Wealth Management

JULY 15, 2025

True North Expands in SF Deals & Moves: Creative Plannings Snag Hawaii RIA; $5.1B True North Expands in SF Deals & Moves: Creative Plannings Snag Hawaii RIA; $5.1B has acquired a team in Hawaii overseeing $430 million in client assets.

Planning 151

Planning Wealth Management Estate Planning Clients 151

Wealth Management

JUNE 26, 2025

Between 2014 and 2024, Mason transferred client funds into his own accounts and those of the two entities without clients’ authorization, according to the SEC. Mason, who ran Rubicon Wealth Management, a registered investment advisor in Gladwyne, Pa., He pleaded guilty to all of the criminal charges.

Clients 266

Clients Estate Planning Wealth Management Planning 266

Nerd's Eye View

FEBRUARY 12, 2025

The new law repeals both the WEP and GPO, restoring full Social Security benefits to affected individuals, retroactive to January 2024. But the challenge in making such an estimate is the fact that SSA doesn't clearly show many individuals what their full benefits would be without the reduction for WEP or GPO.

Retirement 245

Retirement Clients Government Planning 245

Nerd's Eye View

JULY 25, 2025

in 2024 , with revenue up by 17.6%. Enjoy the current installment of "Weekend Reading For Financial Planners" – this week's edition kicks off with the news that Charles Schwab's annual RIA benchmarking study found that median firm AUM increased 16.6% net organic growth and larger firms seeing 5.0%

Financial Planner 147

Financial Planner Charitable Planning Recruitment Clients 147

Dear Mr. Market

DECEMBER 31, 2024

Because when it comes to financial planning, you’re ready to write it downand studies show that writing down your goals makes you 42% more likely to achieve them. Heres your top 10 financial planning checklist for the new year. A little planning now avoids big headaches later. Ready to Tackle 2024? Not for you.

Budgeting 105

Budgeting Financial Planning Estate Planning Planning 105

NAIFA Advisor Today

FEBRUARY 6, 2025

Mike McGlothlin , CFP, CLU, ChFC, LUTCF, NSSA, Executive Vice President, Retirement, at Ash Brokerage , is the 2024 recipient of the Kenneth Black Jr. NAIFA and FSP merged in January 2024. Leadership Award. McGlothlin manages a staff of more than 65 employees and has maintained a 90% retention rate.

Ethics 138

Ethics Retirement Planning Education CFP 138

Yardley Wealth Management

DECEMBER 17, 2024

Garry Esquire, CFP®, MBA Founder & CEO of Yardley Wealth Management Setting meaningful financial goals in 2025 requires more than just wishful thinking – it demands a strategic, well-planned approach. Interest rates remain a significant factor in financial planning, affecting everything from mortgage rates to investment returns.

Financial Planning 52

Financial Planning Debt Management Retirement Planning Retirement 52

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 78

Risk Tolerance Asset Allocation Assets Portfolio 78

Harness Wealth

JANUARY 9, 2025

Strategy Contribution Limit (2024) Advantages Disadvantages Backdoor Roth IRA $7,000 ($8,000 if 50+) Circumvents income limits for Roth IRA, providing increased tax-free growth Low annual limit and pro-rata rule complications. It also requires an individuals 401(k) plan to allow after-tax contributions and in-service withdrawals.

Taxes 52

Taxes Planning Retirement Retirement Planning 52

Your Richest Life

NOVEMBER 26, 2024

Do you know when you want to retire? Are you saving enough for the retirement you want? 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. for more information.

Retirement 52

Retirement Planning Fee Only Financial Planning 52

Darrow Wealth Management

FEBRUARY 9, 2025

Before you can evaluate stocks or bonds to invest in, you’ll need to develop the metrics you plan to use in the analysis. Generally, investors don’t increase their risk profile as they move through retirement. Morgan Guide to the Markets, as of 1/31/2025 Assumes shares purchased 12/31/2004 and analysis ends 12/31/2024.

Retirement 85

Retirement Asset Allocation Taxes Portfolio 85

Harness Wealth

APRIL 30, 2025

This article will explore how to navigate complex tax situations arising from multiple income sources, examining various income types, reporting requirements, self-employment obligations, and strategic approaches to record-keeping and tax planning that can help protect your financial interests. rate is comprised of two components: 12.4%

Taxes 52

Taxes Tax Planning Compliance Planning 52

Talon Wealth

NOVEMBER 12, 2024

Here’s how it breaks down for 2023-2024: If a couple’s total retirement income is between $32,000 and $44,000, up to 50% of Social Security benefits could be taxable. This is why having a smart, well-rounded retirement plan that includes income planning and tax planning is so important!

Taxes 52

Taxes Planning Retirement Planning Tax Planning 52

Harness Wealth

JANUARY 29, 2025

These contributions not only provide immediate tax relief but help secure longer-term financial stability during retirement. 401(k) Plans: Contribute the maximum allowable amount for 2024 : $23,000 if youre under 50, or $30,500 if youre 50 or older.

Taxes 52

Taxes Medical Distribution Tax Planning 52

Darrow Wealth Management

FEBRUARY 26, 2025

Stocks vs. Bonds: Differences in Risk and Return Make a Case for Both While there wasn’t much that went according to plan in 2020, when we zoom out, this is a picture of a diversified portfolio performing as we might expect. The Callan Periodic Table ranks calendar year returns for various asset classes.

Marketing 56

Marketing Marketing Retirement Portfolio 56

Indigo Marketing Agency

MAY 31, 2025

Ericsson reports that video makes up about 60% of all smartphone traffic ; and that number was expected to jump to 74% by the end of 2024. Planning Tips for Your Ideal Audience: Share a quick retirement goal, downsizing tip, or college savings idea for your niche. You dont need to be a pro to get started.

Financial Advisor 52

Financial Advisor Marketing Marketing Clients 52

Harness Wealth

APRIL 16, 2025

The complex interplay between traditional tax regulations and the innovative nature of tech businesses demands smart planning from day one. Strategic tax planning serves both to keep companies on the right side of IRS regulations and to preserve necessary capital during those precarious early stages when the startup is most vulnerable.

Startup 52

Startup Taxes Tax Planning Transportation 52

Random Roger's Retirement Planning

NOVEMBER 4, 2024

The Wealthfront Risk Parity Fund (WFRPX) is closing to new money as of 12/27/2024 and expects to be liquidated on January 3rd. And looking at the history of the few risk parity funds, it is hard to believe any of them are doing what an investor would hope they would do. billion fund charging 25 basis points.

Retail 52

Retail Taxes Investing Investments 52

Darrow Wealth Management

NOVEMBER 11, 2024

Updated for 2024 – 2025. Although any investor with earned income can make a non-deductible contribution to an IRA (up to $7,000 in 2024-2025 if under age 50) and still take advantage of tax-deferred growth, it still may not be advisable. Investors often ask: should I be making nondeductible IRA contributions? Why non-deductible?

Taxes 98

Taxes Distribution Retirement Retirement Planning 98

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). A high deductible health plan (HDHP) must have a deductible of at least $1,650 for singles and $3,300 for family. The standard mileage rates for 2024 is $0.67

Taxes 98

Taxes Planning Retirement Planning Accounting 98

Random Roger's Retirement Planning

MARCH 5, 2025

It is not intended to be a surrogate for a 60/40 portfolio, although it was close in 2024, and it clearly will not and is not intended to look like the US equity market. The idea there is I don't think it can go up another 22,000% from here and I don't think it can fall 80% unless, I say unless an 80% decline is on the way to a 99.9%

Portfolio 72

Portfolio Assets Management Government 72

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. For many soon-to-be retirees, the primary concern is not having a source of steady income that will last throughout retirement.

Clients 52

Clients Retirement Financial Planning Planning 52

Random Roger's Retirement Planning

JULY 2, 2025

The real return is sort of consistent but was heavily skewed to 2024. A popular rule of thumb is that a real return of 2%, so inflation plus 2%, is considered attractive. Note that 2021 was a partial year.

Portfolio 59

Portfolio Numbers Taxes Clients 59

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 240

Financial Advisor Insurance Tax Planning Taxes 240

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. In the partial year of 2020, Portfolio 1 was down 83 basis points while the S&P was up 18%. In 2021 it lagged the index by 12%. It has throw in the towel at the wrong time written all over it.

Portfolio 59

Portfolio Taxes Numbers Investing 59

Random Roger's Retirement Planning

JULY 20, 2025

Zweig isolated a couple in particular including the YieldMax Moderna Option Income Strategy ETF (MRNY) noting that MRNY fell "80% from May 2024 to May 2025." A lot of people own them based on the AUM in the space. I'm not sure the catastrophe here was using MRNY.

Distribution 59

Distribution Portfolio Assets Accounting 59

Random Roger's Retirement Planning

JUNE 25, 2025

The outperformance isn't solely because of 2022, VOO/BALT outperformed in partial year, 2021, 2023 and 2024. Using BALT instead of AGG has given a higher compounded return with less volatility. This year it is trailing a little bit.

Taxes 64

Taxes Portfolio Investing Investments 64

Random Roger's Retirement Planning

FEBRUARY 1, 2025

Certainly 2023 was tough for these funds but while managed futures didn't do very well in 2024, the funds generally kept up with VBAIX. And the year by year MBXIX is curious. It had a couple of terrible years this decade but was the best performer in 2022.

Management 52

Management Portfolio Clients Taxes 52

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 117

Retirement Distribution Taxes Retirement Planning 117

Random Roger's Retirement Planning

NOVEMBER 18, 2024

One of the pre-market emails that Bloomberg sends out included a passage on Monday morning noting that 96% of all ETFs are up in 2024 which is a very high percentage. Many ETFs are up a lot of course but " popular gauges tracking hedge-fund returns are scoring much smaller victories."

Taxes 52

Taxes Marketing Marketing Investing 52

Yardley Wealth Management

JUNE 25, 2025

Several personal factors should influence the timing of your claim, including your health, marital status, financial needs, and your plans for continued work. 3 RMDs apply to accounts such as traditional IRAs, SEP IRAs, SIMPLE IRAs, and retirement plans like 401(k)s. SmartAsset.com, October 14, 2024 [link] 3.

Retirement 52

Retirement Distribution Taxes Accounting 52

Random Roger's Retirement Planning

JANUARY 18, 2025

According to the Bloomberg article , only 62% of the 1080 "newly launched quant-powered investing styles" showed a positive return going into the end of 2024. Bloomberg and Barron's each had similar articles about straying off the beaten path toward ETFs that are not the plainest of vanilla. That's pretty vague.

Advertising 52

Advertising Medical Clients Distribution 52

Random Roger's Retirement Planning

JULY 8, 2025

AMZY had a 50% "yield" in 2024 while dropping about 11% on a price basis (the return for the underlying was very good but AMZY couldn't keep up with the dividend). If it goes as plans, it would be a more tax efficient way to access the index. allocation to the YieldMax Amazon ETF (AMZY)?

Distribution 59

Distribution Taxes Portfolio Planning 59

Random Roger's Retirement Planning

DECEMBER 18, 2024

Who knows how this will play out, will it be no big deal at all, like the Great Dip Of August, 2024 or something more serious but whatever it will be, it will end at some point and then markets will start to work higher.

Taxes 52

Taxes Portfolio Accounting Marketing 52

Discipline Funds

DECEMBER 29, 2024

The end of the year is an ideal time to start planning for the year ahead and make sure youre on target to achieve those goals. 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. Asset and Liability Matching.

Financial Planning 64

Financial Planning Planning Asset Allocation Retirement Planning 64

Random Roger's Retirement Planning

DECEMBER 28, 2024

With a cash buffer of two years or whatever, that sort of decline doesn't have to derail anyone's retirement plan. In five of the backtested years, the change was less than 1% in either direction but in 2023 and 2024 the net change was in the three's. That person would be in some trouble without a cash buffer.

Portfolio 52

Portfolio Retirement Retirement Planning Assets 52

WiserAdvisor

JUNE 26, 2025

Most professionals approaching retirement know they need a plan. What many underestimate (often drastically) is the size of the piece of that plan that should be devoted to healthcare. Retirement is no longer just about 401(k)s and Social Security. This article is a deep dive into healthcare costs in retirement.

Healthcare 59

Healthcare Retirement Planning Retirement Planning 59