Nerd's Eye View

JUNE 21, 2024

Also in industry news this week: A recent survey indicates that financial advisors continue to move towards ETFs and away from mutual funds when it comes to client portfolio recommendations, though a majority of advisors continue to see a role for active management in the investment management process A former employee has filed a lawsuit alleging (..)

Financial Planner 232

Financial Planner Financial Advisor Taxes Math 232

oXYGen Financial

APRIL 14, 2024

![CDATA[ Here's the future… you pay Social Security tax on ALL of your income? It's unfortunate that most politicians and economists don't explain our $34 trillion dollars of debt in a more simple fashion, so here's some insight on how the basic math works.

Math 52

Math Taxes 52

Abnormal Returns

SEPTEMBER 18, 2023

theirrelevantinvestor.com) Taxes Why clients need to start planning now for the coming dip in the estate tax exemption. riaintel.com) How to think about the math of entering a continuing care retirement community or CCRC. (riabiz.com) RWM A lot of changes have happened in ten years at Ritholtz Wealth Management.

Planning 264

Planning Financial Advice Wealth Management Math 264

Abnormal Returns

APRIL 1, 2024

morningstar.com) Thomas Kopelman and Jacob Turner talk with Ankur Nagpal about tax considerations when selling a business. thinkadvisor.com) Solo 401(k) contribution math can be tricky. podcasts.apple.com) Jordan Haynes talks with Justin Castelli about the important role of life planning. obliviousinvestor.com)

Wealth Management 258

Wealth Management Math Retirement Retirement Planning 258

The Big Picture

MAY 9, 2024

Not if you spend tax season on a boat! I doubt he’s run the real numbers of being invested in the stock market tax deferred with an additional company match. There is lots more: A slew of bad tax advice likely to get-you-sent-to-jail-for-tax evasion: Live on a boat during tax season! Want to earn more money?

Media 336

Media Taxes Math Investments 336

The Big Picture

OCTOBER 20, 2023

“I need the US Dollar to be a store of value between the time I make it until I spend it, invest it, pay my taxes with it, or give it away. To be more precise, I want to discuss the type of chart that reflects a fundamental misunderstanding of the nature of money, currency, spending, investing, and taxes. and paying taxes.

Investing 340

Investing Investments Math Medicine 340

Diamond Consultants

OCTOBER 10, 2023

When it comes to the services they provide to clients, advisors layer in activities such as tax preparation, estate planning, and concierge services to not only satisfy growing client requirements but also to justify a fee increase or generate new sources of revenue.

Math 52

Math Recruitment Consulting Clients 52

The Big Picture

AUGUST 12, 2024

Sorry, but “fake it till you make it” seems like a poor plan for thinking about the future… Previously : Time to Stop Believing Deficit B t (September 3, 2021) Stimulus, More Stimulus and Taxes (January 25, 2021) Cost of Financing US Deficits Falls (December 18, 2020) Can We Please Have an Honest Debate About Tax Policy?

Economy 347

Economy Taxes Investing Investments 347

The Big Picture

FEBRUARY 17, 2023

Wall Street Journal ) • From Math Camp to Handcuffs: FTX’s Downfall Was an Arc of Brotherhood and Betrayal : Gary Wang and Sam Bankman-Fried are offering dueling accounts of the FTX fiasco and of who’s ultimately to blame. Most economic downturns hit lower-income Americans hardest, but this time is different. Here’s your investing playbook.

Math 290

Math Advertising Food Retail 290

Mullooly Asset Management

JULY 28, 2022

” In this week’s podcast, Tom and Casey debunk this common misconception by explaining the math behind required minimum distributions. In this week’s podcast, Tom and Casey debunk this common misconception by explaining the math behind required minimum distributions.

Distribution 52

Distribution Accounting Math Retirement 52

The Big Picture

NOVEMBER 27, 2023

This is before we get to the issue of capital gains taxes, which create a hurdle of (minimum) 20% on those pesky profits just to get to breakeven. 24, 2023 _ 1: In particular, why average outperforms over the long run; Sommers credits not making errors (via Charlie Ellis’ “Winning the Loser’s Game”) but the nuance and math are fascinating.

Marketing 304

Marketing Marketing Math Retirement Planning 304

Random Roger's Retirement Planning

NOVEMBER 6, 2023

It's been a while since this sort of thing was relevant for my day job so something could have changed, weeklies didn't exist for example, but if my math is correct then it was way over exposed which would account for last week's decline in the fund price. Please leave a comment if I did the work incorrectly.

Math 105

Math Education Management Taxes 105

The Big Picture

FEBRUARY 10, 2023

Bloomberg ) • How Florida Beat New York : People are leaving superstar blue cities and moving to red states — its more than better weather ands lower taxes, its much cheaper housing costs. ( Businessweek ) • The Super Bowl’s Most Reliable Stock Market Indicator? technology into its search engine. (

Math 173

Math Engineering Manufacturing Investments 173

Cornerstone Financial Advisory

JANUARY 8, 2024

The interactive tax assistant tool can also help to determine your filing status and any relevant credits you should (or should not) claim. Math errors: Simple addition and subtraction mistakes can delay your return. Consider using electronic filing software that does the math automatically to avoid mistakes.

Marketing 98

Marketing Marketing Taxes Economics 98

The Big Picture

OCTOBER 23, 2023

Your grandchildren will blame the toxic combination of incompetency and ideology for the massively increased carrying costs of unfunded spending and tax cuts. Note that we undertook much of the work anyway (airports, electrical grid, roads, etc.), just decades later at a much greater cost. All simply unnecessary.

Government 334

Government Economics Taxes Budgeting 334

Random Roger's Retirement Planning

JUNE 3, 2024

Part of the equation is that he is convinced that tax rates have to go up to pay for out debt and so converting to a Roth now before tax rates do go up will result in people ending up with more after tax dollars versus just going the RMD route at what is now 73 on its way to 75. This has been his thing for a long time.

Numbers 98

Numbers Taxes Retirement Accounting 98

Random Roger's Retirement Planning

JUNE 11, 2024

I would say that is a very big bet but the math in their backtest supports it. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation.

Math 98

Math Portfolio Management Taxes 98

Random Roger's Retirement Planning

JUNE 30, 2024

We've gone over the math before that starting as late as 55 can catch a lot of the way up if they can afford to save a very high percentage of their income. Smart Asset calculates $70,000 gross income working out to $57,187 after tax. It is pretty clear that all age cohorts are woefully undersaved but, yeesh, I don't know about that.

Retirement 75

Retirement Math Taxes Accounting 75

Carson Wealth

FEBRUARY 22, 2023

A million dollars breaks down into an annual amount of about $30,000 over 30 years (not counting taxes, etc.). Understand Your Plan The best kind of money isn’t old, new or even tax-advantaged – it’s  free  money! Two of the most popular are Traditional and Roth 401(k), which are primarily different because of tax treatment.

Retirement 98

Retirement Taxes Planning Math 98

Random Roger's Retirement Planning

FEBRUARY 29, 2024

The simple 40 year trade for bonds of "number go up" is finished and as a matter of math, can't be repeated. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation. Taking volatility out of a fixed income portfolio is fairly simple.

Marketing 95

Marketing Marketing Math Portfolio 95

Darrow Wealth Management

SEPTEMBER 7, 2023

Pros and cons of exercising stock options in a pre-IPO window If you are new to the tax implications and basics about exercising stock options, please read this article first. Unfortunately, for those tax savings to materialize, the post-IPO stock price at sale must be considerably more than the pre-IPO valuation at exercise.

Wealth Management 95

Wealth Management Taxes Tax Planning Valuation 95

Random Roger's Retirement Planning

AUGUST 1, 2024

Despite the leveraged semiconductor ETFs, when blended with USMV, the portfolio is underweight technology versus the S&P 500 using simple math, it works out to about 26% versus closer to 40% for the S&P 500. Consider the following two portfolios.

Math 52

Math Portfolio Taxes Accounting 52

Darrow Wealth Management

OCTOBER 1, 2022

However, if the goal is to pay off a mortgage before retirement to spend would-be mortgage payments on other things during retirement, the math may not work out. After-tax cost of borrowing and hurdle rates. Without itemizing, most charitable gifts carry no tax benefit for example. The after-tax return on a 5% investment is 3.8%

Retirement 82

Retirement Taxes Math CFP 82

Random Roger's Retirement Planning

DECEMBER 17, 2023

These items for us include things like propane delivery (we could pay monthly), property tax and so on. Simple math is that this person needs to save $23/yr to come up with that additional $350,000. But simple math tells you that adding $5000/yr likely won't cut it. BTW, I mean that literally, it is all on a spreadsheet.

Retirement 75

Retirement Math Insurance Taxes 75

Random Roger's Retirement Planning

NOVEMBER 22, 2024

The way Portfolios 1 and 2 are weighted, the math works for being a 60/40 portfolio and then from there we add portable alpha/capital efficiency/return stacking. 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 Math Assets Clients 52

Carson Wealth

MARCH 2, 2023

After you’ve done this math, you might be wondering if you have “enough,” and certainly that’s hard to assess when there are so many unknowns. Understand Your Tax Situation It’s easy to forget about managing taxes in retirement, but the old adage applies: It’s not what you make, it’s what you keep.

Retirement 98

Retirement Taxes Accounting Financial Advisor 98

Good Financial Cents

JULY 3, 2023

Calculation Breakdown Let’s break down the math to find out how much you could earn annually with a $30 hourly wage: Consider an average workweek of 40 hours and an average year consisting of 52 weeks. Keep in mind that this calculation represents the gross annual salary, not accounting for taxes, insurance, 401K, or deductions.

Budgeting 73

Budgeting Taxes Numbers Retirement 73

Trade Brains

DECEMBER 7, 2023

The course covers an introduction to personal finance, credit cards, life insurance, health insurance, investment instruments, loans, income tax and planning, budgeting and building a strong portfolio. Also, you will learn how to plan your taxes, credit score importance and how to budget your income to create a portfolio.

Budgeting 59

Budgeting Certification Education Asset Allocation 59

Random Roger's Retirement Planning

APRIL 22, 2024

The article devoted a good amount of space to bond market math, focusing on the pain of owning the iShares 20+ Year Treasury ETF (TLT) and bond funds in general. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation.

Marketing 98

Marketing Marketing Financial Advising Math 98

Clever Girl Finance

OCTOBER 17, 2023

What about after taxes and benefits? How much an hour is 45000 a year after taxes? Some fall under different tax situations that can affect your take-home amounts. How much an hour is 45000 a year…after taxes? How much an hour is 45000 a year after taxes? So, 45,000 a year is how much an hour?

Taxes 52

Taxes Numbers Math Budgeting 52

Clever Girl Finance

FEBRUARY 10, 2023

And don't worry if math isn't your thing because we've included 50 30 20 budget spreadsheet ideas to help you stay on top of your budgeting strategies. You start off with your after-tax income , which represents 100% of what you have to work with, and then you work out the different spending groups from there.

Budgeting 98

Budgeting Taxes Transportation Healthcare 98

Clever Girl Finance

SEPTEMBER 11, 2023

And don’t worry if math isn’t your thing because we’ve included 50 30 20 budget spreadsheet ideas to help you stay on top of your budgeting strategies. You start off with your after-tax income, which represents 100% of what you have to work with, and then you work out the different spending groups from there.

Budgeting 90

Budgeting Taxes Transportation Healthcare 90

Random Roger's Retirement Planning

JUNE 10, 2024

We've talked just a couple of times about the market becoming increasingly concentrated which just in terms of math means that a diversified strategy will lag for as long as the big names do well. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation.

Retirement 98

Retirement Asset Allocation Math Marketing 98

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.

Taxes 52

Taxes Sales Numbers Investing 52

Bell Investment Advisors

NOVEMBER 27, 2023

For example, those inheriting an IRA might be subject to the IRS’s 10-year rule, which imposes stiff tax penalties on certain beneficiaries who fail to withdraw the full balance of the account within a decade of the original owner’s passing. Assets jointly held with others or in trust may be subject to restrictions that limit your options.

Accounting 52

Accounting Distribution Investment Advisor Taxes 52

Random Roger's Retirement Planning

FEBRUARY 24, 2024

In the case of real estate a 2.29% weighting and for "private equity" companies it's about 17 basis points (looked at XLF holdings and then did a little math), that's just not going to move the needle. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation.

Math 75

Math Portfolio Marketing Marketing 75

Good Financial Cents

SEPTEMBER 29, 2022

However, by doing a little math, you can easily determine your hourly wage from your annual salary. represents your gross hourly rate before taxes or other deductions. every two weeks, before taxes and other deductions like health insurance premiums, FICA, or insurance. How Much Is $55000 a Year After Taxes? Biweekly Pay.

Budgeting 64

Budgeting Taxes Transportation Insurance 64