MainStreet Financial Planning

DECEMBER 20, 2023

Factors to consider would include – job changes, a change in the number of dependents, or a change in the number of breadwinners. If you are unsure if your portfolio aligns with your risk tolerance, time horizon and goals, reach out to us at Mainstreet and we would be happy to help!

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Inside Information

JANUARY 31, 2025

But a number of readers got back to me with a reality check. Depending on a firms tech strategy, she wrote, advisors may have to log in to the CRM, custodian, portfolio accounting, planning software, tax planning software, estate planning software, social security maximizer software, etc., Slow adoption goes much deeper than that.

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WiserAdvisor

APRIL 25, 2023

Your investment strategy determines the target percentages for each asset, often based on your risk tolerance, investment goals, and time horizon. This may lead to a higher or lower risk profile than initially intended. With a higher income, your risk tolerance can increase, and you may be more open to investing in equities.

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WiserAdvisor

MAY 29, 2025

IRAs offer tax advantages and encourage consistent, long-term investing. Tip #3: Identify investment strategies to build long-term wealth Building long-term wealth requires identifying investment strategies that align with your goals, risk tolerance, and timeline. Markets fluctuate, media narratives change, and fear can set in.

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Clever Girl Finance

FEBRUARY 2, 2024

The SEP-IRA (AKA Simplified Employee Pension) Expert tip: Understand your risk tolerance How to save for retirement in your 20s when you’re just starting out How much should I contribute to my 401(k) in my 20s? The great thing about the 401(k) plan is that you get to save the maximum amount of your income before taxes.

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Good Financial Cents

DECEMBER 26, 2022

I’m a big fan of the Roth IRA and investors that understand it’s massive tax-free benefits are also. A Roth IRA is a type of individual retirement account (IRA) that allows you to contribute after-tax money and withdraw it tax-free in retirement. Roth IRA Conversion Taxes. What is a Roth IRA?

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Random Roger's Retirement Planning

MARCH 22, 2025

I also owned the name for a couple of more risk tolerant clients. The literature seems to say it is not a replication strategy, based on the number of markets it trades, it looks like a full implementation. To me, that was a great mix of attributes.

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Good Financial Cents

JANUARY 26, 2023

You’ll need to carefully manage your budget, invest in efficient high-yielding assets , and review the numbers regularly so you can work towards retiring at a reasonable age without sacrificing your lifestyle along the way. For example, if you earn 10% on your investments, but you’re in the 30% tax bracket, your net return is only 7%.

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Clever Girl Finance

NOVEMBER 25, 2023

Determine how much money you should invest In this step, you’ll be crunching some numbers! If your target numbers are a lot larger than the amount you can realistically afford to invest, you’ll need to look into ways to increase your income. By leveraging tax-advantaged accounts, you can take full advantage of their tax benefits.

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Good Financial Cents

MARCH 20, 2023

Invest in the Stock Market Suggested Allocation: 40% to 50% Risk Level: Varies Investing Goal: Long-term growth The stock market is where most of us save for retirement already, mostly through the use of tax-advantaged retirement plans, like a 401(k), SEP IRA, or Solo 401(k).

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WiserAdvisor

AUGUST 26, 2022

Are you good with numbers, accounting, and financial planning? However, this requires you to put in dedicated time and effort on your part to track your finances and learn about accounting, taxes, and financial planning. Your existing debt and taxes. Improve your tax situation. Your present and future financial goals.

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eMoney Advisor

MARCH 21, 2023

Focus on Planning and Investing Opportunities Beyond the communication and comfort you can provide to your clients when markets are fluctuating, there are a number of tangible planning and investment opportunities that are within your control that should also be explored. Loss Aversion: Definition, Risks in Trading, and How to Minimize.”

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Good Financial Cents

DECEMBER 29, 2022

Unfortunately, the sheer number of investment options to choose from can be overwhelming and downright confusing. Risk level : Varies. A Roth IRA is a type of investment account that lets you invest after-tax dollars for retirement. Risk level : Low. There are a number of options for investing $1,000, including: 1.

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Darrow Wealth Management

OCTOBER 29, 2024

This is critical because without rebalancing, you may be taking on more risk than necessary to meet your goals. First, your investment goals or risk tolerance might change, requiring your asset allocation to be updated. As you approach retirement, managing risk is even more important. Then work down, perhaps going to U.S.

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Clever Girl Finance

DECEMBER 1, 2022

You should also go over the numbers. Think about the reason for the investment, when you'll need the money, and what your risk tolerance is. Plan for taxes. Yup, taxes! Taxes are annoying, but they're certainly not going away anytime soon. So make sure your long-term income projections include taxes.

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WiserAdvisor

DECEMBER 15, 2023

Financial advisors can offer insights into a diverse range of investment instruments, including stocks, bonds, real estate, and precious metals like gold, and align the recommendations with your risk tolerance and long-term goals. These professionals also go beyond the numbers and charts and educate you about investing.

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Zajac Group

JANUARY 31, 2022

For example, RSU and NQSO have different rules about when they are taxed (RSUs at vesting, no choice ) ( NQSOs at exercise , choice of timing). A 50%/50% split might be attractive to someone who wants some security and some risk. A Primer on the Tax Impact of NQSOs and RSUs. For NQSOs, tax is due when you exercise your option.

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Carson Wealth

AUGUST 25, 2022

often fail to consider sequence of return, housing, longevity, health or family risks faced in retirement. Focus on Your Retirement Plan Rather Than a Magic Number. A better question than “What’s my magic number?” would be “How do I plan for retirement?“

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Good Financial Cents

JANUARY 17, 2023

It offers a way for employees to save for retirement on a tax-deferred basis, while also requiring employers to make contributions on behalf of their employees. Another key benefit of a Simple IRA is that it allows employees to make contributions to the plan on a pre-tax basis. Benefits of the Simple IRA vs 401k. Do not overlook this.

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Good Financial Cents

FEBRUARY 15, 2023

Outstanding customer service, including a large number of local branch offices. Advanced tax optimization strategies. As is typical with robo-advisors, you’ll begin by completing a brief questionnaire designed to determine your risk tolerance and investment goals. Fidelity is an excellent choice for any investor.

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Harness Wealth

APRIL 19, 2022

Tax efficient selling strategies. Gifting and tax-efficient trusts. Be tax efficient when you sell: Identify the most tax efficient order for selling options/shares. If you hold equity from more than one grant, ensure that you have evaluated the most tax efficient sale plan. Exercising options. Margin Lending.

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Harness Wealth

APRIL 17, 2023

In this guide, we’ll explore the ins and outs of tender offers, discuss their associated tax implications, and give you the information you need to plan ahead for any tender offers in your future. Do You Owe Taxes In A Tender Offer? Do You Owe Taxes In A Tender Offer? Table of Contents: What Is A Tender Offer?

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Good Financial Cents

JUNE 11, 2023

Mint does a fantastic job of giving you numbers, but falls short on providing any financial insight. Like other similar products, they first determine your risk tolerance, personal preferences, and investment goals. Tax Optimization Personal Capital uses tax optimization in the management of your portfolio.

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Zoe Financial

JUNE 6, 2023

Moreover, we’ll shed light on the erosive impact of taxes, exploring the pros and cons of popular strategies and uncovering how education savings can become a valuable tax deduction. Eye-opening and jaw-dropping reactions are expected when we look at the numbers related to high education over the last two decades.

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WiserAdvisor

FEBRUARY 29, 2024

While these numbers may seem abstract at first glance, they highlight a critical point. This process is not only intricate but also pivotal in ensuring that your investments align with your financial objectives and risk tolerance. Asset allocation is the foundation of diversification and prudent investment management.

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Investing Caffeine

MAY 3, 2023

Hope is Not a Strategy We have lived through an endless number of scary headlines in some shape or fashion throughout our lifetimes. Risk Tolerance: What is your asset allocation? Tax Planning: Are you maximizing your tax-deferred investment accounts? default on its debt? How will elections affect the economy?

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Retirement Retirement Planning Financial Advisor Planning 59

Fortune Financial

APRIL 11, 2024

Search for Unclaimed Funds and Gather Documentation: Start by locating any previous plan statements you may have, as they will provide your account number and the plan administrator’s contact information. Additionally, upon retirement, strategically withdrawing from retirement accounts can further optimize tax efficiency.

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Retirement Retirement Planning Financial Advisor Accounting 59

Bell Investment Advisors

DECEMBER 13, 2022

These programs come in several flavors, each with its own attributes, constraints, and tax implications. These plans permit employees to purchase a specified number of shares at pre-set prices on predetermined dates. Taxes play an outsized role. Furthermore, ISOs are not subject to payroll taxes or withholding.

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Zajac Group

AUGUST 11, 2022

However, a down stock price might mean that you could score some tax breaks if you exercise and hold some of those ISOs. When the price is down, the move might help minimize alternative minimum tax (AMT). Controlling additional shares bought outright, coupled with a disqualified ISO sale, may result in a higher after-tax value.

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Darrow Wealth Management

MAY 3, 2024

And ultimately, how to invest a windfall will depend on a number of factors, including your risk tolerance, time horizon, and spending plans. And that’s before even considering taxes or market volatility! The tax treatment can be very different in all of these scenarios.

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Darrow Wealth Management

MAY 3, 2024

And ultimately, how to invest a windfall will depend on a number of factors, including your risk tolerance, time horizon, and spending plans. And that’s before even considering taxes or market volatility! The tax treatment can be very different in all of these scenarios.

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The Big Picture

SEPTEMBER 12, 2022

I wasn’t that typical person that did a number of, you know, internships during the summer, had that …. BITTERLY MICHELL: … this isn’t a generalization, but they have a higher risk tolerance. there’s a big focus on how do we optimize for tax efficiency, too. It’s different wealth regimes, it’s different tax regimes.

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Zajac Group

FEBRUARY 10, 2025

If you dig even deeper, you may also think about tax implications, including the alternative minimum tax and qualified holding periods. But the basics of equity compensation and tax aside, theres something else you might want to be mindful of something that is a bit more difficult to define or quantify.

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Harness Wealth

JUNE 1, 2023

These services typically include: Wealth Management: Advisors can offer customized investment portfolios aligned with your risk tolerance, time horizon, and financial objectives. Tax services provided through Harness Tax LLC. This plan may cover estate and retirement planning, college savings, debt management, and more.

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Zajac Group

JUNE 15, 2022

Who doesn’t love a great tax break? Why not make best use of your tax-planning powers when you do? At a glance, it would seem qualified dispositions are the way to go: Qualified dispositions: Proceeds are taxed at (usually lower) long-term capital gains rates. Fewer taxes are better, right? Is this a risk worth taking?

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Harness Wealth

JUNE 9, 2023

Without effective personal financial management, you risk losing money to poor budgeting, poor tax planning, or even just to inflation. Taxes and Inflation: The Silent Killers of Returns Annual returns on investments are affected by both inflation and taxes, and they can drastically reduce the actual returns of your investments.

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Brown Advisory

DECEMBER 2, 2015

This includes articulating a policy with regard to investment risk tolerance, long-term goals, cash flow needs and sector diversification. Set hard numbers. Create a portfolio structure buffered against taxes. Therefore, it is essential that we structure client portfolios to be tax efficient.

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