Darrow Wealth Management

OCTOBER 1, 2022

Is retiring with a mortgage a good idea? Retiring with a mortgage doesn’t typically pose a financial risk, and at times it’s the best financial decision. But paying off a mortgage before retirement has upsides also. Here’s when it may – and may not – make sense to pay off a mortgage before retiring.

Retirement 81

Retirement Taxes Math Wealth Management 81

Random Roger's Retirement Planning

NOVEMBER 19, 2023

Yahoo Finance had kind of a long read recapping an update from Morningstar about safe retirement withdrawal rates. I would much rather withdraw 10% or more per year from my retirement accounts and do it without taking any principal. Part of the math that determines options premiums is the risk free rate of return from T-bills.

Retirement 70

Retirement Accounting Math Healthcare 70

The Big Picture

NOVEMBER 27, 2023

This is before we get to the issue of capital gains taxes, which create a hurdle of (minimum) 20% on those pesky profits just to get to breakeven. When you get it wrong, it crushes your retirement plans. Let’s add some color to the discussion on timing itself and add a little nuance.1 I sure as hell don’t want to either.

Marketing 293

Marketing Marketing Math Retirement Planning 293

Mullooly Asset Management

JULY 28, 2022

” In this week’s podcast, Tom and Casey debunk this common misconception by explaining the math behind required minimum distributions. In this week’s podcast, Tom and Casey debunk this common misconception by explaining the math behind required minimum distributions.

Distribution 52

Distribution Accounting Math Retirement 52

The Irrelevant Investor

SEPTEMBER 19, 2020

Yesterday Ben and I did a show on retirement. Once they earn their first taxable income you impose a “Dad Tax” and extract a small amount, and then demonstrate your love by funding it to the maximum allowable with “Dad Dollars”. We should have a sense of urgency about retirement because it's coming, and there are no do overs.

Retirement 52

Retirement Math Education Planning 52

Carson Wealth

FEBRUARY 22, 2023

Matt Kory, Vice President, Retirement Programs As a retirement income vehicle, the 401(k) is second in popularity only to Social Security – and as CNBC reported in 2019 the number of 401(k) millionaires is at an all-time high. But is a million dollars even enough for your retirement needs? Just think of the numbers.

Retirement 98

Retirement Taxes Planning Math 98

Trade Brains

DECEMBER 7, 2023

The course covers an introduction to personal finance, credit cards, life insurance, health insurance, investment instruments, loans, income tax and planning, budgeting and building a strong portfolio. Also, you will learn how to plan your taxes, credit score importance and how to budget your income to create a portfolio.

Budgeting 59

Budgeting Certification Education Asset Allocation 59

Random Roger's Retirement Planning

NOVEMBER 6, 2023

It's been a while since this sort of thing was relevant for my day job so something could have changed, weeklies didn't exist for example, but if my math is correct then it was way over exposed which would account for last week's decline in the fund price. Please leave a comment if I did the work incorrectly.

Math 97

Math Education Management Taxes 97

Random Roger's Retirement Planning

FEBRUARY 4, 2024

Today's post will look at a couple of different retirement articles that I stumbled into this weekend. The Economist posted an opinion piece titled Why You Should Never Retire that I found via a Thread from Unusual Whales. I don't think that everyone loses purpose by retiring or otherwise moving on to a new chapter.

Retirement 40

Retirement Math Government Taxes 40

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.

Retirement Planning 52

Retirement Planning Budgeting Retirement Wealth Management 52

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 74

Retirement Wealth Advisor Math Medical 74

Random Roger's Retirement Planning

JULY 9, 2023

Generally speaking, pensions are less viable than they used to be, the math doesn't work as well. The only pension I am remotely close to is the Arizona Public Safety Personnel Retirement System. The concept of pensions is that they provide a security net to retired workers. Is he right? Is he wrong?

Retirement 47

Retirement Math Management Taxes 47

Random Roger's Retirement Planning

APRIL 22, 2024

The article devoted a good amount of space to bond market math, focusing on the pain of owning the iShares 20+ Year Treasury ETF (TLT) and bond funds in general. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation.

Marketing 88

Marketing Marketing Financial Advising Math 88

Random Roger's Retirement Planning

FEBRUARY 29, 2024

The simple 40 year trade for bonds of "number go up" is finished and as a matter of math, can't be repeated. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation. Taking volatility out of a fixed income portfolio is fairly simple.

Marketing 77

Marketing Marketing Math Portfolio 77

Clever Girl Finance

FEBRUARY 6, 2023

The term personal finance ratios might be giving you flashbacks to math class. You can use ratios to keep track of many different aspects of your financial situation—from cash flow to savings to retirement and more. You can choose whether to use a gross figure or your actual take-home pay after taxes.

Numbers 74

Numbers Assets Retirement Budgeting 74

Random Roger's Retirement Planning

FEBRUARY 24, 2024

In the case of real estate a 2.29% weighting and for "private equity" companies it's about 17 basis points (looked at XLF holdings and then did a little math), that's just not going to move the needle. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation.

Math 72

Math Portfolio Marketing Marketing 72

Random Roger's Retirement Planning

DECEMBER 1, 2023

A quick excerpt from a post a couple of weeks ago about retirement misconceptions. I would much rather withdraw 10% or more per year from my retirement accounts and do it without taking any principal. Part of the math that determines options premiums is the risk free rate of return from T-bills.

Math 60

Math Retirement Numbers Portfolio 60

Brown Advisory

AUGUST 1, 2019

So it may be surprising to hear that a Roth IRA—a vehicle ostensibly intended for retirement income—can be a powerful mechanism for next-generation wealth transfer. Background Since January 1, 2010, all individuals, regardless of income levels, have been able to convert existing retirement accounts such as traditional IRAs into Roth IRAs.

Planning 52

Planning Distribution Taxes Accounting 52

Brown Advisory

AUGUST 1, 2019

So it may be surprising to hear that a Roth IRA—a vehicle ostensibly intended for retirement income—can be a powerful mechanism for next-generation wealth transfer. Since January 1, 2010, all individuals, regardless of income levels, have been able to convert existing retirement accounts such as traditional IRAs into Roth IRAs.

Planning 52

Planning Distribution Taxes Accounting 52

Clever Girl Finance

AUGUST 2, 2022

Let’s look at one tried-and-true way of multiplying your assets: retirement accounts. How to turn 10K into 100K through investing in retirement accounts. Although it may not sound glamorous, retirement accounts are a solid means of increasing your money. IRAs or Roth IRAs. without penalties. Similar to the 401(k) is a 403(b).

Education 59

Education Retirement Investing Investments 59

Random Roger's Retirement Planning

NOVEMBER 21, 2023

The webinar talked about the future of model portfolios transitioning from a combo of ETFs for passive and mutual funds for active to include more direct indexing to allow for "tax optimization." So using simple math, the total return is 34% versus 72% for the common. Based on an initial price for NVDY of $20, the $4.53

Portfolio 74

Portfolio Asset Allocation Math Compliance 74

Random Roger's Retirement Planning

FEBRUARY 6, 2024

It is important to understand the math though. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation. Then a small slice into one or two holding you believe to be reliably negatively correlated to equities.

Portfolio 65

Portfolio Math Management Investing 65

Walkner Condon Financial Advisors

JUNE 2, 2023

In this regard, financial planning seems to differ from science, technology, engineering and math (STEM) careers where many women leave their jobs in their mid-thirties after a few years of experience on the job.” women tend to live longer, making it much more important to plan for a longer retirement) or a subjective one (e.g.

Financial Planning 98

Financial Planning Planning CFP Financial Advisor 98

Random Roger's Retirement Planning

FEBRUARY 1, 2024

The 75/50 captures 75% of the upside with only 50% of the downside, the math on that works out favorably over the long term. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation. I have 75/50 in mind as sort of a benchmark.

Portfolio 40

Portfolio Math Assets Taxes 40

The Big Picture

FEBRUARY 6, 2024

You wouldn’t be surprised to learn the tax consequences of owning a mutual fund is a part of it. I’d say management consulting is any of the other thing that least at that time was the other career trajectory, just my personality, more of a math oriented introvert. Really fascinating guy. So I was at Harvard.

Valuation 130

Valuation Investing Investments Assets 130

Midstream Marketing

SEPTEMBER 24, 2019

As a financial advisor or other investment professional, you’re no doubt already well aware that the “math” side of the conversation is a large part of what your clients need help with every day. Retirement Planning. Retirement planning is a very precise process, and one that is unique to the individual.

Financial Advisor 52

Financial Advisor Retirement Planning Retirement Planning 52

Clever Girl Finance

DECEMBER 16, 2023

Figure out how much money you make in after-tax income. More accurately, 70% of your take-home pay, or net income after taxes, not pre-tax income. Once you know your weekly or monthly income, you can do the simple math of calculating how much 70% would be. Consider some of these ways to save.

Budgeting 72

Budgeting Retirement Accounting Taxes 72

The Big Picture

SEPTEMBER 19, 2023

One, one is true and I’ve always said is that I wanted people to stop, ask if I could doing math. And no one asked me if I can do math anymore with a degree from Booth, particularly in econometrics and statistics. So people really ask you, you take French and can you do math. So I applied to Maryland State retirement.

Assets 141

Assets Management Portfolio Investing 141

Clever Girl Finance

FEBRUARY 21, 2024

The term personal finance ratios might give you flashbacks to math class, learning various formulas, equations, and ratios. You can use ratios to keep track of many different aspects of your financial situation—from cash flow to savings to tips for retirement planning and more.

Assets 77

Assets Numbers Math Retirement 77

Clever Girl Finance

FEBRUARY 10, 2023

And don't worry if math isn't your thing because we've included 50 30 20 budget spreadsheet ideas to help you stay on top of your budgeting strategies. You start off with your after-tax income , which represents 100% of what you have to work with, and then you work out the different spending groups from there.

Budgeting 97

Budgeting Taxes Transportation Healthcare 97

Clever Girl Finance

SEPTEMBER 11, 2023

And don’t worry if math isn’t your thing because we’ve included 50 30 20 budget spreadsheet ideas to help you stay on top of your budgeting strategies. You start off with your after-tax income, which represents 100% of what you have to work with, and then you work out the different spending groups from there.

Budgeting 81

Budgeting Taxes Transportation Healthcare 81

Good Financial Cents

JULY 3, 2023

Calculation Breakdown Let’s break down the math to find out how much you could earn annually with a $30 hourly wage: Consider an average workweek of 40 hours and an average year consisting of 52 weeks. Keep in mind that this calculation represents the gross annual salary, not accounting for taxes, insurance, 401K, or deductions.

Budgeting 72

Budgeting Taxes Numbers Retirement 72

Bell Investment Advisors

NOVEMBER 27, 2023

For example, those inheriting an IRA might be subject to the IRS’s 10-year rule, which imposes stiff tax penalties on certain beneficiaries who fail to withdraw the full balance of the account within a decade of the original owner’s passing. Another factor to consider is the concept of Separate Property. But so do opportunities.

Accounting 52

Accounting Distribution Investment Advisor Taxes 52

Random Roger's Retirement Planning

JUNE 3, 2023

One is that a politician who votes to cut benefits or raise the retirement age will probably lose some voter support. If congress does nothing, then starting in 2034 incoming payroll taxes would cover 80% of retiree payouts implying a 20% cut. Cutting benefits and raising taxes are the two most talked about way to fix it.

Retirement 55

Retirement Taxes Math Accounting 55

Clever Girl Finance

JANUARY 29, 2023

This is very important for retirement, and knowing what your target net worth by age should be will help you better understand how to reach your personal financial goals. Any medical debt, personal loans, or back taxes are also considered liabilities. Your retirement savings and investment portfolio should be well established by now.

Budgeting 114

Budgeting Retirement Assets Education 114

Sara Grillo

MAY 8, 2023

They go crazy and paint it with BS statements like: Tax-free guaranteed income Can’t lose money asset Upside potential with downside protection Privatized banking Be your own bank Remember that there is a floor to the crediting rate, but that doesn’t mean you can’t lose money. Here’s why that stinks.

Insurance 59

Insurance Clients Financial Advisor Accounting 59

The Big Picture

AUGUST 8, 2022

ANAT ADMATI, PROFESSOR OF FIANCE AND ECONOMICS, STANFORD GRADUATE SCHOOL OF BUSINESS: So, my journey starts where I took a lot of math. I was good in math and I love the math. So, I was kind of, in my romantic mind when I was in my early 20s, I was going to take but not give back to math, that kind of thing.

Banking 195

Banking Government Insurance Taxes 195