Nerd's Eye View

DECEMBER 6, 2023

Thus, Advice, Business, Compensation, and Securities (ABCS) are the key elements in this definition. Nevertheless, the 'securities' component of the definition has several nuanced exceptions.

Investing 246

Investing Investments Retirement Planning Financial Advising 246

Nerd's Eye View

MAY 17, 2024

Also in industry news this week: The SEC this week announced a proposed rule that would require RIAs to collect and verify their clients' personal information in an effort to prevent illicit activity, though many firms likely are taking many of these steps already Why larger RIAs and those that have been acquired tend to have worse client and staff (..)

Financial Planner 238

Financial Planner Wealth Management Retirement Financial Planning 238

Walkner Condon Financial Advisors

OCTOBER 18, 2023

The mass media in the United States tends to oversimplify the transition from the career phase to the retirement phase of our lives. Apparently walking into the sunset on a beach or through a meadow leads directly to a rocking chair on a front porch and that is retirement? The term “retirement” seems somewhat antiquated.

Retirement 105

Retirement Financial Advisor Retirement Planning Clients 105

Nerd's Eye View

MARCH 13, 2024

Which is, for example, why so many people opt to move to lower-tax or no-tax states like Florida or Texas in retirement, where they can enjoy lower state income taxes and preserve more of their retirement savings for use by themselves or their heirs. Read More.

Taxes 189

Taxes Compensation Planning Retirement Retirement Planning 189

James Hendries

AUGUST 24, 2022

Planning for retirement can seem premature when you have only been in the workforce for a decade or so. But as the oldest Millennials begin to hit middle age, retirement suddenly does not seem so far away. Here are five things Millennials should consider when planning for retirement. Free Money May Be Available.

Retirement Planning 52

Retirement Planning Retirement Planning Asset Allocation 52

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?

Retirement Planning 111

Retirement Planning Retirement Planning Taxes 111

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.

Retirement Planning 122

Retirement Planning Retirement Taxes Distribution 122

Random Roger's Retirement Planning

APRIL 9, 2024

I've seen other studies that go back further than any reasonable definition of modern times. Picture retiring in 2010 versus 2020. They studied 1841-2019 and I am sure they are looking at the data correctly. I don't put stock into data sets that include the 1900's. This is in the neighborhood of sequence of return.

Management 98

Management Retirement Planning Portfolio Retirement 98

Random Roger's Retirement Planning

JULY 2, 2023

Barron's wrote about boomers having too much equity exposure for being on the cusp of retiring or being newly retired. That 40 year run favorably skewed a lot of backtests and I would submit, skewed the results of the 4% rule for retirement withdrawals. I would say it is definitely not.

Retirement 75

Retirement Portfolio Retirement Planning Accounting 75

Fortune Financial

MARCH 5, 2024

One powerful tool that might not be on every entrepreneur’s radar — but definitely should be — is a 401k plan. Aside from just being a retirement savings option, a 401k for small business owners can be a game-changer that offers benefits extending well beyond your future financial security and that of your employees.

Retirement Planning 52

Retirement Planning Retirement Financial Advisor Taxes 52

Random Roger's Retirement Planning

JUNE 1, 2023

Could I retire if it came to that? Keeping tabs on how long we might be able to last before going into retirement accounts is something I check in on periodically. The last time I looked for a plan on healthcare.gov it was about $1500/mo which again is unsubsidized. I was still 56 when this started in the middle of winter.

Insurance 78

Insurance Retirement Planning Clients 78

Park Place Financial

SEPTEMBER 30, 2022

Retirement Annuity vs. 401(k): What’s The Difference? One of the most appealing features of retirement planning is the multiple options for accruing wealth. There is no definitive answer as to which choice is best — it depends on your financial situation and goals. What Are 401(k)s? . Types of 401(k)s .

Retirement Planning 52

Retirement Planning Retirement Taxes Insurance 52

The Big Picture

DECEMBER 6, 2022

It has to be such a different set, the retirement planning is different, the safety net is different. And definitely, their retail market participation is significantly lower than you can see in the U.S. So I was definitely looking for something more entrepreneurial. So that was definitely one of the key drivers.

Clients 162

Clients Investing Investments Management 162

Clever Girl Finance

APRIL 19, 2023

However, that is definitely not the case! You can’t retire until you’re 65 years old (or older) While 66 is the age at which you can start receiving full Social Security benefits , you can retire at any time as long as you have enough saved up to support yourself. The sooner you begin saving cash, the better.

Retirement 105

Retirement Education Medical Investing 105

Good Financial Cents

MARCH 29, 2023

Thinking about converting your retirement account to a Roth IRA? This kind of conversion can certainly be lucrative over time, but you should definitely weigh all the pros and cons before you decide. This comprehensive tool puts the power of planning in your own hands.) It’s easy to see why the Roth IRA is so incredibly popular.

Taxes 98

Taxes Retirement Distribution Accounting 98

Random Roger's Retirement Planning

MAY 18, 2023

Bloomberg did a survey and found that Generation-X does not feel like it will be "financially prepared for retirement." Anyone closer to the younger edge of Gen-X could probably benefit by cutting expenses now, the impact of that could compound over the next 20+ years as they approach a normal retirement age.

Retirement 75

Retirement Wealth Advisor Math Medical 75

Good Financial Cents

MARCH 20, 2023

When at the point of wondering how to invest $200,000, that’s definitely a good sign. Also, the brokerage account you open is considerably more liquid than any tax-advantaged retirement plan. This type of account lets investors save a lot more for retirement than is possible with a 401(k).

Investing 98

Investing Investments Risk Tolerance Retirement 98

Clever Girl Finance

DECEMBER 1, 2022

No one cares about your financial well-being more than you, so it's important to have a financial plan for yourself. Knowing how to make a financial plan will allow you to save money, afford the things you really want, and achieve long-term goals like saving for college and retirement. Retirement savings. Plan for taxes.

Financial Planning 105

Financial Planning Planning Budgeting Insurance 105

Good Financial Cents

AUGUST 11, 2022

Track your retirement. Did you know you might be able to actually retire with $1 million? While it’s better if you have some time to invest the money instead of using it for retirement, retiring with this much is a reality for many people. You may be wondering if you can actually retire with $2 million dollars!

Investing 110

Investing Investments Marketing Marketing 110

Good Financial Cents

JUNE 11, 2023

This is an excellent tool since most 401(k) plans don’t, any kind of investment management advice. Retirement Planner You can often find retirement planners or retirement calculators on various sites throughout the Internet. And that’s a huge win we can all settle for. Is Personal Capital for Me?

Management 80

Management Investing Investments Accounting 80

Clever Girl Finance

SEPTEMBER 4, 2022

How much to save depends on your circumstances, you’ll definitely find some ways that could improve life while still saving cash. It definitely adds to the save more live better lifestyle! Improve your life by investing for retirement. We couldn’t talk about saving money without discussing the big “R”: retirement.

Food 96

Food Retirement Budgeting Accounting 96

Clever Girl Finance

NOVEMBER 25, 2023

Generally, you will use these investments to fund your retirement. Keep in mind, if your employer offers a free match on your investments , you definitely want to take advantage of this match ASAP. For most people, one big goal is funding their retirement. Some experts advise saving 10% of your income for retirement.

Investing 96

Investing Investments Risk Tolerance Accounting 96

Random Roger's Retirement Planning

DECEMBER 15, 2024

Bloomberg had an article titled As Gen-X Nears Retirement, Many Fear They Can't Afford It-Now or Ever. Most of them definitely have accumulated decent sums thus far, maybe not enough to be on track for what they think they need, but they aren't in desperate trouble except for maybe one of them. Probably not. Probably so.

Retirement 52

Retirement Retirement Planning Numbers Planning 52

Clever Girl Finance

OCTOBER 14, 2022

You definitely want to avoid being in situations like this, which means you should learn to manage your money well. Contribute to your retirement. Saving for retirement now can seem unnecessary. After all, you aren’t going to be retiring for decades. Start investing (a big part of how to manage your money).

Management 111

Management Budgeting Insurance Accounting 111

Clever Girl Finance

NOVEMBER 8, 2022

Generally, you will use these investments to fund your retirement. Keep in mind, if your employer offers a free match on your investments , you definitely want to take advantage of this match. In general, these accounts are aimed at saving for your retirement in a tax-advantaged way. It is essentially free money!

Investing 98

Investing Investments Risk Tolerance Accounting 98

Getting Your Financial Ducks In A Row

MARCH 27, 2023

The IRS has not provided definitive guidelines on exactly how you handle the SOSEPP from here… it is abundantly clear that you must continue your series of periodic payments until the end of the distribution period. On the other hand, if you’ve only converted a portion of the traditional IRA to a Roth IRA, this is where it gets murky.

Distribution 136

Distribution Taxes Accounting Retirement Planning 136

The Big Picture

FEBRUARY 21, 2023

If you think about what Vanguard is all about, we sit there each and every day, figuring out how do we help people retire better, put their kids through college, afford that dream home? We were losing market share in the critical retirement, the 401(k) business. You know, I mentioned that tough decision on the retirement business.

Clients 279

Clients Retirement Investing Investments 279

Clever Girl Finance

NOVEMBER 1, 2023

Two types of credit How your credit score is calculated Expert tip: Credit isn’t everything Key tips to build and maintain your credit 3 Common credit myths What is a simple definition of credit? There are other things that matter just as much, like saving, investing, and retirement planning. What is a good credit score?

Accounting 96

Accounting Retirement Planning Retirement Planning 96

Tucker Advisors

NOVEMBER 3, 2021

While the market remains strong, how does this news affect the savings of retirees or those about to retire? . So, how do people who are retired or about to retire combat this inflation? But for someone retired or nearing retirement, this strategy could be fatal to their portfolio. .

Retirement 52

Retirement Portfolio Retirement Planning Assets 52

Clever Girl Finance

NOVEMBER 4, 2022

While your definition of financial stability is unique, it’s important to be aware of your financial situation. Knowing the definition of financial stability is only one-half of the equation. Saving for retirement in 30 years is also a long-term goal. Some common long-term goals include: Saving for retirement.

Budgeting 103

Budgeting Accounting Planning Retirement 103

Clever Girl Finance

MARCH 19, 2024

No one cares more about your financial well-being than you, so having a personal financial plan is important. Knowing how to make a financial plan will allow you to save money, afford the things you want, and achieve long-term goals like saving for college and retirement. Table of contents What is a financial plan?

Financial Planning 98

Financial Planning Planning Budgeting Retirement 98

Random Roger's Retirement Planning

MARCH 7, 2024

There are of course many definitions. If you ask most market participants, I think they'd say they are "long term" investors but what does long term mean? For me, I tend to hold for many many years. Quite a few client holdings have been in the portfolio for more than 15 years.

Medical 98

Medical Clients Taxes Portfolio 98

Random Roger's Retirement Planning

NOVEMBER 24, 2023

Definitely answer the question directly. Then at some age beyond the typical range of middle-age, and advisor should be able to swing retiring financially speaking. Additionally it is my preference to not retire as I've mentioned many times so having a normal allocation to equities is not ideal in my case.

Clients 72

Clients Retirement Accounting Taxes 72

WiserAdvisor

OCTOBER 31, 2023

Others, such as retirement planning or buying a home, require a long-term commitment. Short-term goals can include saving to buy a car or settling your credit card debt, while long-term goals could encompass funding your children’s education or retiring comfortably. Planning for these scenarios is essential.

Financial Planning 59

Financial Planning Planning Medical Retirement 59

Random Roger's Retirement Planning

OCTOBER 19, 2022

Over a longer period, the daily reset could definitely work against the holder of the fund but more often than not it will go up when stocks go down for a longer period. Bonds up stocks down is much closer to the should work end of the spectrum, it is most definitely not direct cause and effect.

Numbers 97

Numbers Marketing Marketing Management 97

Harness Wealth

MARCH 11, 2024

The definition of a high-income earner according to the IRS The IRS definition of a high-income earner is not perfectly clear. Generally, two definitions are widely reported within the industry: The Tax Reform Act of 1976 mandates the annual reporting of data on individual income tax returns with income of $200,000 or more.

Startup 59

Startup Taxes Medical Retirement 59

Clever Girl Finance

FEBRUARY 18, 2023

Obviously, you'll need to keep your prices competitive, but if there's an opportunity to increase your pay you definitely should. Which results in building wealth and is a key part of retirement planning as well. Having a combination of these different sources of income in place is a great idea.

Portfolio 98

Portfolio Investing Investments Retirement Planning 98