Darrow Wealth Management

MARCH 3, 2025

Stocks vs bonds historical returns by calendar year (1997 – 2024) Top takeaways: Between 1997 and 2024, the S&P 500 returned 9.7% Returns shown are based on calendar year returns from 1950 to 2024. Growth of $100,000 is based on annual average total returns from 1950 to 2024. on an average annualized basis.

Risk Tolerance

Wealth Management

JULY 15, 2025

The deal is True North’s second since it received backing from Wealth Partners Capital Group and the HGGC Aspire Holdings platform in January 2024. Levine Group will join NFP, which does wealth management, retirement plan advice, insurance and benefits consulting.

Planning

Your Richest Life

NOVEMBER 26, 2024

Myth #2: You should plan to retire in your 60s With more people going back to school or changing careers later, holding off on retiring is becoming more common, too. The average retirement age has been increasing over the past few decades, from 57 in 1991 to 62 in 2024. And then, there are the un-retirees.

Retirement

Darrow Wealth Management

FEBRUARY 9, 2025

Generally, investors don’t increase their risk profile as they move through retirement. Allocation choices also shouldn’t be based on the notion that dipping into principal derails a financial plan. If you have questions about your personal financial situation, consider speaking with a financial advisor.

Retirement

Wealth Management

AUGUST 12, 2025

In 2024, it announced a minority capital raise from BlackRock, JP Morgan Asset Management and Schwab. Advisors Say, Not So Fast Microsoft Report Says AI Will Replace Advisors. 12, 2025) 11 Investment Must Reads for This Week (Aug. 12, 2025) 11 Investment Must Reads for This Week (Aug.

Estate Planning

Darrow Wealth Management

FEBRUARY 26, 2025

For most investors, their financial situation requires more growth than bonds alone can typically provide to outpace inflation and support retirement goals.Recessions are temporary, but your portfolio needs to last a lifetime. The Callan Periodic Table ranks calendar year returns for various asset classes.

Marketing

Nationwide Financial

AUGUST 14, 2024

In 2024, more Americans than ever are celebrating their 65 th birthdays. 1 As they reach the traditional retirement age, many are looking at their financial future with some degree of trepidation and doubt. What’s behind this lack of financial confidence?

Clients

MainStreet Financial Planning

NOVEMBER 25, 2024

Eligible IRA owners age 70 ½ and older can make up to $105k in tax-free charitable donations during 2024 through qualified charitable donations (QCDs). The annual exclusion for gifts increases to $19,000 for the calendar year 2025, up from $18,000 from 2024. The standard mileage rates for 2024 is $0.67

Taxes

Nerd's Eye View

DECEMBER 30, 2024

Each week in Weekend Reading For Financial Planners, we seek to bring you synopses and commentaries on 12 articles covering news for financial advisors including topics covering technical planning, practice management, advisor marketing, career development, and more.

Financial Advisor

Carson Wealth

APRIL 24, 2025

An IRA is one of the most powerful retirement savings tools available, and the most common options are a traditional IRA and a Roth IRA. That depends on your overall financial plan and a variety of other factors. For example, you could make IRA contributions that applied to the 2024 contribution limit until April 15 of 2025.

Retirement

Yardley Wealth Management

JUNE 25, 2025

3 RMDs apply to accounts such as traditional IRAs, SEP IRAs, SIMPLE IRAs, and retirement plans like 401(k)s. While there was initial uncertainty about whether annual RMDs were necessary during those 10 years, the IRS waived penalties for missed RMDs in 2021–2024. SmartAsset.com, October 14, 2024 [link] 3.

Retirement

Discipline Funds

DECEMBER 29, 2024

Good financial planning is all about asset and liability matching across time. A financial plan with an asset liability mismatch is likely to fail over time. Calculate your 2024 after tax income and expected after tax 2025 income. Compare this to your 2024 expenses and expected 2025 expenses.

Financial Planning

WiserAdvisor

JUNE 26, 2025

If you’re planning smartly for the long haul, this is where your attention should be focused. The overlooked cost of retirement: Healthcare expenses Let’s start with a number most people underestimate, by a lot. There’s a monthly premium (about $175 in 2024), and 20% coinsurance for most services. You’re on your own.

Healthcare

Trade Brains

JULY 2, 2025

At its core, the campaign challenges the common habit of prioritising savings and investments while neglecting basic financial protection. It reaffirms that life insurance should be the starting point of any secure financial plan—providing a strong foundation for long-term goals like children’s education, homeownership, and retirement.

Insurance

Abnormal Returns

NOVEMBER 6, 2023

ft.com) Creative Planning has closed on its purchase of Goldman Sachs' ($GS) PFM unit. citywire.com) Creative Planning is expanding its reach in the retirement plan space. papers.ssrn.com) Taxes A 2023 year-end tax planning guide. kitces.com) Advisers How the profession of financial planning has changed over time.

Wealth Management

Nerd's Eye View

DECEMBER 13, 2024

Also in industry news this week: While the SEC has had the power to restrict mandatory arbitration clauses in RIA client agreements for more than a decade, an advisory committee meeting this week suggests support for such a measure isn't unanimous CFP Board saw a record number of exam-takers during 2024, reflecting recognition of the professional and (..)

Financial Planner

Nerd's Eye View

JULY 26, 2024

The study also identified attributes of "top performing" firms across a range of metrics, finding that they are more likely than other firms to have a clear ideal client persona, client value proposition, and marketing plan.

Financial Planner

Nerd's Eye View

OCTOBER 2, 2024

In this environment, financial advisors have the opportunity to add value for their clients not only by giving a clear explanation about the current status of Social Security and the potential legislative changes that could improve its solvency, but also by modeling what (realistic) changes would mean for their clients' financial plans.

Retirement

MainStreet Financial Planning

MARCH 14, 2024

Here are 5 areas to review to determine if you may need to make some adjustments for 2024. Review Tax Withholding: Check your paystubs to assess if adjustments to your W-4 are needed to avoid overpaying or underpaying taxes in 2024. The post Make your 2024 Taxes Less Taxing by giving yourself a Tax Checkup!

Taxes

Carson Wealth

DECEMBER 8, 2023

Petersen, CPA, CFP ® , CP, Affluent Wealth Planning The holidays are upon us! That must mean it’s time to roll up my sleeves and get to work on year-end financial planning – with an emphasis on 2023 income tax. Lastly, I allocate the retirement plan contributions between Roth and Traditional 401(k) accounts.

Planning

Your Richest Life

APRIL 15, 2024

Do you have a plan in place for your retirement? For many people, the extent of their retirement planning includes signing up for the plan at work – which is often more of a starting point than a comprehensive retirement plan. It also allows for an IRS match up to 4 percent.

Retirement Planning

MainStreet Financial Planning

APRIL 4, 2024

So…if your child is a sophomore in high school right now…2024 is the tax year that will be used for financial aid eligibility. left in the tax year to make smart moves if you hope to improve your eligibility for financial aid. Do’s Don’ts Increase pre-tax retirement plan contributions if you can.

Taxes

Your Richest Life

JANUARY 20, 2023

Whether you’re decades from retirement or quickly approaching it, some of these changes will likely impact you and your financial plan. Student Loan and Roth Account Matching Employers will be able to match employees’ student loan payments to a workplace retirement account beginning in 2024. Secure Act 2.0:

Retirement Planning

Your Richest Life

MARCH 8, 2024

But it’s also a time to pay attention to the financial challenges women are still facing, and how to overcome them. Taking Time Off: Financial Planning for Women Women are still the primary caretakers, both for children and other family members. In 2024, for every dollar men earn, women earn 84 cents.

Financial Planning

Indigo Marketing Agency

JULY 23, 2024

Instead of setting your web presence on the back burner for another month, draw inspiration from some of the effective, professional websites for financial advisors that the marketing experts here at Indigo Marketing Agency have built recently. Seals Financial Planning & Investments What does Seals do right?

Financial Advisor

Darrow Wealth Management

APRIL 15, 2024

It goes by many different names: semi-retirement, partial or phased retirement, second career, and so on. But typically, it means the same thing: working in some capacity after retiring early. A partial retirement helps with the emotional transition There are two phases of retirement planning: time and money.

Retirement

Integrity Financial Planning

MAY 16, 2023

designated Roth 401(k) accounts in 2024 will not have to take RMDs in their lifetime. [4] The reason RMDs exist is that many retirement accounts are pretax vehicles, meaning the money that you have put into them has not been taxed yet. 7] Planning for RMDs is essential for retirement planning. Find them here.

Accounting

MainStreet Financial Planning

OCTOBER 24, 2024

To open an HSA, you must be enrolled in a high-deductible health plan (HDHP). In 2024, the annual contribution limits are: – $4,150 for individuals. This makes HSAs a great tool for both short-term healthcare costs and long-term financial planning. How Does an HSA Work? – $8,300 for families.

Accounting

Darrow Wealth Management

FEBRUARY 18, 2025

Don’t stress out about every headline, stress test your retirement plan instead.Markets move every day and the news cycle is 24-7. Unfortunately, headlines often leave investors wondering what the news means for their portfolio and financial outlook. between 1995 – 2024.

Retirement

Darrow Wealth Management

OCTOBER 28, 2024

Don’t discount your non-financial goals and what you plan to do after you sell. Going from running a company to suddenly retired can be a difficult transition for some people. Create a formal financial plan. A liquidity event is a great opportunity to develop a long-term investment plan.

Sales

Trade Brains

DECEMBER 7, 2023

The Financial Education Certification Series XVIII course offered by NISM is a text-based self-study course that contains 12 modules. The topics covered in this course are key concepts in personal finance, financial planning & budgeting, savings, investment in securities, insurance, pension, retirement, and borrowing.

Budgeting

Sara Grillo

APRIL 28, 2023

When : Wednesday, March 13th – Thursday, March 14th, 2024 Where : DoubleTree by Hilton St. If you wish to transfer your ticket to another party, you may do so before March 1, 2024, and you agree to notify Sara Grillo immediately of any changes in ownership. Founder of Measure Twice Financial and Measure Twice Planners.

CFP

Darrow Wealth Management

SEPTEMBER 26, 2024

Using different tax vehicles also helps reduce the risk that unfavorable changes to tax laws pertaining to one type of account will impact your whole financial plan. No required minimum distributions Unlike Traditional IRAs, 401(k)s, 403(b), pension plans, etc., See 2024 limits to determine whether you’re eligible.

Accounting

Fortune Financial

JULY 12, 2023

How Will the Cost of Living Impact Retirees in 2024? As we look forward to 2024, it is important to acknowledge the ever-changing dynamics of the cost of living and its profound impact on retirees. With various factors contributing to the cost of living, how can retirees navigate the financial hurdles facing their generation?

Healthcare

Fortune Financial

JULY 12, 2023

How Will the Cost of Living Impact Retirees in 2024? As we look forward to 2024, it is important to acknowledge the ever-changing dynamics of the cost of living and its profound impact on retirees. With various factors contributing to the cost of living, how can retirees navigate the financial hurdles facing their generation?

Healthcare

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.

Retirement

Indigo Marketing Agency

JULY 23, 2024

Instead of setting your web presence on the back burner for another month, draw inspiration from some of the effective, professional websites for financial advisors that the marketing experts here at Indigo Marketing Agency have built recently. Seals Financial Planning & Investments What does Seals do right?

Financial Advisor