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HOW TO BEST USE YOUR 529 WHEN PAYING FOR COLLEGE

by Stephanie Leigh Bacak Level 8
If you have accumulated fund in your child’s 529, congratulations! You are probably a member of the elusive Savers who plan ahead and hate debt. A savers’ immediate instinct is to use all the designated savings ...(more)
1 Comment   |  Jan 24, 2019
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Why You Spend Too Much

by Stephanie Leigh Bacak Level 8
Sure, there’s the rush of buying, but why?   It boils down to the Diderot Effect.   In 1763 philosopher Denis Diderot was paid a large sum of money for his library by Catherine the Great.   He purchased a ...(more)
Comment   |  Jan 24, 2019
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DELIVERING BENEFITS YOUR EMPLOYEES ACTUALLY WANT

by Curtis Steven Farrell Level 17
4 tips for forward-thinking plan sponsors As we settle into the new year, we tend to opt for positive change and set goals for near-term improvement like shedding a few pounds or learning a new skill. But what about ...(more)
Comment   |  Jan 24, 2019 from Mission Viejo, CA
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Retaining key employees: Stay Bonus

by Andrew Martin Level 12
Business owners often express how hard it is for them to attract and retain talented employees who are key to business operations. I just spoke with a client this morning who told me “we recently lost a very key ...(more)
Comment   |  Jan 21, 2019
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Using the IRA/LLC Structure to Invest in Real Estate

by Andrew Martin Level 12
One of the more popular ways to use your self-directed IRA to invest in real estate is by using the IRA/LLC structure. A self-directed IRA requires using a custodian which is responsible for holding and administering ...(more)
Comment   |  Jan 21, 2019
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Invest in Real Estate within Your IRA

by Andrew Martin Level 12
Self-directed IRAs are a little known tool which allows you to invest in real estate (among other things) and get all of the tax benefits that an IRA gives you. There are several qualified retirement plans that you can ...(more)
Comment   |  Jan 21, 2019
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The Master File: The Estate Planning Piece Most People are Missing

by Andrew Martin Level 12
The reason most of us have an estate plan is to make things as stress free as possible for those we leave behind. That’s why we spend the time and money necessary to get our estate planning documents in order and make ...(more)
Comment   |  Jan 21, 2019
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HSAs, One of the Best Ways to Save for Retirement

by Andrew Martin Level 12
Health Savings Accounts are perhaps one of the most underutilized retirement planning tools available. HSAs are arguably one of the most tax friendly ways to save for retirement since they offer a “triple tax benefit”. ...(more)
Comment   |  Jan 21, 2019
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A Broken 401(k) May Cost You Dearly

by Ramiro Marmolejo Level 6
One of the most popular employee retirement benefits is the 401k account, but why do companies offer 401ks to their employees? After conversations with hundreds of business owners and corporate executives, the reasons ...(more)
Comment   |  Jan 07, 2019
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Thoughts on Small Business Succession and Sale

by Carlos P. Sava Level 13
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Comment   |  Dec 14, 2018 from Arlington, VA
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2019 401k Contributions Announced

by Nathan Garcia, CFP® Level 16
  For more info visit https://myretirement.tv(more)
1 Comment   |  Nov 09, 2018
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Time for Advisors to Focus on Income Funds?

by Charles H. Self III Level 17
As we experience the last act of this equity bull market, advisors are looking for places to protect client funds with a potential of earning returns greater than that available from cash equivalents. As the chart below ...(more)
1 Comment   |  Sep 26, 2018 from Appleton, WI
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What Pension Options Do Teacher's Have?

by Nathan Garcia, CFP® Level 16
https://www.youtube.com/embed/FRSeLKarJww?start=5    (more)
Comment   |  Sep 24, 2018
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What Pension Options do Teacher's Have?

by Nathan Garcia, CFP® Level 16
What pension options do teachers have?    https://s3.amazonaws.com/marketingmaterialsswp/Teacher+Pension+Options+Thumbnail.png        https://youtu.be/FRSeLKarJww    (more)
Comment   |  Sep 24, 2018
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What’s your plan for retiree dental care?

by Larry R Frank Sr Level 20
Most people believe Medicare covers dental – nope – Medicare does not! Some Medicare Advantage plans do (and some don’t – you need to check). Some retirees may have employer provided dental coverage. Check to see if ...(more)
Comment   |  Sep 20, 2018 from Roseville, CA
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PLAN ADMINISTRATION IS A HASSLE …but does it have to be?

by Curtis Steven Farrell Level 17
3 Tips for Managing 401(k) Plan Administration Headaches As an HR professional, you have mastered the art of juggling and hopefully, you look good in hats, because you’re likely to find yourself wearing a number of ...(more)
Comment   |  Sep 06, 2018 from Mission Viejo, CA
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Social Security gotchas with WEP and GPO Pensions

by Larry R Frank Sr Level 20
  Two big areas of confusion among people and advisors are the Windfall Elimination Provision(WEP) and the Government Pension Offset(GPO). Although they are often spoken in the same breath, they are really quite ...(more)
Comment   |  Jul 25, 2018 from Roseville, CA
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Losses Influence A Portfolio Disproportionately More Than Gains

by Daniel Ray Snover Level 6
By Daniel Snover and William Davis Successful investors will tell you they probably think more about losing money than they do making money.  Not that they’re ignoring the hard task of finding winners. They are not. ...(more)
Comment   |  Jul 23, 2018
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Maximize Your Giving with a Donor Advised Fund

by Charles Stuart Terry Level 6
When it comes to giving, the #1 question I get is “what’s the right amount to give?”  A less frequent question but almost important decision is “what’s the right way to give?” In addition to being able to give by cash, ...(more)
Comment   |  May 15, 2018
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DEBUNKING 401(K) MYTHS Myth #1: “We’re all set”

by Curtis Steven Farrell Level 17
Over our years working with business owners and employers, we’ve encountered a number of common myths that plan sponsors hold on to despite proof to the contrary. These myths can be harmful to plan sponsors and ...(more)
Comment   |  May 03, 2018 from Mission Viejo, CA
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