Nerd's Eye View

NOVEMBER 4, 2022

From there, we have several articles on investment planning: While I Bonds have received significant attention during the past year, TIPS could be an attractive alternative for many client situations. A survey showing how millionaires allocate their assets and the importance they place on the recommendations of their financial advisors.

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Getting Your Financial Ducks In A Row

NOVEMBER 7, 2022

When you have the bulk of your financial assets in retirement plans, you might accidentally expose yourself to some risks that you haven’t thought about… since retirement plan assets are much more likely to be impacted by changes to legislation – as we have seen in the past. No related posts.

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Darrow Wealth Management

SEPTEMBER 19, 2024

Unlike most types of retirement plans, the SEP IRA is funded by the employer. A SEP IRA (Simplified Employee Pension Individual Retirement Account) is a type of retirement plan specifically designed for self-employed individuals and small business owners. What is a SEP IRA?

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Nerd's Eye View

MAY 1, 2023

GeoWealth has acquired its fellow TAMP First Ascent Asset Management, marrying GeoWealth’s tech-forward, open-architecture investment management platform with First Ascent’s 'concierge'-style investment and service-oriented solution (and its flat-fee TAMP business model).

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Harness Wealth

APRIL 16, 2025

Roth IRAs offer unique advantages including tax-free growth, no required minimum distributions during the owner’s lifetime, and potential tax benefits for heirs. This structure particularly benefits those expecting lower tax rates in retirement than during their working years. One of the Roth IRA’s most compelling features?

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Carson Wealth

JUNE 28, 2023

Your retirement income plan may be sending up bubbles, too, whether around Social Security, retirement account distributions, taxes or somewhere else – and these holes need to be patched up right away. So, to help your retirement plan be more airtight, let’s look at a few of the common leaks.

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Your Richest Life

APRIL 15, 2024

Do you have a plan in place for your retirement? For many people, the extent of their retirement planning includes signing up for the plan at work – which is often more of a starting point than a comprehensive retirement plan. There are also 457 plans available for some private companies.

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Integrity Financial Planning

OCTOBER 17, 2022

Know these 3 ages that can help you get the most out of your retirement accounts. At age 50, workers with certain qualified retirement plans can make annual “catch-up” contributions in addition to their normal contributions. Some 401(k) plans allow this, and others do not. Required Minimum Distributions at age 72.

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Cordant Wealth Partners

SEPTEMBER 8, 2022

According to research firm Cerulli Associates, Fidelity is a leading 401(k) plan provider with over $2.4 trillion in assets and more than a third of total 401(k) assets. Microsoft can offer a broad range of investment choices for plan participants through this platform. Microsoft’s 401(k) provider is Fidelity Investments.

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Park Place Financial

NOVEMBER 29, 2022

Retirement Planning 5 Ways to Catch Up on Retirement Planning Later in Life Schedule a Complimentary Financial Review CLICK HERE TO SCHEDULE. Retirement is a significant investment, which is why so many financial experts recommend establishing goals and starting when still a younger adult. SIMPLE 401(ks) and IRAs

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Getting Your Financial Ducks In A Row

OCTOBER 17, 2022

Two primary goals of the IRA were to provide a tax-advantaged retirement plan to employees of businesses that were unable to provide a pension plan; in addition, to provide a vehicle for preserving tax-deferred status of qualified plan assets at employment termination (rollovers).

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Harness Wealth

JANUARY 29, 2025

The IRS implements whats known as the wash-sale rule, which prohibits you from buying a substantially identical security within 30 days before or after the sale of a loss-producing asset. Charitable Contributions Consider donating appreciated assets such as stocks or real estate. Available to taxpayers aged 70.5

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Darrow Wealth Management

SEPTEMBER 26, 2024

Further, unlike retirement accounts, assets in a brokerage account can be used for any purpose at any time without early withdrawal penalties. For high-income individuals, maxing out annual 401(k) contributions likely won’t be enough to maintain an equal lifestyle in retirement , especially if you wish to retire early.

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Carson Wealth

MARCH 14, 2024

If you’re not, put a plan in place, get on the right track. 2. Leave It Where It Is You may elect to do nothing and leave your assets in your old 401(k). Be sure you know the details on balance requirements before you do – the account balance may need to exceed a certain balance to be allowed to stay in the plan.

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WiserAdvisor

SEPTEMBER 13, 2023

While grappling with various aspects of retirement planning, it is imperative to acknowledge a critical factor that often does not receive its due attention – longevity risk. While this is undoubtedly positive, it introduces the challenge of ensuring that your financial resources last an extended retirement period.

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Darrow Wealth Management

NOVEMBER 20, 2023

If you think retirement planning moves stop at retirement, think again. Although it won’t make sense in every situation, retirement can be a unique opportunity for Roth conversions for some investors. The example above assumes the couple does not need the full distribution from the IRA to meet lifestyle expenses.

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MainStreet Financial Planning

MARCH 7, 2023

Form 1099-DIV is sent to investors who receive dividends and distributions. Form 1099-R reports distributions from pensions, annuities, retirement plans etc. Records for any stocks or other investments you sold in 2022, including crypto transactions or other digital assets. Did you have AMT? Do you have dependents?

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Integrity Financial Planning

AUGUST 28, 2022

Understand the basics first, and then create an estate plan. Wills and trusts are both important estate planning tools with important differences. A will ensures property is distributed after your passing, according to your wishes, while a trust goes into effect as soon as you create it. A Will vs. a Trust.

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Fortune Financial

JUNE 2, 2023

Unlocking the Power of Net Unrealized Appreciation (NUA) Many workers receive company stock as part of their compensation package or can take advantage of a company 401(k) plan, choosing from a menu of mutual funds, exchange-traded funds and company stock for their investments. The remaining assets may be rolled over.

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Random Roger's Retirement Planning

NOVEMBER 28, 2024

The first example to look at they call Leverage In The Strategic Asset Allocation via this table in the paper. The distribution of results are pretty even. These are easy to model. We'll use Fidelity Low Volatility Factor ETF (FDLO) as a proxy for low volatility for this post. The results here are consistent with the paper.

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Walkner Condon Financial Advisors

NOVEMBER 11, 2022

As we look forward to 2023, the IRS recently announced that the contribution limits for employer-sponsored retirement plans are going up. You may want to review your contribution amounts and adjust for January payrolls if your goal is to maximize funding your retirement plan contributions. . IRA Accounts.

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Carson Wealth

OCTOBER 3, 2024

Plan for Healthcare Healthcare is one of the biggest uncertainties in retirement planning. There are approaches to investing in retirement that seek to align your risk tolerance with your need to turn investment assets into retirement income.

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Darrow Wealth Management

NOVEMBER 17, 2022

Further, both examples ignore other sources of income, such as wages, pre-tax retirement account distributions, dividends, etc., Considering tax planning strategies to reduce the impact of the new MA surtax. Further, if you weren’t planning to sell the asset, it’s usually not advisable to do so for tax reasons alone.

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Fortune Financial

DECEMBER 23, 2022

Tax benefits and owner retirement savings options also make establishing a 401(k) plan a smart choice for employers. This guide will help you learn more about the advantages of offering retirement plans to employees, how to get started and options for effectively distributing plan information.

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Good Financial Cents

SEPTEMBER 29, 2022

That will give you an opportunity to invest in crypto on the same platform where you hold other assets. Crypto is considered to be an alternative asset that represents a diversification away from more traditional financial assets like stocks and bonds. Unlike most other assets, crypto is not backed by anything.

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Good Financial Cents

JANUARY 17, 2023

And how does it compare to the 401k and other retirement plans that exist? Being a self-employed retirement plan , the SIMPLE IRA gives you the discretion of what exactly you want your money invested into. . Most retirement plans — 401(k)s, regular IRAs, or Roth IRAs, etc. What is a Simple IRA?

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Random Roger's Retirement Planning

SEPTEMBER 2, 2022

New assets in to the fund and the passing of existing fund holders become potential sources for higher payouts. There's pending legislation that if passed could be very favorable for retirement savers and retirees in terms of providing more flexibility. Stay tuned.

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Random Roger's Retirement Planning

MARCH 2, 2025

Barron's wrote about the difficulty of spending down accumulated assets in retirement. XYLD's distributions appear to be 60/40 but only a medium degree of confidence on that so check for yourself. WIW is the Western Asset Inflation Linked Opportunity and Income Fund. Several quick hits today.

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Carson Wealth

DECEMBER 1, 2022

Take Advantage of Retirement Plans and Matching Contributions. Most employer retirement plans allow you to save on a tax-deferred basis, meaning that contributions into these types of accounts are not considered in calculating your taxable income. . Determine an Appropriate Risk Tolerance for a Longer Time Horizon .

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Darrow Wealth Management

OCTOBER 29, 2024

Your asset allocation is the percentage of your portfolio that you distribute between different asset classes, like stocks and bonds. To rebalance your portfolio, you’ll buy and sell certain investments to realign to your accounts with your desired asset allocation. Why do you need to rebalance your portfolio?

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Darrow Wealth Management

JULY 1, 2024

Business owners may be able to accelerate tax-deferred savings even more through different retirement plan structures. Optimize your investments with asset location If investors haven’t already been working to optimize their tax situation with asset location, now is the time.

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WiserAdvisor

FEBRUARY 19, 2024

Blind spots in retirement planning are those aspects that are often overlooked, either intentionally or subconsciously. From seemingly harmless low-interest debt to underestimating the emotional impact of transitioning out of the workforce, various factors can disrupt your peace of mind during your retirement years.

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WiserAdvisor

OCTOBER 9, 2023

The rules surrounding Individual Retirement Accounts (IRAs) undergo frequent and impactful changes. While IRAs are a cornerstone for many retirement plans, these accounts being inherited adds a layer of complexity to them. The IRS has instituted separate rules and options for each category.

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Fortune Financial

APRIL 11, 2024

As these resources lay idle, they may miss out on potential growth through investment returns, compounding the challenge of securing a comfortable retirement. This suggests that the total value of uncashed retirement plan checks could easily exceed $500 million cumulatively.”

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Good Financial Cents

MARCH 29, 2023

Roth IRAs don’t come with Required Minimum Distributions (RMDs) at age 72 like a traditional IRA either, so you can continue letting your money grow until you’re ready to access it. When you do decide to take distributions from a Roth IRA, you won’t have to pay income taxes on that money. Not sure about your future tax brackets?

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Integrity Financial Planning

APRIL 2, 2023

For high-net-worth individuals and families, retirement is a significant shift. A high-net-worth individual, also known as an HNWI, is typically someone with at least $1 million in cash or assets that can be easily converted into cash, including stocks, bonds, mutual fund shares, and other investments. [1]

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Nationwide Financial

AUGUST 2, 2022

There is concern, however, that the 4% rule does not account for the goals of the retiree, asset location, or taxation. There is concern, however, that the 4% rule doesn’t account for the goals of the retiree, asset location, or taxation. In addition, location of assets is generally not considered in the 4% rule.

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