Weekend Reading For Financial Planners (September 9-10)
Nerd's Eye View
SEPTEMBER 8, 2023
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Investment Planning Presentation Taxes 
Key Differences Between a Roth IRA and Pre-Tax Retirement Account
WiserAdvisor
APRIL 12, 2023
When planning for retirement, one of the most important decisions you will likely make is which type of retirement account to use. The Roth Individual Retirement Account (IRA) and the pre-tax retirement account are two common options. A Roth IRA is a tax-advantaged retirement savings account funded with your after-tax dollars.
Accounting 
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Webinars
Back to Basics with Reconciliations
Less Stress, More Success: Accounting Best Practices & Processes for 2025
Avoiding Lease Accounting Pitfalls in 2025: Lessons Learned from Spreadsheet Errors
Trending Sources
What Are I-Bonds? Plus Creative Ways To Include Them In Your Investment Plan
Gen Y Planning
JUNE 1, 2022
You can purchase them electronically via Treasury Direct or use your tax refund to buy a set amount of paper certificates. Plus, you can redirect up to $5,000 of your tax refund to purchasing these bonds (if you do this, you’ll actually get a paper bond). Think about this in conjunction with investing in a 529 Plan.
What To Do With The Money From The Sale Of Your Business
Darrow Wealth Management
OCTOBER 28, 2024
A strategy for managing your investments is also key: understanding your risk capacity vs appetite, balancing a need for a current income stream and future growth, and ways to be more tax efficient in taxable accounts. Put the plan into action. A liquidity event is a great opportunity to develop a long-term investment plan.
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What You Need To Know About U.S. Expatriation
Brown Advisory
MARCH 23, 2021
During the webinar they discuss how to correctly expatriate depending on your tax status and how to know if you are a covered or non-covered expatriate. If you missed the live event please see below for a recording of the discussion ( download the presentation slides ). Brown Advisory does not provide tax advice. Expatriation.
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What You Need To Know About U.S. Expatriation
Brown Advisory
MARCH 23, 2021
During the webinar they discuss how to correctly expatriate depending on your tax status and how to know if you are a covered or non-covered expatriate. If you missed the live event please see below for a recording of the discussion ( download the presentation slides ). Brown Advisory does not provide tax advice. Expatriation.
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Stop Overlooking These Valuable Workplace Benefits
Carson Wealth
OCTOBER 6, 2022
I have two friends, both in education, who literally threw away their 403(b) enrollment forms because they didn’t understand what the tax-sheltered retirement plan was. 1. Employer match on 401(k) plans. There’s not a lot of mystery surrounding the 401(k) retirement and savings investment plan.
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Identifying the four stages of transition for widows
Million Dollar Round Table (MDRT)
JULY 21, 2022
This is the time to do comprehensive financial planning: retirement planning, investment planning, tax planning and estate planning. Growth is where she begins designing her new life and starts exploring the possibilities.
An Exclusive Talk on New Certified Financial Planner (CFPCM) Certification With Mr Arun Thukral, Former MD & CEO – Axis Securities
International College of Financial Planning
JANUARY 18, 2023
He is a BFSI Industry Veteran with over 30 Years of Experience across various functions Financial planning is, in the words of renowned author Alan Lakein, “Bringing the future into the present so that you may do something about it now.” It also guides on building a client base and becoming a successful financial planner.
How Much Should I Be Saving in My 20s?
Carson Wealth
DECEMBER 1, 2022
In other words, your 20s present a financial challenge. . An individual who learns to manage $4,000 a month after taxes will be equipped to manage $14,000 or even $40,000 a month as their earnings increase over time. Employers often match a portion of this contribution to a retirement plan as an employer benefit. .
How do Financial Advisors Help in the Accumulation of Retirement Income?
WiserAdvisor
DECEMBER 15, 2023
And so they factor in variables such as your present age, preferred retirement age, and risk appetite to design comprehensive retirement investment strategies to optimize returns and minimize risks. By helping you lower your tax The impact of proper tax planning on your eventual retirement balance cannot be overstated.
DIY Money Management vs. Hiring a Professional For Your Financial Needs
WiserAdvisor
AUGUST 26, 2022
With DIY financial planning, you have complete control over your decisions and can make choices that are best for you. However, this requires you to put in dedicated time and effort on your part to track your finances and learn about accounting, taxes, and financial planning. Your present and future financial goals.
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Investing in the Future: CAPTRUST’s AI Stock Portfolio
Zoe Financial
OCTOBER 12, 2023
When clients come to me excited about investing in AI-driven companies, we zoom out to the big picture and ask questions to assess the opportunity for them as an individual, couple, or family: What does the client’s existing portfolio look like, and what exposure to AI is already present in the client’s investment lineup?
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Investing in the Future: CAPTRUST’s AI Stock Portfolio
Zoe Financial
OCTOBER 12, 2023
When clients come to me excited about investing in AI-driven companies, we zoom out to the big picture and ask questions to assess the opportunity for them as an individual, couple, or family: What does the client’s existing portfolio look like, and what exposure to AI is already present in the client’s investment lineup?
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Why Exercising Incentive Stock Options When the Stock Price is Down May Not Be Your Best Strategy
Zajac Group
AUGUST 11, 2022
However, a down stock price might mean that you could score some tax breaks if you exercise and hold some of those ISOs. When the price is down, the move might help minimize alternative minimum tax (AMT). Controlling additional shares bought outright, coupled with a disqualified ISO sale, may result in a higher after-tax value.
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5 Good Elements of a Financial Advisor
International College of Financial Planning
OCTOBER 5, 2021
Hence, you must have a passion for finance and always stay ahead in the game.The laws, regulations, and compliance requirements concerning investment, planning, and finance keep changing regularly and you must stay abreast with them. Investments, tax planning, retirement planning is a dynamic field.
List of Financial Advisors for small accounts
Sara Grillo
AUGUST 25, 2023
I have no formalized business relationship with any of the firms listed on this list at the present time. Clients are given full access to our entire offering (investments, retirement, college, insurance, tax, estate, etc.) Services: I offer investment management as an add-on to financial planning. Single parents.
The Best Ways To Start Financially Preparing for 2023
WiserAdvisor
DECEMBER 11, 2022
The New Year is an excellent time to start planning for your financial needs for the future. It is also an excellent time to plan your tax liabilities and look for ways to minimize them. Start preparing for your tax return. Tax is one of the most significant issues that you need to plan for. Tax rate. $0
This year’s Wild Crypto Debate
Sara Grillo
AUGUST 26, 2024
The idea centered on the concepts of simplicity, keeping total investment costs and taxes extremely low and developing a custom investment plan for each client using low-cost asset class and index funds. He has presented papers at conferences on topics such as investment fraud, risk management, and retirement planning.
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6 Steps You Can Take To Invest Safely
WiserAdvisor
SEPTEMBER 22, 2022
However, there are some ways to lower risk, amplify the chances of earning more returns, and above all, understand the market so you can make sound investment decisions. You can use the following process to invest your money safely: 1. Know your financial goals: Your goals are the foundation of your investment plan.
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How Many Stocks Make An Ideal Portfolio?
WiserAdvisor
DECEMBER 21, 2022
For instance, the technology sector is undergoing severe losses at present, with top companies laying off employees to curtail losses as the country moves into a speculated recession. If all of your money is invested in similar tech companies, you increase your risk substantially. Tax rate. $0.
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An Insight into Investment Advisor Courses and Training Programs
International College of Financial Planning
NOVEMBER 10, 2021
If you are planning your career in this direction, it is the right time to take the plunge in this trade. Whether you are starting up your career in this trade or looking for a mid-career switch this career option presents to you immense growth opportunities. Types of Investment Advisor Courses and Training Programs.
Workable Wealth Investing Series: What Investment Strategies Should I Use?
Workable Wealth
SEPTEMBER 16, 2020
There are also important tax considerations with this approach which usually results in a higher tax bill. . Passive investing, on the other hand, is a sound alternative that has been proven to match or outperform its active counterpart. Remember, you can always alter your investment plan as your needs evolve. .
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How to cut through insurance smoke and mirrors: find the IRR!
Sara Grillo
OCTOBER 16, 2023
He believes that this formula is ‘cleaner’ than a more tradition process, because it’s simply a cash in/cash out formula, with no taxes or hidden fees. The views expressed by guests do not necessarily represent those of Grillo Investment Management, LLC. What is AG-48, anyways? appeared first on Sara Grillo.
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Transcript: Mike Green, Simplify Asset Management
The Big Picture
AUGUST 20, 2024
He basically tried to build a stable of outside managers that he thought were interesting and, and presented interesting ideas initially. And what that will allow me to do is have minimal trading costs, minimal tax costs, and avoid all the behavioral problems that comes with active management. And so he was returning to Soros.
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How Often Should You Check Your Retirement Account Balance?
WiserAdvisor
SEPTEMBER 6, 2023
You must check your retirement account balance when you are rolling over your funds from a Traditional to a Roth account to understand your tax liabilities. A rollover attracts taxes in the year of conversion. The amount of tax you pay will be directly proportional to your average retirement account balance.
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Retirement Planning Tips: How Much an Average Person 65 and Older Spends Every Month
WiserAdvisor
JANUARY 16, 2024
Let’s consider a hypothetical scenario where your present household income is $90,000. Applying the 80% rule, you should plan on having at least $72,000 annually during your retirement years. The tax-deferred structure of a 401(k) is a compelling feature. Adopt a long-term perspective when it comes to your investments.
How to sniff out a lying grifter in a Form ADV
Sara Grillo
OCTOBER 31, 2022
It’s also important to understand the conflicts-of-interest that a financial advisor’s business model may present, because these may bias the benefit of the service in the advisor’s favor rather than yours. IMPORTANT: Never trust what an advisor says verbally. Always verify in writing. It’s usually 2-4 pages long. #2
Low cost financial advisors who WON’T cost you a bloody fortune!
Sara Grillo
MAY 16, 2022
Although the cost of financial advice has come done somewhat from past years, investment management and financial planning are still ludicrously expensive. I’m pleased to present you with a list of low cost financial advisors! Advisors who don’t take the time to present their fees this way aren’t transparent!
The Role of Emotional Factors in Your Decision to Hire An Advisor
WiserAdvisor
JULY 25, 2023
A financial advisor possesses a deep understanding of complex financial concepts and can help you navigate the intricacies of investing, retirement planning, debt management, estate planning, succession planning, tax optimization, and more. 5 emotionally driven factors to consider when hiring a financial advisor 1.
Does being a fiduciary financial advisor REALLY matter – or is it “meh?”
Sara Grillo
AUGUST 14, 2023
According to the Consumer Federation of America , When they are marketing their services to the investing public and enticing clients into handing over their hard-earned savings, these sales-based financial professionals present themselves as “trusted advisors” whose only concern is their clients’ best interest. Commissions are opaque.
This broker vs. financial advisor debate got ABSOLUTELY crazy!
Sara Grillo
DECEMBER 12, 2022
pay me for investments, for the easy work that I can outsource to a third party manager, and I’ll give you all this hard stuff for free…I don’t believe that., As a CPA, he has been preparing complex tax returns for high net-worth individuals and businesses for over ten years. Doug Twiddy. I really don’t.” – Derek Robinett.
15 Financial Advisor Website Calculators
Midstream Marketing
SEPTEMBER 24, 2019
It’s just that the key here – as always – comes down to presentation and usability. Investment Planning. This calculator is perfect for illustrating just how much money it takes to live in a place like San Francisco once things like rent, food and even taxes are accounted for.
The Other 95%
Brown Advisory
APRIL 16, 2018
In this article, we discuss how we help nonprofits develop and implement their mission-driven investment strategies, and we cover some of the specific structures that organizations can use to achieve financial and impact objectives at the same time. All charts, economic and market forecasts presented herein are for illustrative purposes only.
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The Other 95%
Brown Advisory
APRIL 16, 2018
In this article, we discuss how we help nonprofits develop and implement their mission-driven investment strategies, and we cover some of the specific structures that organizations can use to achieve financial and impact objectives at the same time. Developing Sustainable Investment Plans Standard Process, Added Layers of Thought.
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A Moment of Zen: The Wisdom of Staying Invested
Brown Advisory
JULY 19, 2017
The power of compounding should work to your advantage when investing for the long term, whether that means backing a solid company and benefiting from its business growth over time, or collecting and then reinvesting dividends and interest collected from income-generating investments. Reserve planning.
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A Moment of Zen: The Wisdom of Staying Invested
Brown Advisory
JULY 19, 2017
The power of compounding should work to your advantage when investing for the long term, whether that means backing a solid company and benefiting from its business growth over time, or collecting and then reinvesting dividends and interest collected from income-generating investments. Practical Long-Term Investing.
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Crypto – just a rock, or a good investment? (debate got wild)
Sara Grillo
APRIL 10, 2023
The idea centered on the concepts of simplicity, keeping total investment costs and taxes extremely low and developing a custom investment plan for each client using low-cost asset class and index funds. He has presented papers at conferences on topics such as investment fraud, risk management, and retirement planning.
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Managing Liquidity in the Coronavirus Market
Brown Advisory
MARCH 30, 2020
In other cases—especially during periods of market stress—we may need to focus more on market-based liquidity —in other words, whether investors can, if they need to sell for any reason, quickly find buyers for an asset and expect a fair price (and whether adverse market circumstances might cause an investment’s theoretical liquidity to dry up).
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Managing Liquidity in the Coronavirus Market
Brown Advisory
MARCH 30, 2020
In other cases—especially during periods of market stress—we may need to focus more on market-based liquidity —in other words, whether investors can, if they need to sell for any reason, quickly find buyers for an asset and expect a fair price (and whether adverse market circumstances might cause an investment’s theoretical liquidity to dry up).
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Best High-Yield Investments for 2022
Good Financial Cents
AUGUST 1, 2022
The risk we’re talking about with these high-yield investments is the potential for you to lose money. As is true when investing in any asset, you need to begin by determining how much you’re willing to risk in the pursuit of higher returns. That makes municipal bonds an excellent source of tax-exempt income in a nonretirement account.
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Advice-only financial planners are stealing the show!
Sara Grillo
MAY 23, 2022
Cody decided to become an advice-only financial planner, avoiding managing assets for clients and focusing instead just on the service of financial planning because he feels that is where the greatest value of a financial advisor lies. He does not take discretion of client assets. So the service… 0:19:15.7 So yeah, I think.
Should the CFP Board police financial advisor “bad apples”? The debate continues! (Part Two)
Sara Grillo
SEPTEMBER 26, 2022
If that’s the argument, but if you’re saying the CFP Board has a problem, it’s x, y and z, you don’t necessarily have to have a solution in order to be able to present that as a problem, I think that’s disingenuous type of argumentation, but seeing that you do kind of have a solution. See you in the next one!
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Should you cancel your CFP designation?
Sara Grillo
SEPTEMBER 12, 2022
Grillo rebuts back that when she hears middle to low-income people on the playground talking about how great it was that a CFP® professional came into their work and did a free community presentation, she’ll feel Keller’s salary is justified. #11 There are no guarantees that any information presented in this article is accurate.
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