Random Roger's Retirement Planning
JULY 1, 2025
Obviously all four were much better in 2022 but not this year at the April lows. The max drawdown numbers all hit in August, 2022. MBB's max drawdown by itself came a little later in 2022 down 16.91%, the AGG max drawdown that year was 17.38% and iShares 10-20 Year Treasury ETF (TLH) bottomed out down 32%.
Darrow Wealth Management
NOVEMBER 17, 2022
In November 2022, proponents of the Massachusetts ‘millionaires’ tax (question 1) won their bid to nearly double the income tax rate on individuals with taxable income over $1M a year. Taxachusetts is back. Starting in 2023, a 4% surtax will be applied to taxable income and capital gains over $1M.
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Cordant Wealth Partners
SEPTEMBER 7, 2022
The federal limit on pre-tax individual contributions into a 401(k) for 2022 is $20,500 plus an extra $6,500 catch-up contribution for those over 50. But, the federal limit, pre- and post-tax,on total 401(k) contributions is $61,000 in 2022. Should I contribute to my Deferred Compensation Plan (DCP) or the Mega Backdoor Roth?
Cordant Wealth Partners
SEPTEMBER 27, 2021
Planning Note: In some of the proposed tax changes currently in Congress for 2022, this Mega Backdoor Roth option is eliminated. Microsoft’s ESPP (Employee Stock Purchase Plan) allows employees to contribute up to 15% of their salary towards the purchase of Microsoft shares. Planning opportunities with the ESPP: Enroll!
Cordant Wealth Partners
SEPTEMBER 9, 2022
Planning Note: In some of the proposed tax changes currently in Congress for 2022, this Mega Backdoor Roth option is eliminated. Microsoft ESPP Microsoft’s ESPP (Employee Stock Purchase Plan) allows employees to contribute up to 15% of their salary to purchase Microsoft shares. 2021 could be your last chance to participate.
Cordant Wealth Partners
SEPTEMBER 8, 2022
Microsoft Technology Licensing, Undead Labs The Microsoft 401(k) plan is part of the comprehensive benefits offering that includes the Microsoft Corporation Employee Stock Purchase Plan and the Microsoft Corporation Deferred Compensation Plan. There is no match for catch-up contributions for those 50 or over.
Zoe Financial
MARCH 22, 2023
Avoid Dependency Other sources of income that some people receive include a pension, deferred compensation plan, or the sale of a business. Was Blake Lively Financially Cheated On? Pensions used to be how almost everyone retired.
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