DOL Opens Door for Crypto in 401(k)s
Wealth Management
MAY 28, 2025
The Department of Labor rescinded its 2022 guidance cautioning against cryptocurrency in 401(k) plans, reaffirming a neutral stance on digital assets in retirement accounts.
2022 Planning Retirement 
How Employer Roth Contributions To Solo 401(k) Plans Reduce The QBI Deduction (And Increase Taxes) For Self-Employed Workers
Nerd's Eye View
JANUARY 8, 2025
Solo 401(k) plans are a popular retirement savings vehicle for self-employed business owners. By maximizing both the employee employer contributions, solo 401(k) plan owners can often save significantly more than is possible with other types of retirement plans available to self-employed workers, like SEPs and standard IRAs.
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Small Business Retirement Plans – SEP-IRA vs. Solo 401(k)
The Chicago Financial Planner
NOVEMBER 27, 2022
One of the best tax deductions for a small business owner is funding a retirement plan. Beyond any tax deduction you are saving for your own retirement. You deserve a comfortable retirement. If you don’t plan for your own retirement who will? I generally consider this a plan for the self-employed.
Health Savings Accounts – The Other Retirement Plan
The Chicago Financial Planner
OCTOBER 21, 2021
Saving for retirement is a major undertaking for most of us. Health savings accounts (HSA) provide another vehicle to save for retirement. Many of you have the option to enroll in high-deductible insurance plans that allow the use of a health savings account via your employer. The rising cost of healthcare in retirement .
Inflation Is A Risk In Retirement, But Most Planning Technology Doesn’t Treat It That Way
Nerd's Eye View
SEPTEMBER 20, 2023
30 years ago, when financial plans relied mainly on constant investment return projections derived from straight-line appreciation and time-value of money calculations, financial advisors began acknowledging and accounting for the variable and uncertain nature of investment returns. Read More.
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Survey: Financial Advisors Have Larger Role To Play In Clients' Retirement Planning
Wealth Management
JANUARY 31, 2023
Vestwell conducted the fourth-annual “Retirement Trends Report” in fall 2022 and received responses from almost 1,300 savers, 500 financial advisors and 250 small businesses.
Navigating the Thrift Savings Plan: Planning Opportunities To Support Federal Employees, Military Servicemembers, And Veterans
Nerd's Eye View
FEBRUARY 8, 2023
Seasoned financial advisors have likely worked with clients with a wide variety of workplace retirement accounts, which can vary in terms of their investment offerings, fees, and other characteristics. In 2022, the TSP underwent a series of changes impacting its many account holders. But given that the U.S. But given that the U.S.
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How Inflation Can Impact Your Retirement Plan – What You Must Know Now!
Trade Brains
JULY 9, 2025
That means if your retirement plan underestimates medical costs, you risk serious shortfalls. at the start of 2022, given an average inflation rate of 7.5% over that period. If you planned to live on ₹1 lakh per month today, you might need ₹1.5 – ₹1.7 at the start of 2022, given an average inflation rate of 7.5%
Creative Planning Ends 2022 M&A Spree with 'Bold' $5B Buy
Wealth Management
AUGUST 16, 2022
The Wipfli Financial Advisors acquisition comes with a retirement practice and a mass-affluent focused tech platform.
America’s $7T Retirement Crisis Is Only Getting Worse
Wealth Management
AUGUST 16, 2022
Economic turmoil took a toll on savings in the first half of 2022 and that’s just the tip of the iceberg as many in the US lack employer-sponsored plans.
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Distributions of Stock in a GRAT Don’t Trigger Insider Trader Rules
Wealth Management
JULY 2, 2025
Related: Planning for Older Clients and Those with Disabilities Many GRATs include a so-called “swap” power in which the grantor is permitted to substitute assets of equivalent value with the GRAT. Smith, 2022 U.S. April 26, 2022)) has held that exercising the swap power could be considered a purchase under the insider trading rules.
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America’s $7 Trillion Retirement Crisis Is Only Getting Worse
Wealth Management
AUGUST 16, 2022
Economic turmoil took a toll on savings in the first half of 2022 and that’s just the tip of the iceberg as many in the US lack employer-sponsored plans.
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Weekend Reading For Financial Planners (May 3–4)
Nerd's Eye View
MAY 2, 2025
a ski chalet), assessing whether it will lead to greater overall wellbeing, or, alternatively, more stress, is more challenging Enjoy the 'light' reading! a ski chalet), assessing whether it will lead to greater overall wellbeing, or, alternatively, more stress, is more challenging Enjoy the 'light' reading!
$27B Choreo Taps Former Edelman Exec as CEO
Wealth Management
JULY 1, 2025
In 2022, Parthenon hired Miles as its chief executive when it bought RSM’s wealth management business and renamed it Choreo. He replaces Larry Miles, who will transition into the executive vice president of strategic partnerships role, a newly created position.
Fynancial Wins 'Best in Show' at Wealth Management EDGE Tech Demos
Wealth Management
JUNE 20, 2025
The other competitors in this year’s demos included Addepar , Altrata , BILL , Encorestate Plans , GReminders , MileMarker , Mili AI , Wealthfeed , Zeplyn and Zocks. Related: Scenes from Day 2 of Wealth Management EDGE “My parents are 67 and 68, they have the classic Dell desktop covered in dust—everything is on their phone,” he said.
How Do You Compare to National Averages?
MainStreet Financial Planning
OCTOBER 30, 2024
Whether it’s savings, retirement funds, or net worth, understanding where you stand can provide valuable perspective on your financial progress. million The Federal Reserve 2022 Survey of Consumer Finances report found that the average net worth among all households was $1.06 appeared first on MainStreet Financial Planning.
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529-To-Roth IRA Rollovers: Taking Advantage Of The New Option To Move Education Savings To Retirement Savings
Nerd's Eye View
JUNE 26, 2024
Traditionally, the challenge in using a 529 plan to save for higher education expenses has been figuring out how much to save to cover the beneficiary's college costs without overshooting and saving more in the 529 plan than is actually needed. The Secure 2.0
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Weekend Reading For Financial Planners (November 4-5)
Nerd's Eye View
NOVEMBER 3, 2023
Enjoy the current installment of "Weekend Reading For Financial Planners" - this week's edition kicks off with the news that the Department of Labor this week released its long-awaited "retirement security rule", its latest effort to curb conflicts of interest around retirement savings recommendations.
Realta Wealth Loses Interim CEO
Wealth Management
JUNE 27, 2025
The firm had been an owner-operated business until late 2022, when Ryan Hanks, founder and CEO of Madison Capital Group, a real estate investment firm, took a majority stake in Orange Street Holdings, the entity that owns Realta. Q&A: What Was Behind Schechter’s Decision to Sell to Arax?
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2 Ways the 2022 Economic Woes Affected Your Retirement Accounts
Integrity Financial Planning
JANUARY 9, 2023
The 2022 economic climate has been bumpy for most and, in some cases, even bumpier for retirees. 1] However, in 2022, this number spiked to 9.1% 2] With higher prices in consumer goods, retirees may have had to reevaluate their withdrawals and spending on retirement accounts as their income became strained.
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How Sequence-Of-Inflation Risk Impacts Retirees Beyond Just Sequences Of Returns
Nerd's Eye View
SEPTEMBER 20, 2023
30 years ago, when financial plans relied mainly on constant investment return projections derived from straight-line appreciation and time-value of money calculations, financial advisors began acknowledging and accounting for the variable and uncertain nature of investment returns. Read More.
Weekend Reading For Financial Planners (Sept 3-4)
Nerd's Eye View
SEPTEMBER 2, 2022
From there, we have several articles on investments: How Morningstar plans to simplify its rating system amid continued concerns about its effectiveness. The variety of ways individuals approach retirement, from choosing where to live to finding purpose in their daily lives.
Adviser links: fee increases
Abnormal Returns
DECEMBER 26, 2022
kitces.com) Christine Benz and Jeff Ptak discuss the recent "The State of Retirement Income" report. morningstar.com) Ryan Detrick and Sonu Varghese talk with Phil Pearlman about the connection between health and wealth planning. thinkadvisor.com) Being able to move unused 529 plan funds into an IRA is a neat trick.
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Adviser links: optimizing the wrong thing
Abnormal Returns
JULY 31, 2023
riaintel.com) Creative Planning has inked a custody deal with Goldman Sachs ($GS). morningstar.com) QLACs are coming to the 401(k) plan. theatlantic.com) 2022 saw a jump in investment fraud. riaintel.com) Retirement A certain portion of the population never wants to retire. financial-planning.com)
Weekend Reading For Financial Planners (Oct 22-23)
Nerd's Eye View
OCTOBER 21, 2022
Enjoy the current installment of “Weekend Reading For Financial Planners” - this week’s edition kicks off with the news that Congress appears poised to pass a series of changes affecting retirement planning, dubbed “SECURE ACT 2.0”, ”, by the end of the year. Social Security COLA for 2023.
Weekend Reading For Financial Planners (January 20-21)
Nerd's Eye View
JANUARY 19, 2024
Nevertheless, there is potential for many individual RIAs to expand their staffing further, with the addition of specialized planning and operations roles being seen as a potential avenue to boost firm growth.
Adviser links: client confidence
Abnormal Returns
FEBRUARY 13, 2023
wsj.com) Direct indexing Vanguard is planning a bigger push into direct indexing. wealthmanagement.com) Retirement Why most people underestimate their chances of living into old (90+) age. wsj.com) Retirement spending is more flexible than commonly thought. riabiz.com) The number of CFPs grew some 5% in 2022. (fa-mag.com)
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4 Steps to Make Your 401(k) Work as Hard as You Do
The Chicago Financial Planner
FEBRUARY 6, 2022
In spite of what was said on PBS Frontline The Retirement Gamble and elsewhere in the press, in my opinion 401(k) plans are one of the best retirement savings vehicles available. Here are 4 steps to make sure that your 401(k) plan is working hard for your retirement. Get started . Are you self-employed ?
Personal finance links: investing accordingly
Abnormal Returns
DECEMBER 14, 2022
Podcasts Christine Benz and Jeff Ptak talks with Jamie Hopkins of Carson Wealth about some common retirement planning questions. ft.com) Who really benefits from 529 plans? nytimes.com) Planning Doug Boneparth, "Cash flow lives at the heart of financial organization." morningstar.com) 20 thing to do before year-end.
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Weekend Reading For Financial Planners (Dec 3-4)
Nerd's Eye View
DECEMBER 2, 2022
Enjoy the current installment of “Weekend Reading For Financial Planners” - this week’s edition kicks off with a research study suggesting that the market volatility experienced in 2022 could increase demand for financial planning services.
How to Retire at 50 in 7 Easy Steps
Good Financial Cents
JANUARY 26, 2023
Early retirement has become a popular financial goal. Even if you never retire early, just knowing that you can is liberating! Can You Really Retire at 50? Can You Really Retire at 50? Table of Contents Can You Really Retire at 50? FAQs on Retiring Early at 50 It’s a big bold claim – retire at 50?
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Weekend Reading For Financial Planners (Sept 10-11)
Nerd's Eye View
SEPTEMBER 9, 2022
Also in industry news this week: As broker-dealers increasingly offer fee-based planning services, RIAs are responding by enhancing their own service offerings, and offering alternative fee structures to differentiate themselves from the competition.
Weekend Reading For Financial Planners (Aug 13-14)
Nerd's Eye View
AUGUST 12, 2022
From there, we have several articles on Mergers & Acquisition (M&A) trends: M&A activity so far in 2022 is set to exceed 2021’s record pace despite economic headwinds, meaning there could simply be a ‘new normal’ of higher activity regardless of the economic environment. Enjoy the ‘light’ reading!
The “Art” of Market Timing
The Big Picture
NOVEMBER 27, 2023
When you get it wrong, it crushes your retirement plans. My own track record at making big calls is pretty damned good, but none of our clients wants me slinging around their retirement monies based on my gut instinct. But when they get market timing wrong, they lose subscribers. I sure as hell don’t want to either.
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Thursday links: keeping things simple
Abnormal Returns
FEBRUARY 23, 2023
morningstar.com) It's easy to forget how bad 2022 was for retirement account investors. novelinvestor.com) Going to a four-day workweek requires planning. Markets Higher for longer, has put pressure on bond yields in February. cnbc.com) Strategy Not everyone is giving up on the crypto markets.
3 Tax Optimization Strategies to Remember for Retirement
Integrity Financial Planning
JUNE 12, 2023
As you plan for retirement, it’s important to consider tax optimization strategies to minimize your tax liabilities. Here are three key ways to optimize taxes in retirement, based on information from sources published between 2022 and 2023.
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Avoid the Unforced Investment Errors Even Billionaires Make
The Big Picture
APRIL 17, 2025
I have made some fortuitously timed buys, including Nasdaq 100 (QQQ) calls purchased during the October 2022 lows. It doesnt matter if it is Nvidia, Bitcoin, founders stock, or an employee stock option purchase plan (ESOP), sometimes the sheer size of a windfall is paralyzing. Torn about what to do, he asked my opinion.
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Is Retirement a Good Time for Roth Conversions?
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. If they converted $100,000 to a Roth on December 31st 2022, their RMD would be $3,774 less this year.
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Secure Act 2.0 to Bring Sweeping Changes to Retirement Rules
Darrow Wealth Management
DECEMBER 23, 2022
Congress is once again poised to make sweeping changes to the retirement and tax rules in the last two weeks of the year. retirement changes. retirement changes. There are many components of the 2022 Act that will impact employers that aren’t outlined below. 529 plan to Roth IRA rollovers. The Secure Act 2.0
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10 Expenses to Include in Your Retirement Budget
WiserAdvisor
OCTOBER 4, 2022
Retirement planning can be a bit complex. There are multiple factors to weigh in, right from healthcare and inflation to estate planning, business succession planning, tax planning, and more. However, the main drawback to this can be the lack of foresight regarding what and how to plan.
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Weekend Reading For Financial Planners (Aug 6-7)
Nerd's Eye View
AUGUST 5, 2022
We also have a number of articles on retirement planning: How the variability in annuity payouts across annuity providers has exploded in 2022, creating an opportunity for advisors to add value to clients by comparison shopping across insurance companies.
5 Reasons to Consider a Solo 401(k)
The Chicago Financial Planner
DECEMBER 5, 2021
For those of you who are self-employed it is important that you save for your own retirement. For 2022 these limits increase to $61,000 and $67,500. For 2022 these contribution limits increase to $20.500 and $27,000, plus the employer-funded profit sharing component in both years. Building a business is hard work.
#FASuccess Ep 407: Building Retirement Portfolios With A Liability-Driven-Investing Approach To Manage Sequence Of Return Risk, With Mark Asaro
Nerd's Eye View
OCTOBER 15, 2024
What's unique about Mark, though, is how he uses a liability-driven-investing approach to build retirement portfolios and manage sequence of return risk, with a particular focus on using closed end bond funds to generate income needed to cover his client's expenses during the early (and most financially dangerous) years of retirement.
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Five Things to do During a Stock Market Correction
The Chicago Financial Planner
JUNE 13, 2022
After a strong finish in 2020 and very solid returns in 2021, we’ve seen a lot of market volatility so far in 2022. Assuming that you have a financial plan with an investment strategy in place there is really nothing to do at this point. If not perhaps you are taking more risk than you had planned. Do nothing.
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