Talon Wealth

OCTOBER 26, 2023

We all know retirement is an important milestone that requires careful planning. Of course, one of the most important aspects of retirement planning is managing retirement taxes. Taxes can significantly impact the amount of money you’ll have for retirement. This can be a mistake.

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Million Dollar Round Table (MDRT)

OCTOBER 1, 2023

Allocating retirement planning I introduce asset allocation with clients by dividing retirement life into two parts: basic life and high-quality life. After showing them that breakdown, I discuss the details of asset allocation. Chin-Lung Wang , Taipei City, Taiwan Area, 21-year MDRT member

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WiserAdvisor

DECEMBER 15, 2023

According to a survey, a significant majority of Americans, approximately 80%, share the common notion that the point of working hard in your adult life is so you can enjoy a nice retirement. After years of dedicated labor and hard work, the prospect of a peaceful retirement appeals to everyone.

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Talon Wealth

AUGUST 26, 2023

We all know retirement is an important milestone that requires careful planning. Of course, one of the most important aspects of retirement planning is managing retirement taxes. Taxes can significantly impact the amount of money you’ll have for retirement. This can be a mistake.

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Retirement Taxes Retirement Planning Risk Tolerance 52

Nationwide Financial

DECEMBER 7, 2022

For people nearing retirement, these challenges can be even more daunting. A market downturn at the start of retirement, hitting portfolio values when retirees begin to take account withdrawals, can be unsettling, even for seasoned investors. Many near-retirees see their highest portfolio values just before retirement.

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Advisor Perspectives

JANUARY 20, 2023

Learn how our industry-leading asset allocation expertise can help participants make investment choices with more confidence and help employers reach their plan goals. Advice boosts workers’ confidence in choosing investments—from 35% to 65%.

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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. You can help them start the year right by conducting a retirement checkup.

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WiserAdvisor

DECEMBER 13, 2023

In a world where the cost of living is steadily climbing and market uncertainties loom large, the idea of a serene retirement can seem like a distant dream. But let’s face it: the importance of saving for retirement hasn’t waned; if anything, it’s become more crucial. When to start saving for retirement?

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WiserAdvisor

SEPTEMBER 6, 2023

Overindulgence in information can lead to poor decisions, and excessive monitoring of your retirement account balance can result in stress. Checking your retirement account balance too often can have a psychological impact on you. Therefore, exploring the optimal frequency for checking your retirement account is essential.

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WiserAdvisor

FEBRUARY 29, 2024

Navigating the complex world of personal finance, especially with retirement looming on the horizon, can be daunting. Working with a financial advisor can significantly enhance your chances of retiring with more wealth. Hiring the best financial advisors for retirement can lead to better savings and investment outcomes.

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Tobias Financial

APRIL 11, 2024

Edzai and Franklin will cover a wide range of essential topics including managing student debt, understanding employer-provided benefits, retirement planning fundamentals, holistic asset allocation for tax-efficient returns, risk management, and asset protection strategies.

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Investing Caffeine

MAY 3, 2023

These are all interesting and important questions, but preparation for retirement is much more important than panicking over issues you have no control over. For many investors, however, the more important questions to ask and answer relate to your retirement strategy. Risk Tolerance: What is your asset allocation?

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Fortune Financial

SEPTEMBER 29, 2022

In our planning with clients, we like to employ a “pay yourself first” approach, especially as it relates to retirement planning. This cycle can repeat itself over multiple years, resulting in minimal or no retirement savings. Planning for retirement is a multi-step process with continuous updates and monitoring.

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A Wealth of Common Sense

FEBRUARY 16, 2024

Early on in my savings journey I prioritized tax-deferred retirement accounts over all else. The set-it-and-forget-it nature of a workplace retirement plan is one of my favorite features. I like the ease and simplicity of 401k contributions coming out of my paycheck before it ever even touches my checking account.

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The Chicago Financial Planner

JUNE 13, 2022

Assuming that you have a financial plan with an investment strategy in place there is really nothing to do at this point. Ideally you’ve been rebalancing your portfolio along the way and your asset allocation is largely in line with your plan and your risk tolerance. Markets will always correct at some point.

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Advisor Perspectives

NOVEMBER 11, 2022

Offer more ways clients may achieve their retirement plan goals while helping address the diverse investment needs of participants. Learn about our industry-leading investments and expertise—featuring more default options and more personalized asset allocation.

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Validea

SEPTEMBER 1, 2022

Market performance in the early years of retirement can greatly affect how long retirement funds will last, as losses can take a larger chunk out of a portfolio when it’s more flush. The first five years of retirement are crucial for figuring out a lifestyle that can sustain you for years to come. Utilize different assets.

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Carson Wealth

APRIL 25, 2024

Investment strategy: Determine asset allocation and investment vehicles aligned with risk tolerance and financial goals. Retirement planning: Calculate retirement needs and contribute regularly to retirement accounts. What Could Happen if You Don’t Have a Financial Plan? Outliving their money.

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Clever Girl Finance

DECEMBER 13, 2023

Saving money is an important task at any age, but as you hit your 40s, the need to save for retirement grows. While savers in their 40s and 50s typically have a decade or two left to save for retirement given the traditional age of 65, emphasizing saving now can set you up for a dream-worthy retirement.

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Carson Wealth

DECEMBER 1, 2022

Take Advantage of Retirement Plans and Matching Contributions. Most employer retirement plans allow you to save on a tax-deferred basis, meaning that contributions into these types of accounts are not considered in calculating your taxable income. . Consider the following example below:?? .

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The Chicago Financial Planner

FEBRUARY 5, 2022

Perhaps it’s time to rebalance and to rethink your ongoing asset allocation. Approaching retirement and want another opinion on where you stand? Financial coaching focuses on providing education and mentoring on the financial transition to retirement. Take stock of where you are. Costs matter. FINANCIAL WRITING.

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Random Roger's Retirement Planning

NOVEMBER 12, 2023

The Wall Street Journal took what might be a sympathetic approach to 401k investors who might be feeling disillusioned by generally poor performance with the focus being on target date funds which have of course become a major staple of 401k plans. First, it's your retirement, how do you not care enough to engage just a little?

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International College of Financial Planning

JULY 30, 2022

Earning the CFP designation requires a rigorous course of study covering investment planning, income taxation, retirement planning and risk management. A Person who completes the CFP course is qualified to provide financial planning services to those with a high degree of financial responsibility.

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Random Roger's Retirement Planning

FEBRUARY 16, 2023

Speaking of simplicity, there's this from CalPERS; It seems like these guys are moving their goal posts in terms of asset allocation every couple of years, they're going heavier into private equity and VC then they're dialing it back, now increasing again. Here's a great read about retirement. The second point fascinates me.

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Yardley Wealth Management

JULY 20, 2022

Their retirement plan is strong, their kids are independent, and they are debt-free. They’re approaching retirement age, but it’s hard for them to imagine what exactly retirement will look like. We’d look at the asset allocations of their portfolios and whether they’re tax-deferred, tax-exempt, or taxable.

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Darrow Wealth Management

JANUARY 30, 2023

just upended retirement planning…again. The age when retirees must begin drawing from non-Roth retirement accounts increases to 73 in 2023, then 75 in 2033. Raising the age when withdrawals must begin is great as it gives investors more planning opportunities. The Secure Act 2.0

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Random Roger's Retirement Planning

AUGUST 27, 2022

This conversation drifts into the academic realm a little but raises an interest question about how much or how little alpha does the typical person who saved for retirement, trying to make it through and maybe leave a little bit for their kids actually need? The person has been retired the whole time. million to do so and have $1.3

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Good Financial Cents

MAY 1, 2023

A Contributory IRA, otherwise known as a traditional IRA , is a retirement savings account that allows individuals to make contributions from their earned income. The contribution limit may be reduced or eliminated for individuals who have high incomes or who participate in an employer-sponsored retirement plan.

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Trade Brains

DECEMBER 7, 2023

Also, you will learn how to plan your taxes, credit score importance and how to budget your income to create a portfolio. By enrolling in this course you will learn to manage your finances more effectively by mastering budgeting and portfolio creating for a healthy retirement corpus. You can enroll in the course here.

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Fortune Financial

SEPTEMBER 25, 2023

Whether planning for retirement, saving for your children’s education or simply looking to grow your investments, finding the right wealth management services in Kansas City can make all the difference. Long-term goals typically encompass retirement planning, wealth preservation and estate planning.

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Fortune Financial

SEPTEMBER 25, 2023

Whether planning for retirement, saving for your children’s education or simply looking to grow your investments, finding the right wealth management services in Kansas City can make all the difference. Long-term goals typically encompass retirement planning, wealth preservation and estate planning.

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Random Roger's Retirement Planning

MARCH 30, 2024

Circling back to model ETF portfolio mentioned at the top of this post, the asset allocation was as follows. US Equity 56% Trend Following/Tactical 38% Emerging Market Equity 5% Cash 1% I don't know often that changes but that there is not a permanent allocation to fixed income is of course intriguing to me.

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Discipline Funds

NOVEMBER 17, 2023

When you shift towards retirement your time horizon and risk profile shifts to a more conservative position. You can’t be fully invested in stocks when you’re nearing retirement because that creates enormous sequence of return risk. 1 He said that a real return of 8% means that rules like the 4% rule are silly.

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Fortune Financial

OCTOBER 31, 2022

It can also draw attention to underfunded employer-sponsored retirement accounts like 401(k)s and 403(b)s as well as opportunities for other tax-saving strategies such as net unrealized appreciation (NUA). Retirement savers and retirees can adjust to market turmoil by looking at spending and asset allocation plans to build a cash reserve.

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Random Roger's Retirement Planning

APRIL 29, 2024

Metz talked a little about using options to help derisk a portfolio as someone approaches or moves into retirement or the decumulation phase. I think solving the idea of how to derisk comes down to a couple of things, finding the more reliable derisking effect as well as maintaining the proper asset allocation for the investor in question.

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WiserAdvisor

SEPTEMBER 27, 2023

The 401(k) retirement plan is one of the most powerful tools. Reaching the age of 50 with over $2 million in your 401(k) is an impressive financial landmark that can provide you with a comfortable retirement if managed wisely. But is it truly enough to sustain a comfortable retirement? This was a 9% increase from 2021.

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Random Roger's Retirement Planning

APRIL 9, 2023

There will be future events that result in some sort of drop, black swans to you or not, and these become more important as you get closer to retiring in terms of sequence of return risk. You don't need to guess what might cause a large decline 15 months before you plan to retire, you just need to be prepared in case it happens.

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