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.

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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.

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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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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. As proposed, the new legislation would increase these tax rates to 9% and perhaps even 16% , respectively, starting in 2023.

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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. Check with your financial or tax advisor as to how much you will be able to contribute. Investment flexibility . Photo credit: Flickr.

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Good Financial Cents

JANUARY 19, 2023

A major decision in retirement planning is whether to make pre-tax or Roth (after-tax) 401k contributions. Pre-tax contributions go into your retirement account with money that has not been taxed, and then taxes will be paid when the funds are withdrawn in retirement.

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Integrity Financial Planning

OCTOBER 17, 2022

There are rules and regulations that can help you avoid higher taxes and penalty fees and help you structure your income to minimize taxes. Know these 3 ages that can help you get the most out of your retirement accounts. Age 59½ is the earliest you can withdraw funds from an IRA account and pay no early withdrawal penalty tax.

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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.

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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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The Chicago Financial Planner

OCTOBER 20, 2021

This increases to $19,560 for 2022. During the year in which you reach your full retirement age the annual limit is increased. For 2021 this increased limit is $50,520, for 2022 this limit is $51,960. Any money that may have been withheld from your benefits such as taxes or Medicare premiums. Combined income. %

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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.

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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. 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 The Secure Act 2.0

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Retirement Retirement Planning Distribution Planning 105

Nationwide Financial

JANUARY 26, 2023

Key Takeaways: 2023 could be a really good year to fund a Roth account because of low tax rates and changes to how the standard deduction, tax brackets, and retirement account contribution limits are adjusted for inflation. Plus, you’ll be increasing your tax diversification for retirement. Is there a better way?

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WiserAdvisor

JULY 29, 2022

401(k)s and Roth IRAs are some of the most commonly used retirement accounts. Some opt for a 401(k) account simply because it comes with the advantage of getting an employer match, while some go for a Roth IRA account to be able to make tax-free withdrawals in retirement. Thus, you end up paying fewer taxes on your income.

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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.

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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. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation.

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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.

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Good Financial Cents

JANUARY 17, 2023

And how does it compare to the 401k and other retirement plans that exist? A Simple IRA, or Savings Incentive Match Plan for Employees, is a type of employer-sponsored retirement savings plan that is designed to be easy to set up and maintain for small business owners. What is a Simple IRA?

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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. For high earners, converting an IRA to a Roth IRA while you’re still working could be the worst time of all.

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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.

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Good Financial Cents

JANUARY 26, 2023

The stock market has returned an average of between 9% and 11% over the past 90 years and that’s the kind of growth that you’ll need to tap into if you want to retire at 50. Your retirement plan shouldn’t be. Get in touch with an Independent Financial Professional to see if you're on track to meet your retirement goals.

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Random Roger's Retirement Planning

JANUARY 5, 2025

Yes the dividend funds did better than SPY in 2022 but not 2020 and in the financial crisis, I believe DVY was the only one that was around and being heaviest in financials, it did very badly. Long terms gains get better tax treatment everything else being equal. Long terms gains get better tax treatment everything else being equal.

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Good Financial Cents

APRIL 1, 2023

That will give you a combined contribution of $13,000, which will also be fully tax-deductible. There's no time like the present to begin preparing for your retirement. When you turn age 72, you’re required to begin receiving distributions from the plan. Ads by Money. We may be compensated if you click this ad.

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Planning Distribution Taxes Retirement Planning 95

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. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation. Risk parity is a good example of a great story.

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Random Roger's Retirement Planning

MAY 15, 2025

We talked at length in 2022 and into 2023 when managed futures was booming and people were coming out of the woodwork to suggest huge weightings to managed futures which I said was a bad idea back then and is a bad idea right now in terms of constructing a portfolio. In that light, 20% or 25% makes no sense to me.

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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.

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Random Roger's Retirement Planning

NOVEMBER 9, 2024

Investors of course love dividends but share buybacks and debt reduction are more tax efficient than dividends which are taxed at ordinary income rates. In addition to what is shown above, in 2022 SYLD only dropped 6.12%. LBAY was up 22% in 2022 and I'm not sure if that is repeatable. versus 4.5% Now as a diversifier.

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Investing Investments Taxes Portfolio 52

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?

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Good Financial Cents

SEPTEMBER 15, 2022

Because the investment income earned in a Roth IRA is tax-deferred—and eventually tax-free—there are no tax complications to worry about. Unlike taxable brokerage accounts and even bank accounts, there’s no possibility of incurring the so-called “ kiddie tax ” on the investment earnings in a Roth IRA account.

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Accounting Taxes Retirement Education 101

Random Roger's Retirement Planning

MAY 28, 2025

Portfolio 1 was way ahead in 2022, way behind in 2023 and 2024 but it was up nicely those years and this year it is way ahead. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation. In 2021 it lagged the index by 12%.

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Random Roger's Retirement Planning

MARCH 14, 2025

Dave Nadig found a potential tax problem in the fine print. Apparently it is not diversified enough to meet RIC, regulated investment company, standards which as Dave tells it would nullify the tax benefits associated with ETFs. In 2022 Portfolio 1 fell 6.27% versus a decline of 5.29% for PRPFX and 16.87% for VBAIX.

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Portfolio Taxes Management Investing 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.

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Distribution Asset Allocation Portfolio Taxes 52

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.

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Portfolio Management Taxes Investing 59

Random Roger's Retirement Planning

APRIL 11, 2025

I expanded on it a little bit and noted it's not particularly relaxing but I would reiterate that this is a great time to lean forward and learn about some things in real time versus looking at a backtest from a benchmark event like the 2020 Pandemic Crash or 2022. All of the different factors have their moments in the sun.

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Portfolio Taxes Assets Investing 59

Random Roger's Retirement Planning

MARCH 2, 2025

Generically, dividends are not tax efficient. They are taxed at ordinary income. SCHD has historically paid "qualified" dividends which are taxed more favorably as capital gains but this is something to continuously track. Derivative income funds that track indexes might be taxed 60/40, you have to check.

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Taxes Portfolio Assets Accounting 52

Random Roger's Retirement Planning

JUNE 1, 2025

In 2022 it was only down 3.32% which is really good of course but in the 2020 Pandemic Crash it fell 20%. It currently has 7.77% in managed futures which has been a tough place lately but would have been part of the success of 2022 if it had that much in managed futures back then. TRTY has had mixed results with crisis alpha.

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Numbers Management Taxes Clients 52

Random Roger's Retirement Planning

MAY 23, 2025

In the middle of 2022 you could have found plenty of people who would have said buying managed futures and taking the rest of the year off is looking pretty good. For now, the three dividends are characterized as ordinary income so not terribly tax efficient. The 6% decline is a little misleading because it excludes dividends.

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Distribution Taxes Management Accounting 52