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An End-of-Year Financial Checklist
(Main Content/blog)
... they don't receive the full payout. For that reason, it's important to make sure a fund has already made its yearly distribution before you buy shares. Max out retirement contributions. You can stay ...
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How Much Should You Save For Retirement?
(Main Content/blog)
One of the most common questions I hear from my clients is: "How much do I need to retire?" The earlier a person asks that question, the better—because if retirement is relatively far away, you have ...
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The Best Ways to Take Required Minimum Distributions
(Main Content/blog)
Tax-deferred retirement accounts like IRAs and 401(k)'s are a great way to help build a nest egg—but you can be sure that Uncle Sam will expect to get his cut eventually. That's the idea behind required ...
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A Checklist That Could Save You Thousands
(Main Content/blog)
... for large, lump-sum withdraws from retirement accounts for major purchases like cars, home additions, vacations, etc. These IRA withdrawals count as 1099-R income. Reviewing tax status and current IRS ...
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Choosing the Right Advisor
(Main Content/blog)
... hand, an advisor in his 60s may be focused more on retirement than on you. Finally, understand that a long list of credentials doesn't necessarily make for a great advisor. More and more credentialing ...
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Annuities or an Income Portfolio?
(Main Content/blog)
Many retirement-age clients have asked me for my view of annuities as a vehicle for converting their savings into a lifetime income stream. My view is that, while specific annuities may be part of the ...
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Time to Lock in Gains?
(Main Content/blog)
... They might see that their account balance is growing, but not pay enough attention to whether it's getting out of balance. Obviously, this is important because their retirement plans are at stake. Most ...
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Beware of Retirement Benefit Pitfalls
(Main Content/blog)
Many of us look forward to the freedom of retirement with great anticipation. But to have peace of mind about retirement, it's critical to do proper tax and estate planning for your retirement benefits. ...
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Resolve to Achieve Financial Success in 2014
(Main Content/blog)
... a certain amount of credit card debt. Long-term goals often benefit from a fresh review as well. Take another look at how much money you’ll need for retirement, and make sure that you’re contributing ...
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Think Twice About Direct Real Estate Investing
(Main Content/blog)
Many of my clients are interested in investing in rental real estate. They see it as a reliable source of retirement income and believe it may be a good alternative to historically low CD and annuity rates, ...
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Finding Yield in a Low-Yield Environment
(Main Content/blog)
... at historic lows—in combination with the rating agencies' increasingly conservative approach—it's a different ballgame. Yields on the traditional go-to bonds are too low to provide enough income for retirement ...
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DEBT DEAL, DOWNGRADE, DOW DROP … WHERE HAVE WE LANDED?
(Main Content/blog)
... future results, a newly released Fidelity study really illustrates the merits of perseverance. Fidelity looked at 7.1 million 401(k) accounts within its employer-sponsored retirement savings plans to compare ...
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Retirement Statements
(Main Content/widow steps)
These include IRAs, 401(k)s, 457s,403(b)s, pension statements, TSPs, ESOPs, etc. These documents allow us to help build a financial statement to assess where you are now, and build a preliminary income ...
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Retirement Statements
(Main Content/guidelines)
These include IRAs, 401ks, 457s,403bs, pension statements, TSPs, ESOPs, etc. These documents allow me to help build a financial statement to assess where you are now, and build a preliminary income assessment ...
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Retirement Questionnaire
(Main Content/niche markets)
... management allows us to answer the questions that are foremost in retirement investors’ minds, including: • Am I on track for retirement? • How much investment income will I need to retire comfortably? ...
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Stocks That Pay
(Main Content/blog)
... also wants something left over for her kids’ college tuition and her retirement. If Kathy’s portfolio were heavy on growth stocks, she might not sleep very well at night. Growth stocks can increase in ...
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Don't Fear the IRA Rollover
(Main Content/blog)
... involve moving your money from your 401(k), 403(b) or other employer-sponsored account into an Individual Retirement Account that your previous employer has absolutely nothing to do with. For some ...
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Retirement Investors and Retirees
(Main Content/niche markets)
Retirement can be one of the most rich and fulfilling periods in your life. The key is preparation. Rob Copeland, President and CEO of Copeland Wealth Management, has built and managed customized retirement ...
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Annuties
(Main Content/services)
Annuities can help to ensure that individuals have a steady stream of income throughout their retirements. The key is to make a selection based on objective guidance-and not on sales pressure. In a nutshell, ...
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Executives and Professionals
(Main Content/niche markets)
When it comes to managing their wealth, executives and professionals have unique needs. Their retirement plans are different. Their professional options are greater. And the focus that their work requires ...