on our blessings and help those less fortunate than ourselves, there’s another factor influencing the timing of these donations — and that’s the goal of minimizing a tax bill. Three Tax-Advantaged Donation Strategies to Consider. Create a donor-advised fund (DAF).

Taxes 98

Taxes Distribution Accounting Nonprofit 98

Indigo Marketing Agency

MAY 5, 2020

How To Grow Your Retirement Plan Business In The 2020 Economic Crisis. We’ll review: – How has the retirement landscape been affected by COVID-19? – How can advisors grow their retirement business in the current crisis? I’m super excited to welcome the team at Retirement Learning Center.

Retirement 52

Retirement Economics Retirement Planning Financial Planning 52

Random Roger's Retirement Planning

MARCH 2, 2025

Barron's wrote about the difficulty of spending down accumulated assets in retirement. Generically, dividends are not tax efficient. They are taxed at ordinary income. SCHD has historically paid "qualified" dividends which are taxed more favorably as capital gains but this is something to continuously track.

Taxes 52

Taxes Portfolio Assets Accounting 52

Good Financial Cents

JANUARY 23, 2023

The Bottom Line on Checking Your 401(k) A 401(k) is a type of retirement savings plan offered by many employers to their employees. It is a tax-advantaged savings plan that allows employees to set aside money from their paycheck on a pre-tax or after-tax (Roth) basis , into an individual account established in their name.

Retirement 102

Retirement Accounting Planning Taxes 102

Mish Talk

DECEMBER 22, 2022

What is the lowest wage or salary you would accept (BEFORE taxes and other deductions) for this job? Reservation Wage Between March 2014 and March 2020 Working: +19.3 Reservation Wage Between March 2020 and November 2022 Working: +19.1 Percent Not Working: +14.3% Percent Not Working: +12.5%

Food 130

Food Retirement Banking Taxes 130

Random Roger's Retirement Planning

OCTOBER 13, 2024

The risk of selling volatility this way is that the market gets hit either with a fast decline like the 2020 Pandemic Crash or a slower large decline like in 2022 causing the short puts to get assigned. Munnell along with Teresa Ghilarducci are like the aunties of retirement which I am saying in a positive way. People have busy lives.

Retirement Planning 98

Retirement Planning Retirement Planning Distribution 98

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

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

Yardley Wealth Management

MARCH 1, 2022

The post Part 3: Tax-Wise Financial Planning appeared first on Yardley Wealth Management, LLC. Part 3: Tax-Wise Financial Planning In our last two pieces, we covered some tools of the tax-planning trade, as well as how to deploy them for tax-efficient investing. But tax planning isn’t just for your investments.

Financial Planning 52

Financial Planning Taxes Planning Tax Planning 52

Yardley Wealth Management

MARCH 1, 2022

The post Part 3: Tax-Wise Financial Planning appeared first on Yardley Wealth Management, LLC. Part 3: Tax-Wise Financial Planning. In our last two pieces, we covered some tools of the tax-planning trade, as well as how to deploy them for tax-efficient investing. . But tax planning isn’t just for your investments.

Financial Planning 52

Financial Planning Taxes Planning Tax Planning 52

Random Roger's Retirement Planning

FEBRUARY 12, 2025

The title of the Man article is Why Alpha Matters for Retirement Savers and in it, they make their case for portable alpha. It also fell 37% in the 2020 Pandemic Crash but it took that back in just four months. Portable alpha combines plain vanilla exposure with alternatives in such a way that leverages up.

Portfolio 52

Portfolio Retail Assets Clients 52

Random Roger's Retirement Planning

APRIL 11, 2025

I expanded on it a little bit and noted it's not particularly relaxing but I would reiterate that this is a great time to lean forward and learn about some things in real time versus looking at a backtest from a benchmark event like the 2020 Pandemic Crash or 2022. All of the different factors have their moments in the sun.

Portfolio 59

Portfolio Taxes Assets Investments 59

Nationwide Financial

FEBRUARY 7, 2023

Stressors between health and wealth When examining the connections between financial and personal wellness, the COVID-19 pandemic in 2020 presents a perfect example of the different ways – physically, mentally, and financially – that people were affected by the virus. Census Bureau, the U.S. populations segments.

Retirement 102

Retirement Clients Education Financial Services 102

Yardley Wealth Management

MAY 25, 2021

The post 5 Financial Advisor Hacks: A Cheat Sheet for People Saving For Retirement! 5 Financial Advisor Hacks: A Cheat Sheet for People Saving For Retirement! The 24-hour news cycle can be a bit insane these days, especially in 2020 when the pandemic dominated the news and murder hornets were on the way. By Michael J.

Financial Advisor 52

Financial Advisor Retirement Wealth Management Retirement Planning 52

Brown Advisory

JANUARY 20, 2023

Don't get an "F" on FBAR ajackson Fri, 01/20/2023 - 13:43 We work with many clients to develop smart, flexible tax strategies; such strategies are essential to align their tax, investment and wealth preservation plans. A common tax obstacle faced by many of our U.S. A tax advisor can be helpful in these situations.

Accounting 100

Accounting Compliance Taxes Banking 100

The Big Picture

SEPTEMBER 6, 2023

Wall Street Journal ) • Why China Is Avoiding Using ‘Bazooka’ to Spur Economy : Beijing isn’t pulling out a “bazooka” stimulus package like it did during the global financial crisis in 2008-09, or even when the pandemic hit in 2020. Bloomberg ) • Roth vs. Traditional 401(k): Where to Put Your Money for Retirement? in the current one.

Strategic Planning 130

Strategic Planning Medicine Economy Consulting 130

Random Roger's Retirement Planning

FEBRUARY 9, 2025

In 2020 and 2023 the fund was unchanged versus up a lot for the other two. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation. To be clear though, the Mystery Fund is not intended to be a single portfolio solution.

Portfolio 52

Portfolio Investment Planning Taxes Planning 52

Random Roger's Retirement Planning

NOVEMBER 21, 2024

It did decline about 5% in the 2020 Pandemic Crash and in 2022 it was up 1.36%. The backtest runs from the start of 2011 to the end of 2020. Um ok, but MSTR started buying Bitcoin in 2020. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation.

Asset Allocation 52

Asset Allocation Management Portfolio Taxes 52

Zoe Financial

APRIL 17, 2023

Implementing these strategies can help reduce tax bills, save more, and achieve financial goals sooner. The deadline for tax filing is around the corner. Besides meeting all the requirements for this date, have you considered the impact of implementing long-term tax strategies on your wealth?

Taxes 40

Taxes Retirement Accounting Tax Planning 40

Cordant Wealth Partners

DECEMBER 11, 2020

For those employees eligible for Intel’s minimum pension benefit (MPP) at retirement, the interest rate used to calculate today’s value of that benefit is changing. There now exists a meaningful incentive for many long-time Intel employees to retire from Intel before May 2021. What Issues Should I Consider Before I Retire?

Retirement 52

Retirement Planning Accounting Insurance 52

Gen Y Planning

MARCH 1, 2022

Yep, it’s about that time—tax time, of course. . The sun’s out a little longer, we shed a few layers, the first blooms of the season are on full display, and taxes are due smack dab in the middle of it all. This year, your 2021 taxes are due on April 18th, 2022. This year, let’s make taxes fun! Let’s take a look.

Taxes 52

Taxes Government Accounting Healthcare 52

eMoney Advisor

DECEMBER 27, 2022

In 2020, The Advisor Channel (founded by partners New York Life Investments and Visual Capitalist) created a hierarchy that categorizes financial needs and demonstrates how wealth management plays an important role in financial health. Accumulating wealth refers to growing investments, paying down debt, and saving for retirement.

Financial Planning 78

Financial Planning Planning Clients Wealth Management 78

eMoney Advisor

FEBRUARY 9, 2023

Stage Two: Pre-Retirement The second stage of the financial planning lifecycle is pre-retirement, which involves a wide range of clients with different lifestyles and priorities. From education and family planning to retirement planning to insurance coverage, they have more goals in play than they did during the previous stage.

Financial Planning 95

Financial Planning Clients Planning Education 95

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 12, 2025

It had a big drawdown in the 2020 Pandemic Crash which, ok, something like that sure but it had a surprisingly big drawdown in 2022 as you can see at 13%. 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 Taxes Numbers Investments 59

Random Roger's Retirement Planning

APRIL 3, 2025

I saw where this was the worst single day drop since one of the bad days during the 2020 Pandemic Crash. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation. Markets got pasted today of course.

Portfolio Management 45

Portfolio Management Financial Advisor Clients Management 45

Random Roger's Retirement Planning

APRIL 9, 2024

Picture retiring in 2010 versus 2020. The S&P 500 was down 22% for the 10 years ending 1/1/2010 while the ten years ending 1/1/2020 it was up 189%. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation.

Management 98

Management Retirement Planning Portfolio Retirement 98

Random Roger's Retirement Planning

MARCH 25, 2025

The S&P 500 doesn't fall 20% in a quarter very often but obviously it can happen, it happened in Q1 of 2020 and the 3rd quarter of 2008 and I imagine there were others. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation.

Taxes 59

Taxes Sales Management Investing 59

Good Financial Cents

MARCH 20, 2023

Invest in the Stock Market Suggested Allocation: 40% to 50% Risk Level: Varies Investing Goal: Long-term growth The stock market is where most of us save for retirement already, mostly through the use of tax-advantaged retirement plans, like a 401(k), SEP IRA, or Solo 401(k).

Investing 98

Investing Investments Risk Tolerance Retirement 98

Random Roger's Retirement Planning

FEBRUARY 23, 2025

The "endowment" result is very close to red line VBAIX every year except 2020 when it lagged by almost 600 basis point and 2022 when it outperformed by about 500 basis points. It did worse in the 2020 Pandemic Crash by 200 basis points which isn't problematic for how quickly everything snapped back. Is it this?

Math 52

Math Portfolio Taxes Marketing 52

Nationwide Financial

APRIL 28, 2023

One of the biggest lessons all states learned from WA is how many people are willing to buy LTC insurance if it will get them exempted from a tax! WA employees will pay a mandatory 0.58% payroll tax – which will purchase $36,500 in total LTC benefits (with potential inflation). What may be coming next with other states?

Insurance 105

Insurance Taxes Clients Numbers 105

Random Roger's Retirement Planning

MARCH 8, 2025

It did go down almost 9% in the 2020 Pandemic Crash but that was just a fraction of what the S&P 500 dropped and in 2022, OCRP was up 9.15%. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation. I threw tail in as well as the S&P 500.

Taxes 59

Taxes Clients Marketing Marketing 59

Brown Advisory

MARCH 27, 2020

The CARES Act: A First Look eberkwits Fri, 03/27/2020 - 12:33 On March 25, the Senate unanimously passed a significant stimulus bill to help individuals, families, and businesses weather the economic disruptions caused by COVID-19. PROVISIONS AFFECTING INDIVIDUALS AND FAMILIES Recovery Rebate for Individual Taxpayers – Tax Credit.

Taxes 52

Taxes Clients Accounting Distribution 52

Brown Advisory

MARCH 27, 2020

Fri, 03/27/2020 - 12:33. 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. If the 2019 return has not been filed, eligibility for the payment will be based on taxpayer’s 2018 income tax return information.

Taxes 52

Taxes Clients Accounting Distribution 52