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John A. Frisch CPA/PFS, CFP®, AIF®, PPC

Alliant Wealth Advisors

Prince William

VA

Contact Me

Overview

Services

Advisor Services

  • Pension Consulting
    • -401k
  • Portfolio Management
    • -Individuals and/or Small Businesses

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
Alexandria Capital 2 years, 10 months Jan 2015 - Present
Fiducial 10 months Jan 2005 - Nov 2005
Alliant Wealth Advisors 17 years, 10 months Feb 2000 - Present
Millennium Capital Mgmt Corp D/B/A Alliant Wealth Advisors 14 years, 10 months Feb 2000 - Dec 2014
Millennium Capital Mgmt Corp D/B/A Alliant Wealth Advisors 21 years, 12 months Dec 1995 - Present
Frisch, Ambrosiano & Kontos, Pc 9 years Dec 1995 - Dec 2004

Designations & Memberships

  • American Institute of Certified Public Accountants
    Membership
    American Institute of Certified Public Accountants
    The American Institute of Certified Public Accountants (AICPA) is the world's largest association representing the accounting profession, with nearly 370,000 members in 128 countries. AICPA members represent many areas of practice, including business and industry, public practice, government, education and consulting; membership is also available to accounting students and CPA candidates. The AICPA sets ethical standards for the profession and U.S. auditing standards for audits of private companies, non-profit organizations, federal, state and local governments. It develops and grades the Uniform CPA Examination.
  • Financial Planning Association
    Membership
    Financial Planning Association
    The Financial Planning Association (FPA®) is the largest membership organization for personal financial planning experts in the U.S. and includes professionals from all backgrounds and business models. We help connect thousands of consumers to competent and ethical planners who uphold the FPA Standard of Care.
  • National Association of Personal Financial Advisors
    Membership
    National Association of Personal Financial Advisors
    NAPFA, the National Association of Personal Financial Advisors, is the nation’s leading organization dedicated to the advancement of Fee-Only comprehensive financial planning. Consumers and the media look to NAPFA for access to financial advisors who meet the highest standards for professional competency, comprehensive financial planning and Fee-Only compensation.
  • Accredited Investment Fiduciary
    Designation
    Accredited Investment Fiduciary
    The Accredited Investment Fiduciary® (AIF®) designation represents a thorough knowledge of and ability to apply the fiduciary practices.
  • Certified Financial Planner
    Designation
    Certified Financial Planner
    A standard certification for advisors, designees are exposed to nearly 100 topics on integrated financial planning. Major topics include, but not limited to: insurance, employee benefits, securities, state and federal tax, estate tax and planning, asset protection, etc.
  • Personal Financial Specialist
    Designation
    Personal Financial Specialist
    Individuals holding this designation have an understanding of the service issues of retirement plan set-up, management, and review.
  • Professional Plan Consultant
    Designation
    Professional Plan Consultant
    This designation signifies a commitment to education and service excellence in the qualified plan industry.

Articles and Answers

Insights by John Frisch

Self-Directed Brokerage Accounts - The Sequel
Published 2013-12-26 05:45:08
Update on Target Date Funds and the DOL
Published 2013-12-26 05:52:23
Timely Reminders on Participant Disclosures
Published 2013-12-26 05:43:40
    *Articles are published by advisors without compensation.

    Answers

    Ask a financial questionAsk a question
    Should I continue contributing to my 401k plan that receives no match from my employer?
    Hello Andrew,The only way to get a firm answer to your question is to sit down with a financial planner and have them run some numbers for you using your personal financial situation. There were so many moving parts to your question. For it to be answered accurately we would have to know what your ...  (more)
    Answered Mar 2014
    I have 3 IRAs with 3 different firms, invested in 30+ stock funds. Would consolidation be a good move or will fees hurt?
    Hello Reed,It is certainly a good idea for you to review your portfolio at this point in time. Consolidating your accounts into one IRA will make it easier for you to track your overall portfolio to ensure it is properly diversified and that the overall portfolio fund expense ratios are minimal. ...  (more)
    Answered Mar 2014
    What benefits does a plan administrator get?
    Hi William,I’ll guess that you saw the Plan Sponsor and Plan Administrator listed on the Form5500 tab in the Brightscope web site for your company’s plan. Rich has described the roles of the Sponsor and Administrator. Both Sponsor and Administrator are Fiduciaries of your Plan. Other common...  (more)
    Answered Nov 2013
    What is the best way to use my 401k to help my parents with medical expenses?
    Hello Nicole,I’m sorry that your parents are suffering medical issues. It’s nice that you are willing to help.If possible it is best that you do not raid your retirement savings at all. If you withdraw funds, unless they are in a ROTH 401(k), you will have to pay income tax on the amount withdra...  (more)
    Answered Feb 2014
    I am 57 years old and have just been laid off permanently from my job of 24 years to a buyout. I have 163,000 in a 401K?
    Steve,I am sorry to hear that you lost your job after so many years. Since you are past the age of 54 you will avoid the 10% early distribution penalty if you withdraw the money from the 401(k). However if you role the 401(k) balance into an IRA you will have to wait until age 59-1/2 to avoid the...  (more)
    Answered Dec 2013
    What exactly is the purpose of the 401k HCE limit?
    Hi Jennifer,I am happy to hear that you are taking full advantage of your 401(k) plan. Maximizing your deferrals will put you well on your way to a secure retirement financially. So the limits affect your retirement age.For a retirement plan such as a 401(k) to continue to qualify to provide tax...  (more)
    Answered Dec 2013
    What are my options & how do I make the best choice for me and my family?
    Hi Sheila,Congratulations on your new full-time job. And I commend you on your questions. If you continue to ask these kinds of questions and implement good financial advice throughout your career you should retire in great financial shape.You can tell by the answers you have already received t...  (more)
    Answered Feb 2014
    How do I find out if I am a beneficiary on my deceased brothers 401k?
    Becky,I am sorry to hear that you lost your brother. To learn if you are the beneficiary on his 401(k) account you will have to contact the Plan Administrator or their designee. The place to start is to look for a phone number on one of his 401(k) Account Statements. If you do not have a state...  (more)
    Answered Nov 2013
    From a tax perspective, what is the difference between a 401K and an IRA account?
    William,There is one minor tax difference between a traditional IRA and traditional 401(k). Under current tax law you will be required to take required minimum distributions from the IRA beginning after age 70-1/2. But a non-owner employee who continues to work for the employer past the age of 70...  (more)
    Answered Mar 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?
    Hi Brent,You can transfer your ROTH IRA to another custodian (another brokerage firm, mutual fund company, bank, etc.) without any tax consequences as long as the funds go directly from your current ROTH to your new ROTH. When you open your new ROTH account tell the new custodian that you want to ...  (more)
    Answered Feb 2014
    How do we transfer ownership of our property from us if we still have mortgage on it?
    Hello Nelly,I’m sorry you are having health issues. You are smart to plan now before you get too close to the time when you may have to enter a nursing home.I agree 100% with Larry’s advice but would like to also give you an alternative to an outright transfer of your home to your children. The ...  (more)
    Answered Dec 2013
    How can I benchmark my expected retirement income against others my age/ work income level?
    C,But isn’t your financial situation unique? What if you learn that your projected retirement income is 50% above the average for your age but you don’t know your spending is 100% above? You may look at the 50% above benchmark and feel you have succeeded even when you are on a path to eating cat ...  (more)
    Answered May 2014
    I have a TransAmerica 401K through my employer. Every fund choice is a fund of a fund, increasing fees. Typical?
    Keith,Good detective work noticing the difference in the expense ratio of the fund your plan fiduciaries (those responsible for your plan) have placed in your 401(k) and the lower cost fund they could have put in your plan. If all employees paid attention to their plan I’m certain that plan fees w...  (more)
    Answered Oct 2014
    Where does RIA charge his fees from (fee only)?
    Hi Joseph,My firm is an RIA (note that an individual cannot be an RIA, instead they are an IAR - Investment Advisor Representative).An RIA's fee is paid by its client. Some RIAs receive payment from their clients by deducting their fees periodically (usually quarterly) from the investment account...  (more)
    Answered Mar 2014
    Mother, recently deceased. What happens to her retirement benefits?
    Hello Deborah,I’m very sorry to hear that you lost your mother. I know that is hard.I agree with the other advisors that more information is needed. If you are referring to a monthly pension payout from a previous employer then it is likely the payout will cease. But there is a chance a living ...  (more)
    Answered Oct 2013
    On behalf of LEONARD GIRARD - found papers for this plan in his files from the benefits department.
    Hello Patricia,Best thing to do is to find a phone number on the paperwork and call the number. If you can't find a phone number but have the name of the plan then you can search for the plan using Brightscope. Once you find the correct plan open the Form 5500 tab. On the first page of the Form ...  (more)
    Answered Feb 2014
    Should I split my 401(k)/403(b) contributions between a traditional and Roth option?
    Hello Tom,You are definitely asking the right questions. And it sounds like you are doing everything correct that is obvious. You are ensuring that you capture the maximum employer contribution at each job. And you are aware your maximum employee contribution to the plans combined is $17,500 (I a...  (more)
    Answered Feb 2014
    Is it recommended to leave one's 401(k) with employer upon retirement or roll over to an IRA account?
    Ivory,I agree that most times investors can lower investment cost and increase investment options by rolling their 401(k) to an IRA. However, sometimes the 401(k) plan offers advantages over the IRA. If your Plan makes it easy to invest properly by offering professionally managed asset allocation...  (more)
    Answered Jan 2014
    How do i find out with who and how to get into my 401k with aprevious employer?
    Hi Lisa,You have a couple of options. If you are receiving quarterly statements you will very likely find a phone number on the statement for participant services. If so call the number as that's the best place to start. If you are not receiving your statement (maybe you moved and they have lost...  (more)
    Answered Feb 2014
    What are the benefits of having life insurance tied to a 403B? Are the costs worth the insurance?
    Hi Linda,By insurance I am assuming you mean that your 403(b) plan offers variable annuity separate accounts as investment options inside your 403(b). Variable annuities are life insurance products in that, in their simplest form, the insurance company promises to pay your heirs at least the amo...  (more)
    Answered Feb 2014
    IRA Contribution with maxed out income - what can i or my wife contribute into a IRA?
    Hi Darren,Here are some thoughts. First, know that the 401(k) contribution limit increased in 2013 from $22,500 to $23,000 so you could consider increasing your 401(k) withholding before the end of this year to max out at $23k. Yesterday the IRS announced that the 2014 limit will stay at $23k fo...  (more)
    Answered Nov 2013
    How much are my various investment funds costing me?
    Hi Jim,In addition to the good advice you have already received on this topic I thought it might be helpful to discuss the concept of “share class” as it relates to mutual funds. I am making the assumption that by “investment funds” you mean mutual funds.As you can see from the other posts many d...  (more)
    Answered Nov 2013
    How might I go about finding out how my company's 401k stacks up against others in it's "peer group"?
    The following information is primarily for Plan Fiduciaries.There are many metrics you can use when tracking how your company’s retirement plan “stacks up” again similar size plans or those of firms in your industry. You could evaluate fees, participation rates, utilization rates (average deferra...  (more)
    Answered Nov 2013
    I am having a difficult time trying to use your website to contact Jeffrey Awve to discuss investing. Can you help?
    Paul,Search for Jeffrey's name on Brightscope under "Advisors" (change the drop down at the top from Financial Q&A to Advisors). Click on Contact Advisor.I believe you can also track him down at:Phone: 813-264-0440advisory@calton.com ...  (more)
    Answered Apr 2014
    I need to contact Andrew M. to ask about my mothers investment account?
    Diane,Try the Brightscope Advisor Search. There is an Andrew Monsour in Roanoke, VA listed in Advisor Search. Once you find the advisor you can send them a message from their profile....  (more)
    Answered Jan 2014
    How do I get access to my retirement funds?
    Hello Robert,Best guess is you are a participant in the ECI Telecom, Inc. Corporate Plan for Retirement in Fort Lauderdale, FL. If so the plan lists the phone number on its tax return as (954) 351-4316. Give them a call to learn what you need to do....  (more)
    Answered Jan 2014
    How do I take a Loan on my 401k?
    Hi Joe,I’ll assume you already know that your plan allows for loans. Not all plans do. If you are unsure ask your employer or get a copy of the Plan’s Summary Plan Description to find out.The exact procedure for taking a loan from your 401(k) is dictated by your employer’s recordkeeper. Some r...  (more)
    Answered Feb 2014
    In a QDRO which I'm 100% entitled to the 401K assets, how much will I be awarded if my ex-husband was only 20% vested?
    Akemi,The $33,000 is most likely made up of two separate accounts; one created by your ex-husbands contributions from his paycheck and one created by employer contributions. You are entitled to 100% of the employee contribution account (his deferrals into the account plus or minus change in invest...  (more)
    Answered May 2014
    Illiquid stocks, credit card debt, founder's low salary, and a couple of IRAs?
    Adam,You’ve received a lot of very the good advice from Carlos. Here is one more idea although I know it is a long shot. If your employer/company has a 401(k) plan and (a) allows rollovers into the plan and (b) allows loans, you could consider rolling your IRAs into the 401(k). You would be able...  (more)
    Answered Nov 2013
    Where can I find information about 'average' advisory and/or administration costs on 401(K) plans?
    Hi Stephanie,You can find 401(k) plan fee information in the “401k Average Book”. It retails for $95 but I believe you can find it on Amazon for less.The book doesn’t do a great job of separating out Advisor fees. It provides investment fees from which many advisors are paid. For example, a m...  (more)
    Answered Jul 2014
    How can get my statement 401k of lorix corporation, I'm 17 years without receiving any statement?
    Hi Josue,You will have to ask your plan administrator for a copy of your statement. Her name is Cindy Jalajas and the tax return lists her phone number as 760-737-8513. If you can't reach her speak with your Human Resources department. Hope this helps.PS: I suggest you do not post your socia...  (more)
    Answered Apr 2014
    I want to borrow against my 401k plan?
    The term "loan" is a misnomer. You can't loan your own money to yourself. In the context of a 401(k) it is simply moving ones money from a tax deferred account to a taxable situation and hopefully back if the "loan" is repaid. Anyway, Rich is right. Don't rob your retirement quality of life for to...  (more)
    Answered Apr 2014
    WHO DO I CONTACT TO FIND OUT ABOUT MY RETIREMENT BENEFITS FOR PLAN NUMBER 56-0898180-002.
    Carolyn,The 56-0898180 matches the Federal Employer ID number of the sponsor of the Wachovia Savings Plan Puerto Rico but I can't promise this is the correct plan. But give the Administrator, Hope Hardison, a call at (704) 374-6474 and ask. They are in Charlotte....  (more)
    Answered Mar 2014
    What debt should I pay off first?
    Robert,As a general rule you want to pay down your debt with the highest interest rate first and then the 2nd highest, etc. This will save you the most interest cost over the term of all debt combined.When you explain how much you will save per month in your various scenarios you are including pri...  (more)
    Answered Dec 2013
    How do I find out how much I have in my 401k n how do I go about cashing it out?
    Laura,In addition to what Kyle has suggested I would like to comment on the cashing out part of your question. I believe Kyle is asking if you are at your current employer or not because if you are asking about a plan balance at your current employer you will not be allowed to cash out your plan ...  (more)
    Answered Dec 2013
    I have receive notice from Social Security Administration that I have 20,258$ in Zachry retirement plan # 26-1256814-004?
    Hi Carlton,Based on the tax id you list the name of the plan is the ZACHRY HOLDINGS EMPLOYEES' 401(K) AND RETIREMENT BENEFIT PLAN. The phone number they show on their tax return is (210)588-6411. A call to this number would be the place to start.Having said that I would encourage you not to cas...  (more)
    Answered Jan 2014
    I want to convert traditional 401k contributions to Roth 401. Is it based on the value or contribution amount?
    Hi Colin,I agree with Rich. Unless the employer is footing the plan administrative expenses and is offering lower cost mutual funds than you can purchase inside a self-directed ROTH IRA you should consider a rollover to a ROTH IRA. However, it is possible that the employer's plan does not allow...  (more)
    Answered Jan 2014
    We would like to submit an RFP for invtmnt advry srvs for a DCplan. Can u provide us a scope of work doc template?
    Douglas,David is right. There is no one size fits all RFP template for DC plans. There are many different services an investment provider can offer so you need to identify which are right for your plan. Having said this there are some questions you should certainly have your advisor answer b...  (more)
    Answered Dec 2013
    Are anuities accrued or cash contribution? How do I find out? Can I cash it out?
    James,Unfortunately you have not provided enough information for us to answer your question specifically. For example, is the Annuity inside a tax deferred account such as a retirement plan or an IRA or is it outside. If it is inside a company retirement plan you may be able to take a distributio...  (more)
    Answered Mar 2014
    How do I file for retirement benefits.
    Hi David,Employers offer many types of retirement benefits. I will assume you are referring to your pension retirement benefit which may provide you a monthly income payment for life or the option of a one -time lump sum. Regarding the monthly income payment for life employers sometime offer a ...  (more)
    Answered Oct 2013
    Major differences between Growth Vs. Value Investing?
    Hi Melissa,You have received a good theoretical overview from the other advisor posts. But you may want to understand more specifically how a stock is classified as a value, growth or core. There are many investment services that slice and dice the stock market into smaller sections of the o...  (more)
    Answered Dec 2013
    I work for EME and we will be bought by NRG sometime next year. This is public info. What are my choices for my 401K?
    Mike,I assume you are referring to the NRG Energy, Inc. purchase of Edison Mission Energy. It appears that NRG Energy has a related entity entitled named NRG Affiliates Services, Inc. If the firm website is www.nrgenergy.com then I think I have this right.NRG Affiliates offers a number of diffe...  (more)
    Answered Nov 2013
    What is the average price for an ERISA 3 (38) investment manager?
    Dan,In addition to plan size you need to make sure you understand what level of service the 3(38) is offering. 3(38) is simple a code section under ERISA which allows the plan sponsor to offload the responsibly and potential liability under for investment selection to a third party; a bank, insura...  (more)
    Answered Jul 2016
    How long before im vested or 20% vested in my 401k plan for zachry industrial inc.
    Hi Richard,The best place to find the answer to your question is your plan’s Summary Plan Description. You should have or received it when you became eligible to participate in the plan. Having said this here are some general rules of thumb:- Vesting refers to ownership of the 401k account ba...  (more)
    Answered Dec 2013
    Does beneficary of 529 get left over at age 21?
    LInda,Just wanted to add that some 529 programs require the account be closed by the time the beneficiary is age 30. Others have an age 99 requirement. Best to know when you must distribute or change the beneficiary....  (more)
    Answered Mar 2014
    How do i withdraw from my 401k?
    Hello Deborah,Curt is right, you need to get a copy of your Summary Plan Description because Plan Sponsors have quite a few options when it comes to how they allow withdrawal of 401(k) balances.If you have terminated employment from your employer you can take a withdrawal of your vested account ba...  (more)
    Answered Jan 2014
    My husband is covered by a DB plan but I am not-can I contribute to an IRA in my name? Our combined income is 150000.
    Hi Danette,Happy Holidays.If you and your husband file your federal income tax return jointly then, yes, you can make an IRA contribution for 2013. You have until April 15, 2014 to do so. In fact you can make either a deductible traditional IRA contribution or a non-deductible ROTH IRA contribu...  (more)
    Answered Dec 2013
    Where I would find the fees charged to manage my 401K account.
    Katherine,Good question. It is important to consider fees when you invest, especially at your age. Hopefully you have another 80 years of investing ahead of you. Over time fees can make a big difference. Paying an extra 1% over 20 years can deplete your account balance by 17%. But fees are ne...  (more)
    Answered Nov 2014
    What are the best companies to move my funds from my prior employers 401k to? Lowest cost for best result?
    Hello Daren,First, I applaud you for not cashing in your 401(k) balance. Too many workers make the mistake of cashing in their 401(k) balance after they leave their employer. They believe the amount is small and will not impact their retirement standard of living. But even a small amount can gro...  (more)
    Answered Jan 2014
    I am looking for a tool that that can compare 2 funds as to over lap on holdings?
    Zahid,This is a good question and an issue you should be concerned about. Unfortunately I am unaware of any free tool that makes this exercise easy. I did find this US News Money Personal Finance web article entitled “How to “Dedupe” your Mutual Funds” at http://money.usnews.com/money/blogs/the...  (more)
    Answered Nov 2013
    My 401K options changed from several to a few options, some that I can't find. Should I be worried about my options?
    Walter,James K is right. You should find someone to review your plan investment options to determine if they are adequate. If not then they can help you select the proper investments using the self-managed option. There is a trend these days among plan sponsors to reduce the number of plan inve...  (more)
    Answered Mar 2014
    I need contact information on company/person in charge of handling SOC LLC Hawthorne NV 401k?
    Yuri,I believe that the Plan Administrator for your plan is Anne Hoban and her phone number is (215) 299-8000. Start with the Administrator. She can tell you how to take a distribution.Hope this helps....  (more)
    Answered Apr 2014
    Is there a way to determine if a particular company offers In-Service Withdrawals?
    Robin,If you have a copy of your Summary Plan Description you should see an explanation of how you can take a distribution from the Plan. You may find that the inservice age varies depending on which type of balance you would like to distribute. For example, the age for an inservice distribution...  (more)
    Answered Jan 2014
    How do I go about contacting our 401 K company to try to improve its rating?
    Hi Karen,I am unclear as to what you mean by "the company we own has about 10% of the plan assets". Maybe your company has a 401(k) plan that is part (10%) of a Multiemployer Plan (MEP)? Multiemployer plans are most commonly offered by Associations, PEOs and Labor Unions. If your company is part...  (more)
    Answered Oct 2013
    How can i find out how much i have in my 401k?
    HI Dale,Your plan sponsor should be reporting your account balance to you on a quarterly basis by providing a statement or some other accounting record. If you are not receiving a statement this could indicate you are not a participant in the plan yet or the sponsor may simply have a bad address o...  (more)
    Answered Feb 2014
    Is it possible to convert a traditional 401k to a roth in increments so I do not get taxed on the entire sum at once?
    Hi Robert,If you are asking if you can convert from a traditional 401(k) account to a ROTH 401(k) account the answer is that rules allow partial conversion but your Plan may not. Even if your plan does allow conversion to a ROTH 401(k) they limit the conversion to participants who are over age 59...  (more)
    Answered Jan 2014
    How do I find out how much is in my plan # 38-1776575-006?
    Hi Lisa,It looks like this is the CARHARTT, INC. UNION 401(K) PLAN. The plan Administrator is Susan Telang and her phone # is 313-271-8460.Hope this helps....  (more)
    Answered Mar 2014
    As I'm 64 and have a 401k loan, can I pay taxes on the loan amount and consider it paid off rather than continuing.
    Hi Jeff,The answer is yes. You can default on your 401(k) loan by simply ceasing your payroll repayment. The IRS will have considered you to have made what is called a "deemed distribution". You will have to pay income tax on the defaulted amount. You will avoid the 10% penalty since you are ove...  (more)
    Answered Dec 2015
    I need a hardship lonan what do i need to do?
    Hello Laquisha,Sorry that you are suffering a financial hardship. This response is for a hardship distribution. Not for a loan. I am unclear as to which you are requesting as they are two separate things.Ultimately you will have to work with your company’s plan administrator and recordkeeper to t...  (more)
    Answered Mar 2014
    How do I apply for dec. husbands 401k plan?
    Hello Mary,First of I am very sorry that you lost your husband. I know that is very hard.In order for you to claim his 401k account you should contact the customer service number found on a recent 401k statement. The customer service department or the company HR department can help. They will ...  (more)
    Answered Sep 2014
    Profit sharing, how long to receive monies?
    Hello Thomas,William is right, we need more information to help. But I will assume that you are referring to an employer profit-sharing contribution into your 401(k) account. If this is the case your first step is to get a copy of the plan’s Summary Plan Description document. There are two sectio...  (more)
    Answered Jan 2014
    What age can profit sharing be drawn out?
    Eugene,I'll assume you are vested in your employer's profit sharing contribution. I'll also assume you are presently employed with the plan's employer. Even with these assumptions I can't answer your question. Typically a plan will have an inservice distribution age of 59-1/2 to 65. But that's...  (more)
    Answered Mar 2014
    How much money can i borrow the first time?
    Amy,Assuming your 401(k) plan even allows loans the minimum is usually $1,000 and the maximum is the lessor of 50% of your vested account balance and $50,000.Understand that this is not really a loan. You would only be moving money from your retirement account into your checking account and then ...  (more)
    Answered Oct 2014
    What is the average 401k fee for a small company?
    Susan,Although not perfect the "401k Book of Averages" is a good place to start. Retails for around $95 but you can often find it cheaper on Amazon.Hope this helps. Have a nice weekend....  (more)
    Answered Nov 2014
    I need the balance or statment of my 401k?
    Hi Ignacio,Contact the Human Resources Department of the employer who provides the 401(k) plan. You should be receiving statements on at least a quarterly basis. Often times when participants do not receive statements the reason is that the recordkeeper has the wrong mailing address in their sys...  (more)
    Answered Feb 2014
    I'm wanting to buy a house if I have already borrowed against my 401k can I borrow again for purchasing a home?
    Hi TimothyIf your plan allows more then one loan at a time then the answer is 'yes'. If so you may be allowed to amortize the loan over 30 years (again, up to your plan). Remember that if you terminate employment your loan must be repaid within. 90 days. Also consider that the 401k loan is not ...  (more)
    Answered Sep 2014
    How much should my retirement plan service provider fees be on top of the underlying funds available?
    I don’t have much to add. But I like to emphasize that your employer is only obligated to pay a reasonable fee for the plan. There is no legal requirement to pay the lowest fee. As a participant you may see no value to paying any more then you have to but 401(k) plans are like automobiles. There...  (more)
    Answered Nov 2015
    For my company Profit sharing plan. I have 28 years in the plan and am able to make withdrawals 1 time per year.
    Danny,If your $110k distribution was made within the past 60 days you may role the $110k into a traditional IRA and avoid the income tax and penalty consequences. Your employer properly withheld 20% from your distribution. They have sent that to the Government so the only way to get it back is ...  (more)
    Answered Jan 2016
    What are the expenses of a fund of funds like Fidelity 2020?
    Gregory,To piggy back on Pam’s thoughts, when it comes to fees it is very important to know the exact name and share class of the 2020 fund you are researching. Take Fidelity for example. They offer 14 different 2020 funds: 6 different share classes of the Fidelity Advisor Freedom series, 5 of the...  (more)
    Answered Nov 2013
    Can I get a second loan on my 403b retirement if I haven't paid off my first loan?
    Martice, Regulations allow multiple loans. However your Plan may not. You will have to ask your HR Department to learn whether or not multiple loans are allowed. They may direct you to your investment platform (Vanguard, TIAA/CREF, etc) but the HR Department is a good place to start....  (more)
    Answered Aug 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.
    Hello Rhodes,I will assume that you are receiving your quarterly participant statement and that it shows a balance. The best way to find out how much of your account is available to withdraw is to call the contact phone number found on your participant statement.But in general any contributions ...  (more)
    Answered Feb 2014
    How do i find benefits for plan 38-1783305-001?
    Hi Marion,It looks like this is the Fisher & Company, Incorporated Pension Plan. The plan Administrator is Rosalyn Rottier and her phone # is 586-296-1770.Hope this helps....  (more)
    Answered Mar 2014
    Employer plan offers both trad & roth 401k options, but won't allow me to convert?
    Hi Denise, Your plan had to be "amended" to allow for the conversion privilege afforded by the TRA. Ask for a Summary Plan Description for your plan and see if the SPD mentions the ROTH conversions. Prior to the TRA participants age 59-1/2 and over could convert to a ROTH if the plan allowed. ...  (more)
    Answered Jun 2014
    How do I set up pretax 401k contributions to meet company match when my commission income varies from check to check?
    Kristian,When you log into your participant site to change your contribution amount are you allowed to use a %? If so then this is likely the best solution. If your contributions happen to reach the maximum amount allowed by law ($18k if under age 50 and $24k if 50 and older) before year end the ...  (more)
    Answered Jan 2016
    I am 55 and would like to roll my pension into my 401k. Can I take money out the 401 k later without penalty?
    Earnest,I agree with James and William but would add that you need to be sure your Plan allows you to take an "in-service" distribution of the money you roll into your current employer's plan. It could be that the plan has language that does not allow you to take any distribution from the plan (re...  (more)
    Answered Sep 2014
      *Answers are submitted by advisors without compensation.

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