WiserAdvisor

SEPTEMBER 13, 2023

While grappling with various aspects of retirement planning, it is imperative to acknowledge a critical factor that often does not receive its due attention – longevity risk. Longevity risk refers to the risk that people are living longer lifespans than previous generations.

Retirement Planning 52

Retirement Planning Retirement Planning Risk Tolerance 52

Million Dollar Round Table (MDRT)

JUNE 27, 2023

Instead, your general practitioner may have referred you to that cardiologist to diagnose a specific heart problem. We want our clients, our prospects and those who refer us to understand what we’re great at and that we’re specialists in that field, much like cardiologists are specialists in their field.

Clients 97

Clients Retirement Planning Taxes Retirement 97

Integrity Financial Planning

FEBRUARY 20, 2023

The concept of retirement planning is simple. Despite changes in the economy or in life itself, the concept of planning your retirement has remained unchanged. We work, save, retire, and repeat for generations over. However, it goes without saying that your retirement plan and spending habits need to be flexible.

Retirement Planning 95

Retirement Planning Retirement Planning Financial Planning 95

Cordant Wealth Partners

SEPTEMBER 8, 2022

Vesting refers to the ability of a participant to take all money in their 401(k) plan with them when leaving an employer. The Microsoft 401(k) retirement plan offers many excellent choices among actively managed and index funds. The Plan is subject to change by Microsoft.

Retirement Planning 52

Retirement Planning Retirement Planning Taxes 52

MainStreet Financial Planning

MARCH 14, 2024

The IRS website has this helpful Tax Withholding Estimator you can use as a reference if you are unsure how much to withhold. Explore Tax-Advantaged Accounts: One way to lower your tax burden is to take advantage of your employer’s retirement plan if they have one by contributing pre-tax dollars into your 401(k) or 403(b).

Taxes 97

Taxes Retirement Planning Healthcare Retirement 97

Darrow Wealth Management

MARCH 3, 2025

For reference, a correlation of 1.0 Retirement planning, like any type of robust financial planning, should include stress testing your investment strategy and financial plan. means the assets are perfectly correlated and will move in tandem. After all, volatility is a when , not an if.

Risk Tolerance 78

Risk Tolerance Asset Allocation Assets Portfolio 78

Integrity Financial Planning

APRIL 14, 2023

Now, when “work” is mentioned, it doesn’t refer to your 9-to-5; it refers to dedicating yourself to projects and endeavors that challenge you and pose an opportunity to achieve something. In other words, you’re not working for money anymore—you have that covered with a comprehensive retirement plan.

Retirement 98

Retirement Financial Planning Retirement Planning Planning 98

FMG

MAY 19, 2025

Add keywords your audience might use, like Financial Advisor | Retirement Planning or “Wealth Management | Tax Planning.” Include Keywords for Discoverability People search Instagram like they do Google, so include keywords like retirement planning, wealth advisor, or student loan help to boost discoverability.

Financial Advisor 52

Financial Advisor Retirement Planning Retirement Media 52

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

Yardley Wealth Management

SEPTEMBER 10, 2024

Take advantage of tax-advantaged retirement accounts such as 401(k)s, IRAs, and Roth IRAs to maximize your contributions and benefit from tax-deferred or tax-free growth. Learn more about retirement plan options here. Aim to contribute as much as you can afford to these accounts each year to accelerate your retirement savings.

Retirement 40

Retirement Risk Tolerance Investments Investing 40

Integrity Financial Planning

SEPTEMBER 12, 2022

These five key components will help simplify the bucket strategy so you can understand it and apply it to your retirement strategy. The retirement bucket strategy refers to the idea that your retirement savings can be separated into three buckets, one of them being the Risk Bucket. The Risk Bucket. The Safe Bucket.

Retirement 84

Retirement Risk Tolerance Retirement Planning Certification 84

Harness Wealth

MARCH 7, 2025

However, they also frequently work with clients whose businesses sponsor employer retirement plans that must adjust their systems and raise workers’ awareness to enable them to fully tap into their benefits. Financial advisors often focus on high net worth clients whose wealth stretches far beyond that eligibility.

Taxes 52

Taxes Retirement Financial Advisor Retirement Planning 52

Harness Wealth

APRIL 16, 2025

The fundamentals of Roth and traditional IRAs Traditional IRAs have long served as a cornerstone of retirement planning, offering immediate tax benefits through deductible contributions while deferring taxes until withdrawal. Ready to explore whether a Roth conversion aligns with your retirement strategy?

Taxes 52

Taxes Retirement Distribution Retirement Planning 52

WiserAdvisor

JANUARY 16, 2024

This data can serve as a baseline for tailoring your retirement plan, taking into account factors such as inflation, your current age, and your desired retirement age. These figures can serve as a valuable reference point for individuals planning their retirement.

Retirement Planning 40

Retirement Planning Retirement Planning Financial Advisor 40

Harness Wealth

JANUARY 9, 2025

Both the Mega Backdoor Roth IRA and Mega Backdoor Roth 401(k) allow the additional contribution of funds to retirement plans after pre-tax and Roth contribution limits have been reached. Roth IRAs are also not subject to Required Minimum Distributions (RMDs), allowing more flexibility in retirement planning.

Taxes 52

Taxes Planning Retirement Retirement Planning 52

Random Roger's Retirement Planning

DECEMBER 16, 2022

A few things from the last couple of days all with the theme of retirement planning mistakes to avoid. The 4% rule of course refers to the percentage that can be safely withdrawn from portfolio assets for a sustainable retirement (not running out of money).

Retirement 74

Retirement Retirement Planning Healthcare Numbers 74

Random Roger's Retirement Planning

MAY 15, 2025

Price Action Lab had a blog post that amusingly referred to managed futures as being a long term commitment. That led to an older post that tried to figure out the optimal allocation to managed futures.

Management 64

Management Accounting Clients Taxes 64

Random Roger's Retirement Planning

SEPTEMBER 2, 2022

There was also a reference to the term on an episode of The Simpsons. Increasing the RMD age to 75 will change quite a few aspects of this part of retirement planning. I referred to it as both complex complexity and multivariable complexity. As I've blogged about it, I reiterated my concern about it being overly complex.

Accounting 74

Accounting Asset Allocation Retirement Retirement Planning 74

International College of Financial Planning

JUNE 17, 2025

Introduction to GIFT City and Its Legal-Economic Status The Gujarat International Finance Tech-City, commonly referred to as GIFT City, is a landmark initiative by the Government of India aimed at creating a world-class financial centre within the country.

Compliance 40

Compliance Education Economics Investing 40

Integrity Financial Planning

JUNE 12, 2023

Some states also offer tax exemptions for Social Security benefits and other retirement income sources. Assessing the tax structure of your state and constructing your retirement plan and financial strategy around your state’s tax system can help you stay a step ahead in retirement.

Retirement 92

Retirement Taxes Financial Planning Retirement Planning 92

Random Roger's Retirement Planning

DECEMBER 23, 2024

Today, Meb Tweeted out a reference to the Atlas Lifted report from Robeco which references a similar idea, the Global Market Portfolio which is allocated as follows. This is a little bit of a follow up to yesterday where I mentioned the Global Asset Allocation as mentioned in a paper by Meb Faber.

Sales 52

Sales Asset Allocation Portfolio Assets 52

Harness Wealth

APRIL 16, 2025

Leveraging retirement plans for tax advantages Tech entrepreneurs can create substantial tax advantages through Solo 401(k) plans, which allow contributions up to $69,000 in January 1, 2024 for those under 50. For growing tech startups, establishing company retirement plans serves multiple purposes beyond tax benefits.

Startup 52

Startup Taxes Tax Planning Transportation 52

Random Roger's Retirement Planning

DECEMBER 17, 2024

They are not really proxies for their reference equities, the are products that sell volatility on their reference equities. That's not clear to me but for anyone really wanting Tesla with some income, the 90/10 combo turns it into a 4% yielder based on 2024's payout thus far.

Taxes 52

Taxes Investing Investments 52

Random Roger's Retirement Planning

DECEMBER 15, 2023

600,000-$800,000 are workable numbers for long term retirement planning. That range might not equal anyone's retirement number but a couple of lifestyle tweaks or changes and I think it's a range people could adapt to. Barron's referred to the $439,000 shortfall as a gap. million) on top of Social Security.

Retirement 97

Retirement Numbers Retirement Planning Engineering 97

Random Roger's Retirement Planning

MAY 23, 2025

However, within our current conversation, I can refer back to what we've talked about earlier in this same chat session. I also don't use our conversation to update my training or improve my responses for future users. This means I can't build on things we've discussed in past conversations or remember your preferences over time.

Distribution 52

Distribution Taxes Management Accounting 52

Random Roger's Retirement Planning

NOVEMBER 18, 2024

The Bloomberg note might have been referring to the type of funds that go for alpha no matter what and that can be a difficult way to make a living. Of course it would have been better for it to have been up a little but that sort of decline is far from a failure compared to expecting up a little and it dropping 25%.

Taxes 52

Taxes Marketing Marketing Investing 52

Random Roger's Retirement Planning

MAY 24, 2025

Then Anderson, referring to a different colleague said "he was even more frustrated than I am that public-market investors havent adopted the view that outperformance is reliant on extreme winners." range, those same funds might be very hard pressed to get back to today's prices.

Portfolio 45

Portfolio Numbers Taxes Marketing 45

Random Roger's Retirement Planning

NOVEMBER 1, 2024

I've heard managed futures and carry referred to as being cousins. The variation of carry that RSSY uses goes long markets in backwardation and short markets in contango. Those are different things (repeated for emphasis) and so they can be differentiated return streams from each other. Similar but different.

Management 52

Management Taxes Portfolio Investing 52

Good Financial Cents

APRIL 1, 2023

When you turn age 72, you’re required to begin receiving distributions from the plan. This is always true when neither you nor your spouse are covered by an employer-sponsored retirement plan. The numbers are different if you’re not covered by an employer-sponsored retirement plan, but your spouse is.

Planning 95

Planning Distribution Taxes Retirement Planning 95

Random Roger's Retirement Planning

JANUARY 16, 2025

Like YieldMax, I'd say these don't track their reference securities, they are products that sell the volatility of their reference securities. Here are two examples. And There's differentiation there but they don't really look like the common. The assets are pretty low in these.

Distribution 52

Distribution Portfolio Banking Taxes 52

Midstream Marketing

DECEMBER 10, 2024

Do you specialize in retirement planning for small business owners? This program can encourage your clients to refer others. You can think about offering rewards for people who refer others to you. It is nice to show gratitude to clients who refer others. Make it simple for clients to refer people to you.

Financial Advisor 52

Financial Advisor Marketing Marketing Clients 52

Random Roger's Retirement Planning

APRIL 9, 2024

He referred to the non-managed futures alts at "diversified alpha" but never specified what strategies to include with managed futures. This has sort of been my positioning. A 50 year old with $10 million happily living a $150,000 lifestyle might not need more than 25% in equities but that's not most people.

Management 98

Management Retirement Planning Portfolio Retirement 98

Random Roger's Retirement Planning

MARCH 8, 2025

The name of the fund refers to the tendency of tail risk strategies to lose a lot of money waiting for the next disaster. Matthew Tuttle talked about this a couple of weeks ago but his firm just filed for the Tuttle Capital No Bleed Tail Risk ETF. There aren't too many tail risk funds out there.

Taxes 59

Taxes Clients Marketing Marketing 59

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?

Retirement 75

Retirement Asset Allocation Retirement Planning Portfolio 75

Harness Wealth

APRIL 30, 2025

Employee Stock Ownership Plans (ESOPs) An ESOP allows owners to gradually sell their shares to employees through a qualified retirement plan. Buyers, however, may inherit more risk, which can affect the sale price or deal structure. This approach can create win-win outcomes for both you and your staff.

Taxes 52

Taxes Planning Tax Planning Sales 52

Clever Girl Finance

JULY 24, 2023

4 Reasons you should A 401k is one of the most common types of employer-sponsored retirement plans. Maxing out your 401k further helps you build these hard-to-access retirement savings. A 401k match means your employer will put money into your retirement account based on what you’re contributing on your own.

Retirement 98

Retirement Retirement Planning Accounting Planning 98

Random Roger's Retirement Planning

NOVEMBER 9, 2024

Shareholder yield refers to " companies that are returning their cash to investors through three attributes - dividends, buybacks and debt paydown. Barron's interviewed Meb Faber of Cambria Investments. The main focus was the Cambria Shareholder Yield ETF (SYLD).

Investments 52

Investments Investing Taxes Portfolio 52