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William Clay Tucker, RICP, CAP, CRPS, ChFEBC

Specializing in Asset Mgmt, Retirement Income, Fed Benefits, and Estate & Philanthropic Planning.

Retirement Wealth Advisors, Inc.

Canton

GA

Contact Me

Overview

Services

Advisor Services

  • Financial Planning
    • -Estate Planning
    • -Comprehensive Financial Planning
    • -Retirement Planning
    • -College Planning
    • -Charitable Planning
    • -Other Financial Planning
    • -Tax Planning
  • Insurance
    • -Life Insurance
    • -Long-Term Care Insurance
    • -Annuities
    • -Business Insurance
  • Portfolio Management
    • -Individuals and/or Small Businesses
    • -Businesses or Institutional Clients
    • -Other Portfolio Management

Funds

Funds Used With Clients

There are no funds listed for this advisor at this time.

Firm Client types

Qualifications

Experience

No timeline events available.
Employer Years Dates
Metlife Securities 1 month Mar 2016 - Mar 2016
Asset Management Strategies Inc 3 years, 9 months Mar 2013 - Dec 2016
Triad Advisors 1 month Jul 2010 - Jul 2010
Berthel Fisher & Company Financial Services, Inc. 1 month Jan 2010 - Jan 2010
Berthel Fisher & Company Financial Services, Inc.Suwanee, Ga 1 month Jan 2010 - Jan 2010
Woodville Group LLC 8 years, 8 months Oct 2009 - Present
Bb&T Investments 3 years Oct 2006 - Oct 2009

Designations & Memberships

  • National Association of Insurance and Financial Advisors
    Membership
    National Association of Insurance and Financial Advisors
    NAIFA comprises more than 600 state and local associations representing the interests of approximately 200,000 agents and their associates nationwide. NAIFA members focus their practices on one or more of the following: life insurance and annuities, health insurance and employee benefits, multiline, and financial advising and investments. The Association’s mission is to advocate for a positive legislative and regulatory environment, enhance business and professional skills, and promote the ethical conduct of its members.
  • Chartered Federal Employee Benefits Consultant
    Designation
    Chartered Federal Employee Benefits Consultant
    A prestigious designation for Financial Advisors, CPAs, Attorneys, and certain employees of the Federal Government, who have successfully completed an intensive training course and passed a rigorous examination covering all federal employee benefits.
  • Chartered Mutual Fund Counselor
    Designation
    Chartered Mutual Fund Counselor
    Designees have knowledge of a wide range of mutual fund aspects such as characteristics of open and closed-end funds, other packaged investment products, risk and return, asset allocation, selecting a mutual fund for a client, retirement planning and professional conduct.
  • Chartered Retirement Plans Specialist
    Designation
    Chartered Retirement Plans Specialist
    The CRPS Program is specifically targeted at professionals who design, install, and maintain retirement plans for the business community.

Articles and Answers

Insights by William Tucker

Roth Plans versus Roth IRA's
Published 2014-10-26 09:38:42
Pre-Retirement Guide: Mind the Gap
Published 2014-01-26 08:28:11
Federal Employees - Get The Most From FERS
Published 2014-01-23 06:21:20
Financial Planning - Planned Giving Guide
Published 2014-01-16 08:57:29
Charitable Gifts That Pay You Income
Published 2014-01-16 11:08:01
    *Articles are published by advisors without compensation.

    Answers

    Ask a financial questionAsk a question
    43 y.o. & 50000 in a 403b. OK to use for living expense during 3 yr PhD? Stafford Loan iffy. Will gross 60000/yr after.
    You should only tap into these 403(b) funds if that is the absolute last alternative. Borrowing via students loans would be cheaper than the penalties and long term cost of using your retirement funds....  (more)
    Answered Feb 2014
    Cost Disclosures and Expense Ratios?
    Mutual Fund fees are transparent enough to just satisfy legal requirements. Much of the time it will be up to you to do the research via the fund company's website, Morningstar, or the prospectus.I would suggest that you stick with no-load index funds or ETF's. These are truly transparent and very ...  (more)
    Answered Feb 2014
    I need to find an old 401k i never have claimed.. Now do i do that?
    You need to contact Florida Tile's Human Resource Dept and someone there will find your old 401(k) for you. When you call them, have your SSN, DOB, and dates of employment ready to give them.Here is their contact information:Florida Tile Inc., 998 Governors Lane, Suite 300, Lexington, KY 40513Te...  (more)
    Answered Jan 2014
    How do i enroll in the 401 plan?
    Through your employer's HR Dept....  (more)
    Answered May 2014
    My husband had a withdrawal from his Thrift Savings Plan. Will we be paying state taxes on our 2015 Michigan return?
    Yes, if Michigan has a state income tax. Pension income, in many states, is exempt from state income tax. But distributions from TSP's, 401k's, IRA's, etc., are usually not. If your husband is under age 59.5 additional 10% penalty will also apply....  (more)
    Answered Mar 2016
    What options to I have with my 403B; former co. changed from Fidelity to TIAA?
    You have the ability to rollover your 403(b) to any other IRA custodian of your choosing. Fidelity is a very good option. Get with an advisor and determine what you need these funds to do for you over your retirement years....  (more)
    Answered Feb 2014
    I need to contact Andrew M. to ask about my mothers investment account?
    Look on your mother's investment account statement for a Customer Service or Advisor contact number....  (more)
    Answered Jan 2014
    Hello and good day I am seeking to know if I can direct my invest monies to metals?
    Don't bet your whole portfolio on metals. Use metals as an addition to your overall diversification strategy....  (more)
    Answered Nov 2014
    Can I withdrawal from 401k after resigning from employer 5yrs ago?
    Sure you can withdraw it, it's your money. Withdraw it as a Direct Rollover to an IRA in order to not pay taxes on the distribution. Fidelity will walk you through the entire process, call their phone number found on the letter or statement that you have....  (more)
    Answered Jan 2014
    Can an RIA open a direct sold 529 plan for me with my permission?
    Joseph,You would need have a special situation Power of Attorney given to your RIA to do this for you, which is more trouble than the 529 application. And I would not recommend doing it this way in any case.The process is so easy to do on-line with most direct sold 529 plans, you should look into ...  (more)
    Answered Mar 2014
    How do I get a copy of what my retirement is by the month for my caseworker at medicare and medicaid?
    Call them and ask for Employee Benefits supervisor. They should be able to help. Phone: (414) 359-4000...  (more)
    Answered May 2014
    How do I sell my account?
    That depends. What kind of account? Brokerage account - call your broker and place the sell order. IRA account - if at a brokerage, the same process, just taxes due.Be more specific about the account type and the answer will be better....  (more)
    Answered May 2014
    Where is my 401k?
    Dude, where's my car?! Seriously Billy, are you off your meds? Your 401(k) is with the employer for which you work or have formerly worked....  (more)
    Answered Jun 2015
    I have 2 401Ks that I need to roll over-how can I get this done. I also want to increase my contribution. HELP?
    If you are active in a 401(k) or other plan now through another employer, you can have these old ones combined into your current plan. If you don't think your current plan (if any) is very good, look elsewhere.If not, decide where you want to have your retirement assets located - Fidelity and Vangu...  (more)
    Answered Mar 2014
    Looking to borrow out of my 401k. How can I go about this?
    Get in touch with your company's 401(k) plan administrator, the contact phone should be on your 401(k) plan statement. They will give you whatever paperwork you need to do this, you may even be able to do it online....  (more)
    Answered May 2014
    ESOP rules?
    Sure its legal. A company can set whatever stipulations it likes on a voluntary ESOP Plan. By enrolling to participate in the ESOP Plan, the employee is agreeing to whatever terms and conditions apply. Most commonly, any vesting of stock ownership applies to the stock given to the employee via mat...  (more)
    Answered Jan 2014
    Need to find out info about death claim. Social security sent me info and don't want to have to contact them?
    Social Security pays a death benefit of about $255 when a SS recipient dies. Is your aversion to talking with a Social Security representative greater than the benefit of $255? if so, don't worry about it....  (more)
    Answered Mar 2014
    Accessing our Pension after leaving company and turning 55?
    Yes. The Plan Sponsor / Employer can make the rules regarding distributions from their plan, just so they fall within legal guidelines....  (more)
    Answered Jul 2014
    I want to convert traditional 401k contributions to Roth 401. Is it based on the value or contribution amount?
    The taxes you pay when you convert a 401(k) or IRA to a Roth IRA are based on the total value at the time of conversion, that includes any amount that represents the company's matching contributions. You will pay tax on the full amount converted.You have to first rollover the taxable 401(k) balanc...  (more)
    Answered Jan 2014
    I have 3 IRAs with 3 different firms, invested in 30+ stock funds. Would consolidation be a good move or will fees hurt?
    Consolidating them is a good idea. I personally like Fidelity's platform so I would consolidate there. Between the 30 funds you hold there is probably a ton of overlap and duplication of stock positions. I would also recommend dropping the number of account holdings to between 6-8 low cost index Exc...  (more)
    Answered Mar 2014
    Cantex anuities payout, is it possible? I worked for cantex several years ago. I am retired and age 63 at present time.
    James - just call Cantex and ask them....  (more)
    Answered Mar 2014
    Fund Classification & Me?
    Usually a fund company will aggregate you total investments to determine if you qualfy to do this. Call Vanguard at 1 (877) 662-7447 to make sure....  (more)
    Answered Apr 2014
    Can I rollover a Roth IRA to a Roth CD without penalties?
    Yes. Just do it the right way - have it done as a Direct Custodial Transfer with the check made payable to the Bank where it is going, rather than payable to you personally....  (more)
    Answered Apr 2014
    Where can I compare fees charged for my IRA accounts like you show for the 401s?
    It depends on where your IRA accounts are held. Banks usually do not charge fees. Mutual fund companies charge an annual maintenance fee of $10 - $25 per year. Brokerage firm wrap fee accounts may be in the range of 1-2% annually.Get your IRA statements and see if the fees are detailed there. If n...  (more)
    Answered Mar 2014
    An advisor told me to go to cash on Dec 31. My question is when should I get back in?
    The market is still at or near record highs. If you have been invested during this most recent bull market you probably have done okay. So, why would you want to reinvest within just 3 weeks while the market is still high?You can park the funds in something like a no-load ultra short bond fund and...  (more)
    Answered Jan 2014
    Can I trade money in my Roth Ira through a brokerage account I have with another firm? Do any fees apply if I do?
    You can have the Roth IRA at the same brokerage firm, but it has to be separate from your other brokerage account....  (more)
    Answered Feb 2014
    How do I get a statement?
    Here's a statement: Provide adequate information within your question in order to receive a proper answer....  (more)
    Answered Nov 2014
    How will my divorce impact my pension?
    Short answer: Your ex-spouse is probably going to be awarded half of your pension, 401(k), and whatever else you both have accumulated during your marriage....  (more)
    Answered Jan 2014
    2nd marriage; no prenup but maintained seperate finances, investment; now retired and process of divorce; how can I protect my 401k??
    Your exposure is to the assets that you have accumulated during the marriage, including the 401(k). What you came into the marriage with most likely will not be taken into consideration during the division of property. Is the divorce amicable? If so, then you and your soon to be ex-spouse can come ...  (more)
    Answered Jan 2014
    Can I make a spousal IRA contribution to an IRA my wife set up as an individual while she was working?
    Pamela - I am assuming that you are female and you said this is for your wife? If PA recognizes same sex marriages you can make a spousal IRA contribution and use her existing IRA to do it. Your income or that you participate in a company sponsored plan does not disqualify you from doing so....  (more)
    Answered Mar 2014
    I am retiring in 4 years. What is to outlook for the sequioa fund. Should I hold or move to another fund?
    Here are a couple of links to reviews of the Sequoia Fund:http://money.usnews.com/funds/mutual-funds/large-growth/sequoia-fund/sequxhttp://quotes.morningstar.com/fund/SEQUX/f?t=SEQUXOverall a great fund. If you're retiring in four years you should think about your investment allocations now. You...  (more)
    Answered Jul 2014
    How do I get access to my retirement funds?
    That sums it up - just give them a call. They will give you any forms needed to get the funds in whatever manner you choose - Lump Sum Withdrawal, Direct Transfer to an IRA, etc....  (more)
    Answered Jan 2014
    The Thrift Savings Plan charge fees of 0.025 per $1000. How often is that fee assessed: daily, monthly, yearly?
    Torre,I work with several Federal Employees and go to the TSP site pretty often. Nowhere in their language do they specify over what period the TSP fees are assessed, but my best guess is monthly or quarterly. See the copy from their website below:"The expense ratio for a fund is comprised of the ...  (more)
    Answered Apr 2014
    How do I take a Loan on my 401k?
    The 401(k) Plan Adminstrator will let you know if you can take a loan and can set it up for you....  (more)
    Answered Feb 2014
    Like to take a loan from my 401K but not allowed. What are my options?
    Your options are limited. If you absolutely have to use the money to live on, have no other sources to use first - you'll have to take money from your 401(k).If you withdraw directly from the 401(k), they will automatically withhold 20% Fed Tax and any penalty if you're under age 55. That's one ad...  (more)
    Answered Jul 2014
    Can an advisor assist with setting up/pymt options from ESOP account?
    Sure an advisor can assist with this. Check with the adminstrator for the ESOP plan first, they may be able to give you the help you need. An advisor will be able to help you with the best tax strategies for taking these distributions as well as managing the proceeds....  (more)
    Answered Mar 2014
    I have a 401 K plan with my former employer, Alliance Residential Mgmt, how do I cash out?
    Call the number found on your 401(k) Plan Statement. The Plan Admistrator can provide you with the forms or directions to do whatever type Transfer/Rollover or Distribution you woul.d like to do. If you take a Distribution, you'll pay taxes. If you're under 59.5 yrs old, you'll pay an additional 10...  (more)
    Answered Aug 2014
    How do I cash out my 401k?
    Get your last statement, call the contact phone number listed there, tell them what you want to do. They will provide you the forms to effect a full distribution, partial withdrawal, or rollover to an IRA. Some 401(k) plans will even take these instructions by phone rather than requiring paperwork....  (more)
    Answered Apr 2014
    Are cash gifts taxable to the recipient?
    Gifts in excess in annual or lifetime exclusions are taxable to the donor....  (more)
    Answered Dec 2014
    Can I divide payments of inheritance money to me over several years?
    Sure. As soon as you receive the inheritance, buy an annuity that pays you a 5 year (or longer) income stream. Once you begin the income payments the amount you invested is no longer considered an asset (and therefore does not count against your combined asset limit), but is merely a series of payme...  (more)
    Answered Aug 2014
    A self employed LLC with both a Defined Benefit Plan and a 401K plan. What is the maximum contribution to the 401K?
    Elective deferrals up to 100% of compensation (“earned income” in the case of a self-employed individual) up to the annual contribution limit:$17,500 in 2014 and $18,000 in 2015, or $23,000 in 2014 and $24,000 in 2015 if age 50 or over; plusEmployer nonelective contributions up to:25% of compensa...  (more)
    Answered Dec 2014
    How do I invest short-term and protect my principal without resorting to using my bank's low yield certificates?
    Marty - You are pretty much stuck with bank products for what you want to do ovedr that short a term....  (more)
    Answered Mar 2014
    What are the best companies to move my funds from my prior employers 401k to? Lowest cost for best result?
    I like Fidelity, primarily because I use Blackrock iShares ETF's and they trade commission free on Fidelity's platform. You can also go to the Blackrock website and design a custom low cost index ETF portfolio for free....  (more)
    Answered Feb 2014
    What is average company contribution to a 401K plan?
    It varies widely between small employers, large corporations, profitability and generosity of the company, etc. Between 3% - 6% is pretty common ....  (more)
    Answered May 2014
    My client withdrew from one of his 401Ks, and then put it into an SP account how do I enter this on his tax return?
    Yes it is taxable, unless the S&P account (which I'm assuming is an S&P Index Fund) is also an IRA account. If your client just took a distribution and invested the proceeds in an index fund it's not a tax qualified rollover and your client did the transfer wrong. The transfer should have be...  (more)
    Answered Apr 2014
    How do i look up my balance?
    First of all - balnce of what? Checking account, 401(k), credit card.........  (more)
    Answered Jan 2014
    Tell me which incomes should be shown in other source income and of what amount so that there will no TDs liability.
    Any other incomes that aren't already shown in other entries....  (more)
    Answered Aug 2014
    I moved and no longer receive mailings about the money I have in my plan from Toys R Us. How can I find my account?
    Contact Toys R Us Human Resources Dept. and give them your new address and have them send you all the current information about your account/plan.Toys“R”Us, Inc.One Geoffrey WayWayne, NJ 074701 (800) 869-7787...  (more)
    Answered Oct 2014
    I want to borrow against my 401k plan?
    Borrow against your 401(k) only as a last resort and no other sources of credit are available. If you need the money for an emergency or something that's terribly important to you or a family member, go for it....  (more)
    Answered Apr 2014
    Need to make a withdrawl?
    Withdrawal from what? Think about your question before you type....  (more)
    Answered Feb 2014
    How do I draw my 401k out in full?
    Contact the Plan Administrator and ask them for the necessary forms to effect whatever type withdrawal you want to have done, i.e. - full taxable withdrawal, transfer to IRA, etc......  (more)
    Answered Jun 2015
    How to find an old 401 k account?
    National Envelope is now part of Cenveo Corporation.Here's their website: http://www.cenveo.com/WelcomeNationalLPGo to "contact us" at top right of page....  (more)
    Answered Aug 2015
    I receive a retirement direct deposit monthly. Is there a survivor benefit for my wife, and if so what percentage?
    If this is from a pension, there is a survivor benefit for your wife if you specified there to be before you began recieving your monthly pension checks. Find out how you set this up by calling your pension plan administrator, there will be a phone number on any correspondence that you have received...  (more)
    Answered Jan 2014
    Is there a way to determine if a particular company offers In-Service Withdrawals?
    Get your most current plan statement, call the Customer Service 1-800 number, and ask them. You should also have access to your plan info on your company's website....  (more)
    Answered Jan 2014
    Enrolled in a plan called: Group Deferred Annuity Participant Certificate Certificate Number 9910-00187394?
    On whatever statement, form, or certificate you found that certificate number, look for address or phone contact information. Then contact the plan / annuity provider to find out more about it....  (more)
    Answered Jan 2014
    I want to access my personal 401k Statement. Would just like to know the balance. Please tell me how to find it.
    You should be receiving statements at least annually and probably quarterly. Also call your HR Dept to request information on how to access your account on-line....  (more)
    Answered Apr 2015
    Northcoast Assest Management ETF investment?
    I use only ETF portfolios for managing my clients' investments. I like Blackrock for my ETF portfolios and they trade for free on Fidelity's platform. I'm unfamiliar with NorthCoast....  (more)
    Answered May 2014
    What's the best way to calculate how much long-term care insurance coverage I should buy?
    Find an Assisted Living or Long Term Care facility where you would potentially like to live at some point. Determine the gap between what income will have coming and the inflation adjusted cost of the faciltiy. Fill the cost gap with a LTC Policy with an inflation adjusted benefit amount....  (more)
    Answered Jan 2014
    How can i get form for tax purposes if i receive retirement benefits?
    Form 1099's will be mailed out no later than January 31st each year. ...  (more)
    Answered Jan 2015
    What to do with a non-deductible Traditional IRA?
    Convert it to a Roth IRA. The earnings would be the only taxable amount at conversion, and you don't really have any since its been in a Mmkt. You may be able to make annual contributions to a Roth, deopending on your income....  (more)
    Answered Feb 2016
    Contacts for Flordia Tile?
    You didn't say if the company phone number is no good or if you are leaving messages. If you are leaving messages with your contact info, that's about all you can do unless you want to drive to their office and ask in person. Keep calling until you get someone on the phone.Here is the "Contact Us...  (more)
    Answered Jan 2014
    Is it possible to borrow money from my 401K and pay it back monthly over time?
    Yes, call your 401(k) Plan Administrator service contact noumber found on your statement....  (more)
    Answered Jan 2015
    How can I withdraw my 401k.
    What do you want to do with it? That will determine how you need to with draw it. Roll it over to another 401(k), to an IRA, ir do you need to cash it in for some reason?The HR Dept. or the Plan Administrator at the employer where your 401(k) is can help direct you intially, you may want to meet wi...  (more)
    Answered Jan 2014
    Can I roll over my pension deposit into my company 401k after I retire at 55?
    It may be possible. If you're allowed to take your pension out in a lump sum rather than annuity payments you should be able to do this. This will vary from company to company, so check with your HR Dept....  (more)
    Answered Sep 2014
    When can I withdraw my money?
    Jorge - Short Answer:Yes you can, in most cases, get your Retirement Plan funds via an In-Service Rollover/Transfer if you're over age 59 1/2 without a problem. Contact your HR Dept for the proper forms required to do this and any rules that may be specific to your employer....  (more)
    Answered Jul 2014
    Is it a good idea to put my earnings from sold stock into my IRA then take that money out as a loan from the IRA?
    No. You must need the money if you are asking about putting the money into an IRA then taking it out as a loan (which you can't do anyway). Just pay whatever the capital gains taxes are on the sale of the stock and use the proceeds. If you don't need the money, the deduction you get for putting the...  (more)
    Answered Jan 2014
    I want to know if I should consolidate my three 401k plans.
    It makes sense to consolidate them at your current 401(k), much easier to keep track of. The only reason not to consolidate would be if your current plan is below par....  (more)
    Answered Jan 2014
    Josue E Vazquez that you need to cash out my 401k, story time takes charge as?
    Please take the time to properly phrase your question before posting....  (more)
    Answered Sep 2014
    How do I find my 401k I had with susquehanna pfaltzgraff from the 80's?
    If Susquehanna Pfaltzgraff is still in business, call them and ask....  (more)
    Answered May 2014
    Rec'd. a letter about unrecovered property. They list a sherri.pryzbysz@firstclearing.com. cant contact?
    Always be wary because of the potential for scammers looking to get some personal info from you like account numbers, credit card info etc.But, I Googled "Sherri Pryzbysz First Clearing" and she is a licensed person that works for First Clearing, LLC, in St. Louis, Missouri. Tel: 888-322-2532; fa...  (more)
    Answered Apr 2014
    If I leave my job because of medical issue and am applying for social security disability do I still get charged?
    Typically penalties that would apply to withdrawals prior to age 59.5 are waived due to a certifiable disability....  (more)
    Answered Jan 2015
    I just received a job offer and am wondering if the 401K plan is good or not?
    It's about the standard matching contribution many employers are offering today, some companies are more generous than others. Any matching contribution you get is free money, always contribute enough of your salary to get the full company match before exploring other avenues.Whether it's a good pl...  (more)
    Answered Jan 2014
    I am 55 and would like to roll my pension into my 401k. Can I take money out the 401 k later without penalty?
    Yes you can. 401(k)'s also have the provision that you may take non-penalized distributions beginning at age 55, so long as you did not separate from the employer plan prior to age 55....  (more)
    Answered Sep 2014
    How do I draw my money out?
    Your question is incomplete. What kind of money and from where?...  (more)
    Answered Jan 2015
    I have a UIL policy that earns cash value. The policy cash value is barely 3000, only have had it for 2 years.
    You can borrow from the cash value, (usually up to 50% of the cash value) but your balance may be too low at this point to be able to effect this. You can't access the death benefit unles your policy has a provision for doing so in the event of chronic illness or long term care. You can't do it for...  (more)
    Answered Jun 2014
    Hoe can I find out if I still have money in my 401k when I worked for Stever-Locke Ind.back in 1999?
    Here is their address and phone number. Call it and ask for their HR Dept, give them your info and they will tell you.Stever-Locke Industries179 N Main St, Honeoye Falls, NY 14472(585) 624-3450...  (more)
    Answered Oct 2014
    What is a discretionary distribution lump sum?
    Not really enough info to give a definitive answer, but it seems that your father has the option to take a lump sum distribution from an old retirement plan. It can be taken as a distribution paid to him (taxable) or transferred /rolled over to an IRA (not taxable).A mandatory distribution (versus...  (more)
    Answered Mar 2017
    How do I determine what a payout might be?
    Edward - Not enough info here for any answer to your question....  (more)
    Answered Jun 2014
    How do I access my specific annuity and pension info?
    You should have received statements, contact information will be on the statement. Or contact your union directly to inquire....  (more)
    Answered Feb 2015
    How do I find a 401k at a job I have 15 years ago?
    Call your former employer's HR Dept....  (more)
    Answered Jul 2014
    Getting divorced. When can you get your spouses ESOP money?
    When you get this money is up to the courts first then you. Whatever you and the courts finalize, it is then up to you to contact the ESOP Plan Admin. with the proper documentation (QDRO paperwork) and get the funds or stock turned over to you....  (more)
    Answered Jan 2015
    How would one valuate beneficial ownership units in a Sunoco master limited partnership from 1972?
    Contact Sunoco's Investor Relations dept. Here's a link with the phone numbers:http://www.sunocolp.com/contact-us/default.aspx...  (more)
    Answered Aug 2016
    What do I do with my annuity? At 30 years old I could use it to pay down my house or switch it to a 401k I control.
    To ad to the answer above, if you're only 30 years od you will pay some hefty fees and taxes to take it out of a retirement plan....  (more)
    Answered Oct 2014
    I received a gift of $10,000. Should I open a new Roth IRA, or increase my contribution to my employer's Roth 401 K ?
    Dwight - if you don't need to pay off anything like credit card debt and have enough emergency money in the bank - put the 10k into a Roth IRA. Invest 5k this year and another 5k after January 1st....  (more)
    Answered Dec 2014
    How do I get a disbursement from my QDRO 401K?
    Submit the final QDRO to your ex-spouse's 401(k) Plan Administrator, along with Rollover/Transfer instructions from the financial institution that you are transferring the funds to. They will effect the transfer between the accounts for you....  (more)
    Answered Dec 2015
    2014 Trust exemption for my deceased father's trust - What is allowable exemption (line 20)?
    Trusts required to distribute all income currently. A trust whose governing instrument requires that all income be distributed currently is allowed a $300 exemption, even if it distributed amounts other than income during the tax year....  (more)
    Answered Jul 2014
    I have been working for Meijer for two but i forgot to set up my 401k . How do i go about setting it up?
    Call the HR Department and they will set you up....  (more)
    Answered Jul 2015
    Can you help me reach Reliant Pharmaceuticals 401K plan admin Michelle Killian please?
    Reliant was acquired by Glaxo-SmithKline in 2007. You could try Glaxo's US Headquarters and ask for the Human Resources Dept at: 1 888 825 5249...  (more)
    Answered Nov 2014
    In the 90's I worked at McDonald's. Supposedly I was a part of profit sharing. How do I access it now?
    You need to call McDonald's corporate HR Dept, give them your name and SSN and they can tell you....  (more)
    Answered Jan 2015
    Where do I find the do it your self section?
    John - please be more specific....  (more)
    Answered Mar 2014
    How do i find if I have funds in an account in your organization?
    David - you've got to be more specific. What organization and what kind of funds?...  (more)
    Answered May 2014
    What are average 401k plan expenses for a plan with assets of 1.7 million? Is my current plan charging me too much?
    A lot depends on the Plan Custodian / Administrator. Call the contact number on your Plan Statement and ask for a breakdown of fees and what your personal account is being charged on a monthly/quarterly/annual basis....  (more)
    Answered Jul 2014
    I AM 62,DO I HAVE POTENTIAL INCOME WITH NATIONAL ELECTRICAL BENEFIT FUND? PLAN # 53-0181657-001?
    You would need to contact the National Electrical Benefit Fund and reference the Plan # to determine this.Here's their website and phone number: https://www.nebf.com/nebf/ ; 301-556-4300...  (more)
    Answered Jul 2014
    How can I locate my prev 401K plan from 1987-1990 thru Scholle Corporation Calif? Thank you?
    Google usually works. Here's the contact info, ask for Human Resources Dept.Scholle Corporationcholle Packaging, Inc.200 West North AvenueNorthlake, IL 60164USA Tel: +1.708.562.7290Fax: +1.708.562.6569 Email: scholleNA@scholle.com...  (more)
    Answered Oct 2014
    I had a retirement plan with Avis Budget . Now I'm am retired I want to find out if my retirement savings is available.
    Of course its available, after all it's yours. You just have to contact the Plan Adminstrator or Custodian to inform them of you intentions - Rollover to IRA, Lump Sum withdrawal, etc. Call the phone number on your most recent plan statement. Or, here is a link to Avis Human Resources where you c...  (more)
    Answered Feb 2014
    Can I get a loan or get a lump sum buy out on my monthly payments I receive now on my retirement.
    Unless this is your last resort and have no other ways to obtain funds, this is a very bad idea....  (more)
    Answered Dec 2014
    List the top 401(k) plan providers in the $10m and under marketplace?
    Fidelity, Schwab, Vanguard, Principal, Transamerica, and almost retail mutual fund company. Fidelity, Schwab and Vanguard are probably the best....  (more)
    Answered Jun 2014
    Where can I get a loan if I have a bad credit?
    You can also contact the credit card companies and tell them to freeze/cancel the accounts and place them on a 5 year pay off schedule using the minimum monthly payment amount. This will usually drop the interest rate on the card debt to 5% or less. The downside is that the credit cards are no long...  (more)
    Answered Oct 2014
    I have indexed universal life insurance for me and my kids with national life group. Is this a good idea?
    Life insurance in general is usually a good idea, but without knowing more specifics about your situation it would be difficult to provide an informed answer to your question....  (more)
    Answered Oct 2014
    Hello i have 3 401k's open how do i join them into one or close them out:?
    Have the 2 that you no longer participate in transferred directly to the one you are currently participating in. Your Human Resourced Dept. can help you with this process.If you are not actively participating in any of them, you can open an IRA and have all three directly transferred to the new IRA...  (more)
    Answered Jun 2018
    Can a child of a deceased past employee receive his pension funds?
    Linda - You need to direct your inquiry directly to the Human Resources Dept. at Wonder Bread. Address: 313 Fougeron St, Buffalo, NY 14211Phone: 716-893-2600; Website: http://www.wonderbread.com/...  (more)
    Answered Dec 2014
    How can I find my 401k from Columbia Sportswear? Please email me back at pritzyhorse@gmail.comThank youMckenzie?
    Call Columbia Sportswear HR Dept., identify yourself as a former employee and tell them what info you need....  (more)
    Answered Aug 2014
    Do you need spouses signature to cash in live in wisconsin?
    Cheryl - Your question does not make sense as it is currently worded....  (more)
    Answered Aug 2014
    I want to cash out my 401k but i can't get a phone number to talk to someone?
    Start with your company's Human Resources Dept. Also look on your most recent 401(k) statement for the contact number for the Plan Administrator....  (more)
    Answered Apr 2016
    Company just bought by xerox, any idea of 401k investment options. can change to cash option now.
    You will now (or soon) be using the Xerox 401(k) plan, to find info about the investment options contact Xerox's Human Resources Dept....  (more)
    Answered Oct 2014
    I am fully vested in ESOP with a former employer.
    Check your ESOP Plan documents and enrollment information if you still have them. That should probably tell you your options on cashing out of the plan and if the employer has the ability to change the terms....  (more)
    Answered May 2014
    How often can I withdraw from my Walmart 401k plan?
    Call the HR Dept. and ask for the proper forms. If you are under age 59 1/2 there will be automatic federal tax withholding of 20% unless you are transferring to another plan or an IRA....  (more)
    Answered Jun 2014
    How do I find out how much money is in my retirement account?
    You should receive statements, your balance information is found there....  (more)
    Answered Dec 2014
    How do I find out how much is in my plan # 38-1776575-006?
    Lisa - get your most recent plan statement and call the contact phone number listed there....  (more)
    Answered Mar 2014
    I need to talk to someone in reference to the Stock Ownership Plan that I have with Trax International.
    Contact them directly at: 8201 Lockheed Drive, Suite 211, El Paso, TX 79925; phone: 915.775.0003...  (more)
    Answered Jun 2014
    Who do i have listed as my beneficiary?
    That's not a question anyone here can answer for you Mansel. Your beneficiary(s) is whoever you listed as such when you opened the account. Check with whichever custodian the account is held with if you do not have copies of the original account paperwork....  (more)
    Answered Mar 2014
    How do i find benefits for plan 38-1783305-001?
    Marion - find your most recent plan statement and call the contact phone number indicated on the statement. If you don't have a statement available you will have to call the former employer's HR Dept and they can help you....  (more)
    Answered Mar 2014
    How can i find out if a pension is in my name from my dead mother and if i cant find the statement what do i do?
    You have to go to the internet and look up the company that the pension may be with. Find a contact phone number for the Human Resources Dept. and they can help you. Have your mother's info available when you call - DOB, SSN, approximate dates of employment, etc.....  (more)
    Answered Aug 2014
    How can i get form for tax purposes if i receive retirement benefits?
    Form 1099's will be mailed out no later than January 31st each year. ...  (more)
    Answered Jan 2015
    When interviewing a financial advisor, what questions should I ask?
    All the preceding answers provide good general information on questions to ask your potential advisor. Here are some visual red flags that indicate the advisor you are considering may not be the right choice:1. Hair Products - you generally stay away from male advisors that use hairspray, gel or m...  (more)
    Answered Jan 2014
    How do I find my 401k plan?
    Call the company that you worked for where the 401(k) was opened....  (more)
    Answered Apr 2014
    Will the dollar lose its global currency status?
    Not any time soon, but nothing lasts forever. Just ask the Romans....  (more)
    Answered Jun 2014
    I need advice about 401k?
    You and your divorce attorney dropped the ball on this. The QDRO paperwork should have been sent to the 401(k) Plan Administrator at Cracker Barrell10 years ago.If your husband is still at Cracker Barrell you can send them the court order now and then wait on them to figure what the value was on t...  (more)
    Answered Aug 2014
    Hi, Is a low risk mutual fund OK for 'Fun' savings?
    Yes Chris, that's fine if you already got your emergency funds covered. Stick with no-load index funds or ETF's. You can construct a custom ETF portfolio on Blackrock iShares website. iShares trade at no cost in a Fidelity Brokerage account which you can open free at Fidelity Investments website. ...  (more)
    Answered Jan 2014
    Is it recommended to leave one's 401(k) with employer upon retirement or roll over to an IRA account?
    There is no real benefit in leaving the funds in your 401(k) plan. Meet with an advisor and talk about how much income you need from this money and what you want it to do for you before rolling over to IRA's....  (more)
    Answered Jan 2014
    When can i collect my pension? what age?
    That depends on a number of things which can be answered by your employer's (or former employer) Human Resources Dept. There is usually a formula that incorporates your years of service and your age. e.g. - age 55 with 30 years service, age 60 with 20 years service, age 62 with 5 or 10 years service...  (more)
    Answered Oct 2014
    Fee structures; what is normal?
    Yes. That is typical for protfolios of less than a million. ...  (more)
    Answered Jun 2014
    Can I cash out an ESOP plan depositing 5K into my 401K as a catch up contrib and placing the rest into a ROTH Rollover?
    You would likely have to pay some capital gains tax on the sale of the stock in the ESOP (if there was in fact a gain). And yes you could add 5k into your 401(k) as a catch-up contribution (if you're over 50).The rest that you want to put into a Roth IRA would not be a Rollover contribution (since...  (more)
    Answered Jul 2014
    I'm paying a financial advisor 1.5% plus a $750 annual fee to manage my 450K portfolio. Is this too much?
    The 1.5% for that size portfolio is fairly typical. Without a further breakdown, I don't know what the additional $750 could be for....  (more)
    Answered Jun 2014
    What is the process to withdraw funds from my 401k plan.
    Contact your employer's HR Dept and request the proper forms for the type of withdrawal you want to do. Some plans let you do this on-line also....  (more)
    Answered Oct 2014
    Can I receive survivor benefits? Or does my income negate benefits I might receive?
    f you apply for benefits before your Full Retirement Age (66 - 67), you would have the choice of taking a Survivor Benefit or your own SS Benefit, whichever is greater, When you attain your Full Retirement Age (66 - 67) you have the option to begin taking a Survivor Benefit from your wife's Social ...  (more)
    Answered Aug 2015
    Can you tell me why Verizon says I cannot have vested pension now at age 62 yrs 4 months? have to wait until age 65?
    Because Verizon owns the pension plan and they can make the rules regarding when participants can begin either taking income or making a balance transfer....  (more)
    Answered Apr 2016
    I need to purchase a 401K by the tax date deadline of april 18, 2016. how do i purchase one?
    Its too late to establish a 401K for the 2015 tax year (I'm assuming by the wording of your question that you are either self-employed or don't have access to a 401K through your employer)Your only option is to open an IRA for the 2015 tax year, max contribution is $5,500 ($6,000 if over age 50)....  (more)
    Answered Apr 2016
    Profit sharing, how long to receive monies?
    Thomas - you have not provided enough information to get a valid answer to your question....  (more)
    Answered Jan 2014
    How long legally does an employer have to release funds after signing profit sharing release forms, in Washington?
    All profit sharing plans and 401K’s are governed under the Employment Retirement Income Security Act (ERISA). You will need to contact your plan’s administrator to determine what the open period is for your plan and when disbursements are made. Each plan usually has a set open period that allows dis...  (more)
    Answered Jan 2014
    How do i get a loan to buy a home if i cannot get a conventioal loan?
    You probably can't at this time. Get your financial situation and credit report in order over the next 12-24 months and try again later....  (more)
    Answered Jan 2014
    How much can an individual expect to pay an RIA for fee-only hourly? What about flat fee for 3(16) fiduciary services?
    Hourly fees should be in the range of $150 - $300 per hour. Fees that run to the higher end of that spectrum usually involve some complex estate planning or non qualified retirement planning for business owners....  (more)
    Answered Jan 2014
    Who do i speak to when inquiring about my (old) 401K?
    If you have an old statement from the Plan, there is a Customer Service or Plan Representative phone number on it, call them. It's probably not a 401(k) since it is through a public university, but it can be rolled into almost any other type of Qualified Plan you participate in now, or to an IRA....  (more)
    Answered Jan 2014
    I have a private retirement benefit that you administrate. The plan was reported in 2006. How do access these funds?
    Call your former employer's HR Dept....  (more)
    Answered Nov 2014
    529 account holder change after divorce, beneficiary adoption, and missing account holder.
    Your ex has been missing in action for a while with no recent support payments, and your child has been legally adopted by your current spouse. It appears that he has implicitly and voluntarily forfieted his parental rights. A family law attorney can probably arrange to have him removed as a a pa...  (more)
    Answered Nov 2014
    How do i fund out how much is in my abnuity?
    Look at your annual statement, or call the phone number on the statement for most up to date balance....  (more)
    Answered Apr 2015
    How do i fund out how much is in my abnuity?
    Look at your annual statement, or call the phone number on the statement for most up to date balance....  (more)
    Answered Apr 2015
    How do i fund out how much is in my abnuity?
    Look at your annual statement, or call the phone number on the statement for most up to date balance....  (more)
    Answered Apr 2015
    How do i fund out how much is in my abnuity?
    Look at your annual statement, or call the phone number on the statement for most up to date balance....  (more)
    Answered Apr 2015
    How do i fund out how much is in my abnuity?
    Look at your annual statement, or call the phone number on the statement for most up to date balance....  (more)
    Answered Apr 2015
    How can I obtain a copy of the Terms of Withdrawal on my 403-B?
    If you have the TSA contract or a statement, there is a Client Services phone number on it that you can call....  (more)
    Answered Nov 2014
    How do i fund out how much is in my abnuity?
    Look at your annual statement, or call the phone number on the statement for most up to date balance....  (more)
    Answered Apr 2015
    OverSaver Needs Assurance! Wondering what 401k contribution % to drop down to?
    Colin - You could take the 30k in non-retirement Vanguard funds to help with the downpayment. The market has done well the last 5+ years and may be nearing a peak. You could take this money off the board while its up and not forgo the 401(k)/IRA as much....  (more)
    Answered Jul 2014
    I am looking for information on my DB Matched Savings Plan #063115 for filing my 2013 taxes. Thanks Larry Drake?
    You are going to have to contact the employer or plan Administrator that this plan is with to get that information. If you get statements there should be a contact phone number on there.If you are drawing income, you should have gotten a Form 1099. If you aren't drawing an income yet, there are n...  (more)
    Answered Feb 2014
    Withdrawing the rest of 401 k does it have to be direct deposit?
    Heather - unless you want to pay taxes on the withdrawal it should be done as a "Direct Rollover to IRA" rather than a direct deposit to a bank account. If you are in fact cashing out and using the funds for something a direct deposit will work. Just make sure you realize the tax implications of doi...  (more)
    Answered May 2014
    Where can i find the balance of my plan?
    On your last plan statement. There's also a phone number on the statement you can call....  (more)
    Answered Jul 2014
    170K annuity for MIL, 77. Take 1650/10 yr, or 1150/10 yr + lifetime? Can lock @ 3%. Take 10/yrs, or 10 plus lifetime?
    Short answer: To avoid the risk of extreme longevity, go with the 10 year plus lifetime.Better answer: meet with an advisor before you do anything and make sure you're doing this in the context of an overall plan....  (more)
    Answered May 2014
    How do i fund out how much is in my abnuity?
    Look at your annual statement, or call the phone number on the statement for most up to date balance....  (more)
    Answered Apr 2015
      *Answers are submitted by advisors without compensation.

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      SEC
      U.S. Securities and Exchange Commission
      • license status
        Registered
      • disclosures
        2
      • as of date
        Jul 6, 2017
      FINRA
      FINRA
      • license status
        Not registered
      • disclosures
        2
      • as of date
        Jul 6, 2017
      Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:

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      Retirement Wealth Advisors, Inc.

      Last updated on Aug. 17, 2017
        • $1.1B
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          Total Assets Under Advisement
        • 10K
          Accounts
        • $119.5K
          Estimated Average Account Balance

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