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.

Investing 245

Investing Investments Retirement Planning Banking 245

Carson Wealth

AUGUST 25, 2022

often fail to consider sequence of return, housing, longevity, health or family risks faced in retirement. Focus on Your Retirement Plan Rather Than a Magic Number. would be “How do I plan for retirement?“ Social Security is a federal retirement plan originally created under the Social Security Act of 1935.

Retirement Planning 98

Retirement Planning Retirement Planning Certified Financial Planner 98

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.

Financial Planner 246

Financial Planner Retirement Planning Education Financial Advisor 246

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.

Financial Planner 241

Financial Planner Retirement Planning Retirement Financial Planning 241

The Chicago Financial Planner

FEBRUARY 6, 2022

You may be able to do everything online, otherwise contact the plan administrator at your company. There are a number of retirement plan options to consider. If you don’t have a retirement plan in place for yourself, do this today. You work way too hard not to be putting something away for retirement.

Retirement Planning 189

Retirement Planning Retirement Financial Planner Planning 189

Nerd's Eye View

SEPTEMBER 20, 2023

But despite recognizing the impact of investment variability and sequence of return risk on a financial plan, advisors have generally ignored the same historical trends for inflation in their clients' financial plans.

Financial Planning 246

Financial Planning Risk Tolerance Retirement Planning Planning 246

Nerd's Eye View

SEPTEMBER 20, 2023

But despite recognizing the impact of investment variability and sequence of return risk on a financial plan, advisors have generally ignored the same historical trends for inflation in their clients' financial plans.

Retirement 246

Retirement Planning Financial Planning Risk Tolerance 246

Nerd's Eye View

SEPTEMBER 2, 2022

We also have a number of articles on retirement planning: New research suggests that while the average senior will amass hundreds of thousands of dollars in health care expenses in retirement, the net cost they have to pay is not nearly as high.

Financial Planner 246

Financial Planner Strategic Planning Retirement Planning Retirement 246

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.

Financial Planner 246

Financial Planner Compliance Insurance Retirement Planning 246

Nerd's Eye View

FEBRUARY 8, 2023

Roth contribution options and employer matches) are common to other workplace-defined contribution plans, the TSP has certain unique attributes, including lower fees than many private-sector plans and a fixed-income investment option exclusive to the plan. While many features of the TSP (e.g.,

Planning 246

Planning Retirement Retirement Planning Government 246

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. The less it matters, the easier it is to be bold and outside of the mainstream.4

Marketing 304

Marketing Marketing Math Retirement Planning 304

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.

Financial Planner 246

Financial Planner Fiduciary Duty Retirement Retirement Planning 246

Good Financial Cents

SEPTEMBER 29, 2022

In this guide, we’re going to present the 10 best long-term investment strategies for 2022. The table below provides a quick summary of each of the 10 best long-term investment strategies for 2022, along with the main features and benefits of each. Below is our list of the 10 best long-term investment strategies for 2022.

Investments 109

Investments Investing Retirement Planning Risk Tolerance 109

The Chicago Financial Planner

DECEMBER 5, 2021

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. The Solo 401(k) can be a great self-employed retirement plan. If you are self-employed you need to start saving for your retirement.

Retirement Planning 155

Retirement Planning Retirement Accounting Financial Planner 155

Integrity Financial Planning

OCTOBER 17, 2022

Know these 3 ages that can help you get the most out of your retirement accounts. At age 50, workers with certain qualified retirement plans can make annual “catch-up” contributions in addition to their normal contributions. 3 Now, many retirees have more time to let their retirement savings grow tax-free. 3] IRS.gov.

Accounting 95

Accounting Retirement Retirement Planning Distribution 95

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. 1] [link]. [2]

Accounting 97

Accounting Retirement Economics Financial Planning 97

Nationwide Financial

JANUARY 25, 2023

Last year’s considerable losses and market fluctuations underscore the need for clients to assess their retirement plans to ensure it aligns with their objectives, financial situations, timelines, and attitudes toward market volatility. Here are some key points to use with clients as you help them assess their retirement plans.

Risk Tolerance 102

Risk Tolerance Retirement Planning Asset Allocation Retirement 102

Integrity Financial Planning

OCTOBER 3, 2022

With market volatility and inflation affecting people’s finances, talk about investment strategies and portfolio longevity seems to dominate retirement planning conversations. But one of the most important aspects of retirement is often overlooked in these conversations: healthcare costs. 1] [link]. [2] 2] [link]. [3]

Healthcare 98

Healthcare Retirement Planning Retirement Insurance 98

Nationwide Financial

APRIL 19, 2023

As multiple recessionary signs flash red including bank failures, persistent inflation, and ongoing volatility, investors of all ages are increasingly nervous about the state of the markets and economy and what it means for their retirement plans and their ability to save for retirement.

Retirement Planning 96

Retirement Planning Retirement Clients Planning 96

Walkner Condon Financial Advisors

NOVEMBER 11, 2022

2022 has been a difficult and trying year for stock and bond indexes in both emerging and developed markets. As we look forward to 2023, the IRS recently announced that the contribution limits for employer-sponsored retirement plans are going up. 529 College Savings Plans. The gift limit for 2022 is $16,000.

Insurance Coverage 98

Insurance Coverage Retirement Planning Accounting Taxes 98

Random Roger's Retirement Planning

OCTOBER 13, 2024

The risk of selling volatility this way is that the market gets hit either with a fast decline like the 2020 Pandemic Crash or a slower large decline like in 2022 causing the short puts to get assigned. Munnell along with Teresa Ghilarducci are like the aunties of retirement which I am saying in a positive way. People have busy lives.

Retirement Planning 98

Retirement Planning Retirement Planning Distribution 98

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. The S&P 500 index was down about 17.6% on a year-to-date basis as of Friday’s close. The combination of higher inflation, higher interest rates and the situation in Ukraine are all fueling this market volatility.

Risk Tolerance 188

Risk Tolerance Marketing Marketing Financial Planner 188

Random Roger's Retirement Planning

JUNE 2, 2025

The Invenomic Fund (BIVIX) that we've looked at a few times is seriously skewed by two phenomenal years in 2021 and 2022 when it was up 61% and then 50%. If I had gotten a real answer I would have asked the same for 2022. In 2022, UPAR was down 30%. I asked three different AIs why it did so well in 2021.

Portfolio 59

Portfolio Assets Management Banking 59

Darrow Wealth Management

DECEMBER 23, 2022

There are many components of the 2022 Act that will impact employers that aren’t outlined below. would permit employers to make matching contributions to an employee’s 401(k) and 403(b) retirement plan, even if the worker isn’t saving themselves. Here are some of the biggest changes in the Secure Act 2.0, The Secure Act 2.0

Retirement 105

Retirement Retirement Planning Distribution Taxes 105

Random Roger's Retirement Planning

JANUARY 10, 2024

Every now and then we talk about expat living as part of a retirement plan, usually the context is an underfunded retirement plan. Portfolio 2 was spared a couple of hundred basis points which is better than nothing and Portfolio 3 did very well in 2022. One popular country in expat living circles is Ecuador.

Retirement Planning 98

Retirement Planning Portfolio Retirement Planning 98

MainStreet Financial Planning

MARCH 7, 2023

Form 1099-R reports distributions from pensions, annuities, retirement plans etc. Records for any stocks or other investments you sold in 2022, including crypto transactions or other digital assets. There are a couple of tax moves you still have time to make to impact your 2022 return. Did you have AMT?

Taxes 98

Taxes Retirement Planning Distribution Planning 98

Random Roger's Retirement Planning

MARCH 5, 2025

In 2022, it was up 104 basis points (total return). but it was low in 2022 when it mattered. In 2022, when managed futures was having its heyday, there were all of a sudden a lot of calls about putting 20% or more in managed futures. The results were fascinating. We pounded the table here why that was probably a bad idea.

Portfolio 72

Portfolio Assets Management Government 72

Good Financial Cents

JANUARY 24, 2023

While they do share some similarities, there are enough distinct differences between the two where they can just as easily qualify as completely separate and distinct retirement plans. Either plan is an excellent choice, particularly if you’re not covered by an employer-sponsored retirement plan. Not exactly.

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Retirement Planning Retirement Taxes Distribution 122

Random Roger's Retirement Planning

MAY 14, 2025

trillion market for 401(k)-type retirement plans as crucial to this growth. " There's a little less volatility and quite a bit more growth but there was no crisis alpha in 2022. This quote made my eyes bug out. I'm always going to read something like that to mean we need more suckers.

Retirement Planning 52

Retirement Planning Portfolio Planning Assets 52

Good Financial Cents

JANUARY 17, 2023

And how does it compare to the 401k and other retirement plans that exist? Being a self-employed retirement plan , the SIMPLE IRA gives you the discretion of what exactly you want your money invested into. . You are allowed to contribute up to $15,500 in 2023 , up from $14,000 in 2022, per year in a SIMPLE IRA.

Retirement Planning 111

Retirement Planning Retirement Planning Taxes 111

WiserAdvisor

JULY 29, 2022

For 2022, the IRS allows taxpayers to contribute up to $20,500 to their 401(k) accounts. You contribute after-tax dollars to be able to make tax-free withdrawals in retirement subject to certain conditions i.e. you must be 59.5 For 2022, the Roth IRA contribution limit is set at $6,000 by the IRS.

Retirement 101

Retirement Accounting Taxes Retirement Planning 101

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.

Retirement 92

Retirement Taxes Financial Planning Retirement Planning 92

Random Roger's Retirement Planning

MARCH 12, 2025

The max drawdowns of the backtested portfolios bottomed out in late 2022 as follows To the extent quadrant style might intersect with all-weather, you can decide for yourself whether any of them were all weather enough. There's no wrong conclusion to draw, do you think they are all-weather enough?

Portfolio 59

Portfolio Taxes Numbers Investments 59

Random Roger's Retirement Planning

NOVEMBER 28, 2024

All three were better than VBAIX in 2022 by 150-550 basis points. Somehow, it did worse than the S&P 500 by several hundred basis points in 2022. Based on the chart, I'm guessing that SPD was positioned in such a way as to miss the bounce that started in late 2022. The results are not skewed by one year.

Distribution 52

Distribution Asset Allocation Portfolio Taxes 52

Random Roger's Retirement Planning

NOVEMBER 4, 2024

You can see on the backtest, RPAR fairing worse than VBAIX by almost 600 basis points in 2022 and then didn't really come back the way VBAIX did. Even RPAR, compounding at 2% in an 8% world for VBAIX has struggled. RPAR has 70% in treasuries although not all of them are long term. Risk parity is a good example of a great story.

Retail 52

Retail Taxes Investments Investing 52

Nationwide Financial

JANUARY 26, 2023

Because of low current tax rates and changes to how the standard deduction, tax brackets, and retirement account contribution limits are adjusted for inflation. The high inflation of 2022 means that in 2023, the standard deduction will be higher, and federal income tax brackets will be expanded. They’re good, but not great.

Accounting 98

Accounting Retirement Taxes Retirement Planning 98

Random Roger's Retirement Planning

MAY 3, 2025

2022 gives a good test for stagflation as Slok sees it because rates went up and stocks went down. In 2022, that blend was down 89 basis points so some drag (PRPFX did worse than BLNDX that year) but not problematic. The Permanent Portfolio allocates 25% each to stocks, gold, long bonds and cash.

Portfolio 59

Portfolio Management Taxes Investments 59