MainStreet Financial Planning

JUNE 23, 2023

ABLE accounts were created with the passage of the ABLE Act in 2014 and are intended to provide individuals with disabilities a way to save funds without jeopardizing their eligibility for government benefits such as Medicaid and Supplemental Security Income (SSI).

Accounting 98

Accounting Taxes Healthcare Planning 98

Brown Advisory

JANUARY 20, 2023

In 2014, an 87-year-old, retired specialty-glass importer faced more than $2 million in penalties for failing to disclose a $7 million Swiss account which dated back to the 1960s. military banking facilities; certain bank-to-bank settlements; accounts owned by certain retirement plans. In 2022, a professor with dual U.S.

Accounting 100

Accounting Compliance Taxes Banking 100

Random Roger's Retirement Planning

FEBRUARY 7, 2024

He notes " after three strong returns in its first three years (2014-16) came a string of losses. It is an unusual exposure, I am not aware of any other funds that are just reinsurance but if you know otherwise please comment. SRRIX lost -11.35% in 2017, -6.14% in 2018 and -4.47% in 2019."

Taxes 74

Taxes Portfolio Clients Investments 74

Random Roger's Retirement Planning

OCTOBER 27, 2024

Since 2014, the S&P 500 has almost tripled so 50-100% for the equity portion of a diversified portfolio is not insanely unrealistic. But what retirement plan doesn't need some level of resilience in the face of some sort of adverse market sequence?

Portfolio 52

Portfolio Accounting Retirement Retirement Planning 52

Random Roger's Retirement Planning

JUNE 30, 2024

If they can put their previous mortgage payment, lets go with $1500/mo, into a 60/40 fund, they would end up with $415,000 including the $50,000 they started with based on June, 2014-June 2024 results for the Vanguard Balanced Index Fund (VBAIX) or they'd have $500,000 if they put 80% into stocks.

Retirement 75

Retirement Math Taxes Accounting 75

The Irrelevant Investor

NOVEMBER 12, 2015

Steel had $3,340 in revenue per employee, which is $90,000 in 2014 dollars. With millions of Americans shoveling money into their retirement plans every month, there is a much greater demand for stocks than their was in the first half of the twentieth century. Today, 175 S&P 500 companies have more revenue than $15.1

Valuation 52

Valuation Retirement Planning Accounting Sales 52

Random Roger's Retirement Planning

MAY 12, 2024

It backtests to 2014. A lot of sophisticated and expensive funds that blend together for an interesting result, it's somewhat all weather but compounds better than many all weather-ish funds tend to do. I think the names are self explanatory, two of which I'd never heard of.

Asset Allocation 98

Asset Allocation Portfolio Assets Management 98

Random Roger's Retirement Planning

SEPTEMBER 30, 2024

The first one was writing for TheStreet.com from 2005 to early 2014. A few months ago I tried to submit something to them to see what the process would be like and the feed back was essentially to make it more actionable which I took as what stocks should people buy. I did not try to resubmit it after that.

Numbers 81

Numbers Taxes Investing Investments 81

The Irrelevant Investor

MAY 16, 2017

The Isolas are currently on a crusade to fix the atrocities that take place in teacher's retirement plans. They did such a good job for their clients that by 2014, the business had grown too big and Tony would no longer be able to work in the school. Tony taught U.S.

Retirement Planning 52

Retirement Planning Commission Clients Education 52

Random Roger's Retirement Planning

DECEMBER 7, 2023

Would you be ok in a year like 2014 when ANNPX was only up about half of what the S&P 500 was up or 2021 where the disparity was much greater? If you think of this as an alt, then anything you might ever do in this space needs to be sized properly.

Portfolio 75

Portfolio Management Clients Marketing 75

Random Roger's Retirement Planning

JULY 22, 2022

We bought our current cabin in 2012 and sold the first one in 2014. In 2001 I got laid off from Schwab, sold our house in Scottsdale while I went to work at Fisher Investments for most of 2002, keeping our cabin in Walker which we moved into full time late that year and have been living in Walker ever since.

Investments 75

Investments Investing Taxes Retirement 75

Random Roger's Retirement Planning

JULY 31, 2023

QLACs came about in 2014. The comments have plenty of naysayers on QLACs, they are worth reading. I'll stipulate every negative point about annuities. I've long said that many people I've known who have had annuities love them, warts and all. Basically, you can take the lesser of either 25% or $200,000 from an IRA account to buy a QLAC.

Retirement 73

Retirement Accounting Insurance Numbers 73

Random Roger's Retirement Planning

DECEMBER 21, 2023

The Global X S&P 500 Covered Call ETF (XYLD) has been around since 2014 and while it has lagged the plain vanilla S&P 500 badly, its annualized total return is still 5.78%. Where ISPY is selling covered calls, then a blowup seems unlikely, lagging by a lot seems like the bigger risk.

Portfolio 75

Portfolio Asset Allocation Marketing Marketing 75

Random Roger's Retirement Planning

SEPTEMBER 28, 2024

The partial year of 2014, only quality, the green bar, was close to market cap weighted. While the there is differentiation in performance, less so with quality, there doesn't appear to be reliable crisis alpha with these. That is important for setting expectations.

Taxes 52

Taxes Valuation Marketing Marketing 52

Brown Advisory

JANUARY 20, 2023

In 2014, an 87-year-old, retired specialty-glass importer faced more than $2 million in penalties for failing to disclose a $7 million Swiss account which dated back to the 1960s. military banking facilities; certain bank-to-bank settlements; accounts owned by certain retirement plans. In 2022, a professor with dual U.S.

Accounting 52

Accounting Compliance Taxes Banking 52

Random Roger's Retirement Planning

JULY 24, 2024

Back in July 2014, when our backtest started, the ten year US Treasury yield was hovering between 2.40% and 2.60%. Additionally, foreign equities have lagged domestic for many years and 60/10/10/10/10 obviously had much less exposure to domestic than VBAIX. What 60/10/10/10/10 did was avoid obvious interest rate risk.

Portfolio 52

Portfolio Taxes Numbers Marketing 52

Brown Advisory

NOVEMBER 12, 2015

The highest federal marginal tax bracket in 2015 is 39.6% (as it was in 2014). To reduce your AGI, you might consider looking into postponing income from retirement plan distributions, capital gains and even employer bonuses-from one year to another in order to manage the amount of AGI realized in any given year.

Planning 52

Planning Taxes Distribution Medical 52

Tucker Advisors

APRIL 4, 2023

But the Bureau of Labor data shows that something else has also occurred over the last four decades: People lost their pensions (defined benefit plans) and were forced into defined contribution plans, usually in the form of 401(k)s. Conversely, workers who only have 401(k)s or defined contribution plans, rose from 9 to 34%.

Retirement 75

Retirement Accounting Budgeting Planning 75

The Big Picture

DECEMBER 6, 2022

It has to be such a different set, the retirement planning is different, the safety net is different. RITHOLTZ: So you joined Global X in 2014. I joined Global X in 2014, and we have, if I remember correctly, approximately $1.5 So a phenomenal learning experience with both Jefferies and Morgan Stanley. BERRUGA: Yeah.

Clients 157

Clients Investments Investing Management 157

Brown Advisory

JUNE 21, 2017

A white paper entitled " Active Alpha ," published by Brown Advisory in 2014, highlights several factors, including: Independent thinking: Studies have shown that managers whose portfolios differ significantly from their benchmarks are more likely to outperform.

Investments 52

Investments Investing Portfolio Management 52

Brown Advisory

JUNE 21, 2017

A white paper entitled " Active Alpha ," published by Brown Advisory in 2014, highlights several factors, including: Independent thinking: Studies have shown that managers whose portfolios differ significantly from their benchmarks are more likely to outperform.

Investments 52

Investments Investing Portfolio Management 52

Good Financial Cents

DECEMBER 28, 2022

Contribution Year 49 and Under 50 and Over (Catch Up) 2023 $6,500 $7,500 2022 $6,000 $7,000 2020 $6,000 $7,000 2019 $6,000 $7,000 2018 $5,500 $6,500 2017 $5,500 $6,500 2016 $5,500 $6,500 2015 $5,500 $6,500 2014 $5,500 $6,500 2013 $5,500 $6,500 2012 $5,000 $6,000 2011 $5,000 $6,000 2010 $5,000 $6,000 2009 $5,000 $6,000.

Distribution 105

Distribution Taxes Retirement Accounting 105

Good Financial Cents

APRIL 10, 2023

A good example of this is Warren Buffet, who still lives in the home he bought in 1958 and drives a 2014 Cadillac XTS. Ad Make your retirement plan work for you by investing in a Roth IRA. Roth IRAs allow you to save money for retirement, while providing the flexibility that traditional retirement plans lack.

Accounting 110

Accounting Assets Investments Investing 110

Discipline Funds

NOVEMBER 17, 2023

according to Siegel (2014). And they’re the things that can blow up a retirement plan if you don’t make conservative estimates that properly account for them. The worst narrative in finance is this idea that stocks generate 10%+. The reality is that stocks have averaged about 4.4% according to Dimson (2020) or 6.6%

Financial Planner 115

Financial Planner Budgeting Taxes Retirement 115

Nationwide Financial

JANUARY 5, 2023

Wetzel moved into the Glen Saint Andrew Living Community, a senior residential facility in Niles, Illinois, in 2014 after her partner of 30 years died of cancer. One recent example of the type of discrimination that LGBTQ+ seniors fear as they age is the story of Marsha Wetzel.

Planning 64

Planning Clients Insurance Budgeting 64

The Irrelevant Investor

APRIL 15, 2020

So for example, researchers look at the median income of the middle quintile in 1975 and compare that to the median income of the median quintile in 2014, say. Instead, they rely on a snapshot at two points in time. When they find little or no change, they conclude that the average American is making no progress.

Executive Compensation 52

Executive Compensation Economy Retirement Planning Numbers 52

Aleph

DECEMBER 31, 2022

I did sorted weekly tweets from 2012 to 2014, then I stopped tweeting as much for a while, and so discontinued them. Part of Spending Bill, Changes Retirement Planning [link] Marginal ideas at best Dec 27, 2022 Going Boldly: The Retirement Savings for Americans Act 2022 [link] This will do less good than most imagine.

Banking 59

Banking Government Advertising Taxes 59

Indigo Marketing Agency

JANUARY 25, 2025

Ed Slott Reason to Follow: Americas IRA expert with unparalleled expertise With almost 50 years in the industry, Ed Slott is widely regarded as the leading expert on IRAs and retirement planning. His workshops, PBS specials, and books help financial professionals master tax-efficient strategies for their clients. Find him on LinkedIn.

Financial Advisor 52

Financial Advisor CFP Education Clients 52