401(k) Real Talk Episode 145: March 26, 2025
Wealth Management
MARCH 26, 2025
Open, honest and candid discussion about retirement plan assets, PE funds in workplace plans, the future of the DOL fiduciary rule and more.
Weekend Reading For Financial Planners (December 28–29)
Nerd's Eye View
DECEMBER 27, 2024
Also in industry news this week: According to a recent survey, advisors are putting an increasing share of client assets into model portfolios, allowing for customization and time savings that advisors appear to be using to provide more comprehensive planning services RIA M&A deal volume saw an annual record in 2024 as a lower cost of capital, (..)
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Book of Secrets on the Month-End Close
What Your Financial Statements Are Telling You—And How to Listen!
Are Robots Replacing You? Keeping Humans in the Loop in Automated Environments
Data Talks, CFOs Listen: Why Analytics Is The Key To Better Spend Management
Trending Sources
The IRA Is 50 This Month!
NAIFA Advisor Today
JANUARY 16, 2025
Advisor Today Guest Column January of 2025 is the 50th anniversary to one of the most important pieces of legislation in the retirement planning arena ever put into law by Congress. What Im referring to is the enactment of ERISA, the Employee Retirement Income Security Act.
IRS Clarifies Implementation of Future Regulations Regarding RMDs
Wealth Management
JANUARY 8, 2025
Announcement 2025-2 applies to employer retirement plans.
42% More Likely to Succeed? Write Down Your 10 Financial Goals for 2025!
Dear Mr. Market
DECEMBER 31, 2024
Heres your top 10 financial planning checklist for the new year. Write Down Your 10 Financial Goals for 2025! Maximize Retirement Contributions Contribute as much as possible to your 401(k), IRA, or Roth IRA. For 2025, the IRS has increased contribution limitsdont miss out. Happy Planning and best to you in 2025!
Budgeting 
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“How Much More Will I Get?”: Calculating The Impact Of WEP And GPO’s Repeal On Social Security Benefits
Nerd's Eye View
FEBRUARY 12, 2025
When the Social Security Fairness Act was signed into law on January 5, 2025, it came as a relief to many recipients of state or local government pensions whose Social Security benefits had been, up until now, reduced by the Windfall Elimination Provision (WEP) for individuals claiming retirement benefits under their own name, or the Government Pension (..)
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The 2024 Kenneth Black Jr. Leadership Award Winner Is Mike McGlothlin
NAIFA Advisor Today
FEBRUARY 6, 2025
He is the author of several books, including Free Throws for Financial Professionals: Winning Principles for Unlocking Business Success, Above the Clouds: Winning Strategies from 30,000 Feet, and The New Rules of Retirement Planning.
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Tax Advisor Weekly News March 7, 2025
Harness Wealth
MARCH 7, 2025
Additionally, we have news that FinCEN has announced an extension of the BOI reporting deadline and a temporary halt in enforcement, an analysis on the implications of wealth taxes in Europe, and a refresher on how the new ‘Savers Match’ program aimed at enhancing the retirement savings of millennials and Gen Z functions.
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How to Maximize Tax Deductions for the 2025 Filing Season
Harness Wealth
JANUARY 29, 2025
April 15 marks the IRS tax return filing deadline for 2025. Individual Retirement Accounts (IRAs): Contribute up to $7,000 for 2024 ($8,000 if aged 50+). Contributions made by April 15, 2025, can be applied to your 2024 return, reducing taxable income. Timing RMDs : Begin taking RMDs by April 1 of the year after you turn 73.
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Plan Your Client Event in 2025: How to Host Successful Events that Generate Quality Leads
FMG
FEBRUARY 13, 2025
Client events are evolving in 2025, offering unparalleled opportunities to connect with clients, strengthen relationships, and drive quality leads. In this guide, well walk you through actionable strategies, creative ideas, and promotion tips to ensure every event you plan is a success. It’s a win-win for you and the experts.
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Plan Your Client Event in 2025: How to Host Successful Events that Generate Quality Leads
FMG
FEBRUARY 13, 2025
Client events are evolving in 2025, offering unparalleled opportunities to connect with clients, strengthen relationships, and drive quality leads. In this guide, well walk you through actionable strategies, creative ideas, and promotion tips to ensure every event you plan is a success. It’s a win-win for you and the experts.
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The Five Phases of Retirement Planning
Zoe Financial
JANUARY 27, 2025
The Five Phases of Retirement Planning Published January 29, 2025 Reading Time: 2 minutes Written by: The Zoe Team Retirement is a journey with distinct phases, each requiring its own focus and preparation. Its about striking a balance between enjoying your retirement and ensuring long-term security.
Can You Live Off Dividends In Retirement?
Darrow Wealth Management
FEBRUARY 9, 2025
Living off dividends in retirement: hypothetical income today for portfolios between $2M and $15M Investors may wonder how much money they could expect in dividend income annually given today’s market. As of January 31st, 2025, the dividend yield on US Aggregate bonds (AGG ETF) was 3.73% and the S&P 500 (SPY ETF) was 1.17%.
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9 Year-End Planning Tips from a Wealth Planner
Carson Wealth
DECEMBER 8, 2023
Attorneys are telling us that 2024 is the time to review and change your estate plan as the lines may be out the door in 2025 for taxpayers wanting to make last minute changes to take advantage of the higher exemption amount. Lastly, I allocate the retirement plan contributions between Roth and Traditional 401(k) accounts.
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Secure Act 2.0 to Bring Sweeping Changes to Retirement Rules
Darrow Wealth Management
DECEMBER 23, 2022
would keep the age 50 catch-ups and allow new ones: 401(k) & 403(b) plans: starting in 2025, the catch-up contribution will become the greater of $10,000 or 150% of the catch-up limit for individuals between age 60 – 63. Under current law, SEP and SIMPLE retirement plans cannot have a designated Roth IRA account.
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Secure Act 2.0: What You Need to Know
Your Richest Life
JANUARY 20, 2023
Emergency Savings Beginning in 2024, some retirement plans could add an emergency savings component. Additionally, contributions to the 529 plan within the last 5 years cannot be moved to a Roth IRA. also allows retirement plan service providers to transfer some low-balance workplace retirement accounts to a plan at a new job.
Microsoft’s 401(k) Retirement Plan Details
Cordant Wealth Partners
SEPTEMBER 8, 2022
These are target date funds with a range of target retirement date options and levels of risk. The Microsoft 401(k) retirement plan offers many excellent choices among actively managed and index funds. The Plan is subject to change by Microsoft. Please see your latest Plan document for the most up-to-date information.
Tax Savings Tips for Startups
Harness Wealth
APRIL 16, 2025
The qualified business income deduction under Section 199A adds another layer of consideration, offering pass-through entities a potential 20% deduction through 2025. This strategy requires careful planning and documentation to ensure all prepaid expenses qualify for immediate deduction.
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2025 Outlook: Uncovering Retirement Opportunities for Advisors
Advisor Perspectives
JANUARY 31, 2025
The growth in US retirement assets offers potential opportunities for retirement plan advisors to likewise expand their business. Our Mike Dullaghan discusses growth opportunities in the retirement market and how to enhance client engagement.
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All the Tax Benefits You Need for Your Small Business
Harness Wealth
APRIL 17, 2025
Understanding business meal deductions Business meals continue to serve as a valuable tax deduction in 2025, with most qualifying expenses being 50% deductible when they involve legitimate business discussions with clients, customers, or associates. Partner with Harness for top-tier advisory services in financial, tax, and estate planning.
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Stocks vs. Bonds: Historical Returns, Risk, and the Case for Both
Darrow Wealth Management
MARCH 3, 2025
Retirement planning, like any type of robust financial planning, should include stress testing your investment strategy and financial plan. Last reviewed February 2025] The post Stocks vs. Bonds: Historical Returns, Risk, and the Case for Both appeared first on Darrow Wealth Management.
Journal Live - Using Consumer Research to Improve Retirement Outcomes
NAIFA Advisor Today
FEBRUARY 10, 2025
Join us on Thursday, February 27, 2025, at 12 PM Eastern for Journal Live, where we explore how consumer research can enhance retirement planning.
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What Do Financial Advisors Do?
Zoe Financial
MARCH 21, 2025
Published: March 21st, 2025 Reading Time: 6 minutes Written by: The Zoe Team Managing wealth involves more than just investingit requires careful planning, strategic decision-making, and a long-term vision. Estate Planning : Ensuring your wealth is passed on according to your wishes. What Do Financial Advisors Do?
More Secure 2.0 Retirement Enhancements Kick in This Year
Advisor Perspectives
FEBRUARY 7, 2025
In 2025, SECURE 2.0 introduces mandatory automatic enrollment in new retirement plans, increased catch-up limits for certain workers, and reduced participation requirements for long-term part-time workers. Our Mike Dullaghan highlights the details of the new provisions.
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Checking In On The United States Sovereign Wealth ETF
Random Roger's Retirement Planning
MARCH 30, 2025
Is 2025 going to be a good year for SCHD as a broad based or core holding relative to other strategies or factors? There's no way to know of course but if 2025 turns out to be a bad year for the S&P 500 then there's a pretty good probability of SCHD doing better than market cap weighting (MCW) and maybe most of the other factors.
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Are Bonds Safe During a Recession or Market Crash?
Darrow Wealth Management
FEBRUARY 26, 2025
Retirement planning, like any type of robust financial planning, should include stress testing your investment strategy and financial plan. Last reviewed February 2025] The post Are Bonds Safe During a Recession or Market Crash? After all, volatility is a when , not an if.
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2025 Tax Preparation Checklist: What You Need to File Taxes
Harness Wealth
OCTOBER 24, 2024
To plan your tax timeline, see our article, 2025 Tax Deadline Information for Individual Filers. Retirement Contributions: Proof of contributions to IRAs, 401ks, or other retirement plans, which may be deductible. Need to Find a Tax Professional for 2025? This is a product of Harness Tax LLC.
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NAIFA Stops Regulatory Creep.Again with Special Guest, President-Elect Doug Massey
NAIFA Advisor Today
AUGUST 13, 2024
Doug Massey has 40 years of experience in the financial industry, specializing in retirement planning and life insurance. As NAIFA's President-Elect for 2025, he is committed to advancing the organization's influence and protecting advisors' interests.
NAIFA Stops Regulatory Creep
NAIFA Advisor Today
AUGUST 1, 2024
Doug Massey has 40 years of experience in the financial industry, specializing in retirement planning and life insurance. As NAIFA's President-Elect for 2025, he is committed to advancing the organization's influence and protecting advisors' interests.
A Different Kind Of Barbell
Random Roger's Retirement Planning
MARCH 28, 2025
The tradeoff is that it usually goes down more when the market goes down including so far in 2025. PUTW has gone down less than the market in some events but has fared worse in other events including YTD 2025. It is a straightforward tries to beat the market stock picking fund which it usually does to the upside.
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Preparing for Medicare Changes: What Retirees Need to Know for 2025 Open Enrollment
Tobias Financial
OCTOBER 16, 2024
The Medicare industry is facing major disruptions ahead of the 2025 open enrollment, with insurers cutting benefits, raising premiums, and exiting certain markets. This has led to increased confusion for beneficiaries, particularly in deciding between Medicare Advantage and Medigap plans.
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How to Retire at 50 in 7 Easy Steps
Good Financial Cents
JANUARY 26, 2023
The stock market has returned an average of between 9% and 11% over the past 90 years and that’s the kind of growth that you’ll need to tap into if you want to retire at 50. Your retirement plan shouldn’t be. Get in touch with an Independent Financial Professional to see if you're on track to meet your retirement goals.
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Major Tax Changes Are Coming in 2026. Are You Ready?
Darrow Wealth Management
JULY 1, 2024
The TCJA has many provisions that are set to expire (sunset) at the end of 2025. 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.
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Stress Test Your Retirement Income Plan
Darrow Wealth Management
FEBRUARY 18, 2025
Don’t stress out about every headline, stress test your retirement plan instead.Markets move every day and the news cycle is 24-7. Even if actual average returns meet targets over time, market volatility can still derail your portfolio and retirement plans.
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5 Ways to Transform Tax Season Into an Opportunity with Grayson Blazek, Ep #237
Financial Symmetry
APRIL 9, 2025
Outline of This Episode (00:00) Understand how to make informed tax planning decisions and minimize surprises (07:18) Regular contributions help make saving manageable and aligned with your long-term financial goals 10:23 Significant life changes such as retirement or marriage can drastically alter tax plans (12:58) Be mindful of contribution limits (..)
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5 Proven Marketing Strategies for Financial Advisors to Boost Client Acquisition
Indigo Marketing Agency
FEBRUARY 19, 2025
Check out our Top 30 Influencers for Financial Advisors in 2025 here.) Blog posts, social media updates, webinars , and email campaigns that speak to market uncertainties, retirement planning, or financial goal-setting will resonate more with potential clients.
Did Capital Efficiency Malfunction In This Decline?
Random Roger's Retirement Planning
MARCH 11, 2025
How great have the returns been for the Mag 7 stocks for the last couple of years, but so far in 2025 most of them look like they are down mid-teens to mid-20's percent. Another dynamic that might be weighing the stocks down is the possible ending of the carried interest tax break.
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Tips for funding a Roth account in 2023
Nationwide Financial
JANUARY 26, 2023
Additional ways to fund a Roth IRA For workers with access to a 401(k) or other qualified retirement plan, a designated Roth account can be a fantastic opportunity to create a larger Roth account balance for retirement. But what if you want to get more money into a Roth IRA? Is there a better way? The answer may be yes.
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Take These Small Steps To Boost Your Retirement Savings
Validea
MARCH 27, 2023
legislation, all new retirement savings plans will automatically enroll workers beginning in 2025, unless they opt out, and gradually increasing their savings rates as the years roll on. After all, investments are customized to the individual, and retirement plans should be personalized as well, Benartzi posits.
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What Do Financial Advisors Do?
Zoe Financial
MARCH 21, 2025
Published: March 21st, 2025 Reading Time: 6 minutes Written by: The Zoe Team Managing wealth involves more than just investingit requires careful planning, strategic decision-making, and a long-term vision. Estate Planning : Ensuring your wealth is passed on according to your wishes. What Do Financial Advisors Do?
Dividends' Day In The Sun
Random Roger's Retirement Planning
MARCH 9, 2025
The Wall Street Journal has an article up this weekend about investors rotating to dividend centric stocks and funds because they are doing well in 2025 as market cap weighting has struggled, especially since mid-February. The Schwab US Dividend Equity ETF (SCHD) seems to garner the most attention.
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52 Is Your Financial Confidence Holding You Back?
Zoe Financial
MARCH 19, 2025
Published: March 20th, 2025 Reading Time: 6 minutes Written by: The Zoe Team Have you ever stood in a grocery aisle, staring at a wall of options, unable to pick one? Budgeting & saving (23%): Uncertainty about creating a plan that works. Retirement Planning (22%): Fear of running out of money or not saving enough.
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Is Your Financial Confidence Holding You Back?
Zoe Financial
MARCH 19, 2025
Published: March 20th, 2025 Reading Time: 6 minutes Written by: The Zoe Team Have you ever stood in a grocery aisle, staring at a wall of options, unable to pick one? Budgeting & saving (23%): Uncertainty about creating a plan that works. Retirement Planning (22%): Fear of running out of money or not saving enough.
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Risk Parity Funds Still Don't Work
Random Roger's Retirement Planning
APRIL 23, 2024
The plan is to create a futures contract based on DSPX in Q1 2025 which could then be a path to some sort of exchange traded product. The process to derive the Dispersion Index is kind of similar as the process to derive VIX but the information is much different.
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