Market Timing and Mutual Funds |
July 3, 2013 |
Allen Trimble, Member Posts, Retirement Planning
Written By: Allen Trimble in San Antonio, TX Much has been written about mutual funds over the years. On one end of the spectrum, mutual funds have been credited with the “democratization of investing” by making the stock market available to virtually everyone; on the other, they are demonized as if they were Wall Street ponzi schemes! Much of the negative press about mutual funds is due to their complex and sometimes hefty fee structures, and much of it has to do with the “all-in...
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What’s Your “ROI”? |
June 25, 2013 |
Allen Trimble, Member Posts, Retirement Planning
Written By: Allen Trimble | Secure Money Solutions Recently I met with a client for his bi-annual review to discuss his portfolio, more specifically his retirement income plan. He wants to retire in three years, and he asked me what “ROI” he needed in retirement to maintain his desired standard of living? As many of you may have done, he had done some research and come across the “4% Rule” which has been the bedrock of retirement income planning for most brokers and advisors for...
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Finding Financial Stability In Retirement |
June 19, 2013 |
Allen Trimble, Member Posts, Retirement Planning
Written By: Allen Trimble | Secure Money Solutions When I talk with folks about their retirement, about their portfolios in retirement and about income in retirement, one word that often comes up is “stability”. People naturally want stability in retirement. They want stable portfolios that grow consistently and earn reasonable rates of return. They want stability of income, meaning that if they are taking income from their portfolios, that income is secure and sustainable. But there is so much uncertainty in the world today that...
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Hold Off On Your Retirement |
June 12, 2013 |
Jeffrey Kiesel, Member Posts, Retirement Planning, Your Retirement
Written By: Jeffrey Kiesel | Solid Rock Retirement Before you do anything else to plan for your retirement, do yourself a favor and read the “Gathering List” below. When you have read and done all of the items on this list you will be ready to make your preliminary retirement plan. Once you have done that, you should make an appointment to speak with a financial retirement specialist or advisor. You want that person to have a working knowledge of all or most of these...
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Does Your Nest Egg Contain Sticks of Dynamite? |
June 4, 2013 |
Allen Trimble, Member Posts, Retirement Planning, Your Retirement
Written By: Allen Trimble | Secure Money Solutions For years, many investors have held bond funds as a way to buffer their portfolio from the volatility of the stock market. Ironically, bond funds have provided more of the returns than stock funds, in many portfolios, over the last 12 or 13 years. Now we may be approaching a point where your portfolio needs a buffer from both stock and bond funds! What many folks don’t realize is that we have been in a bull market...
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Taxes Are On Sale And You Can Save Thousands By Paying Them Now |
May 15, 2013 |
Member Posts, Nina Avery, Retirement Planning
Written By: Nina Avery, CFP® | Avery Safe Money Solutions You may find it hard to believe that taxes are currently at historically low rates. You may find it harder still to believe that your traditional qualified retirement plan (IRA, 401k, 403b, etc.) is a tax bomb waiting to happen. “Conventional wisdom” advises delaying or postponing paying taxes – you might know this as deferring – but the truth is, you are not just postponing the tax, you are also postponing the tax calculation. You...
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Income Taxes on Financial Inheritance for Non-Spousal Beneficiaries |
May 14, 2013 |
Annuity Basics, Member Posts, Retirement Planning
Written By: Lyndol Anderson | West Texas Senior Solutions This general information gives basic details on options for settling inherited financial accounts. The ramifications to a beneficiary’s personal estate and income taxes will be discussed. The most common types of inherited accounts are listed in order of highest to lowest potential income tax burden. 1) Tax Qualified Accounts: IRA’s, 401(k)’s, 403(b)’s, etc. 2) Tax Deferred Non-Qualified Annuities 3) Bank Accounts: CD’s, Money Markets, Checking Accounts, etc. 4) Life Insurance 1-a) IRA Accounts: The funds in...
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