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SubmitBlog Tag: Roth IRA
Change of the Seasons
September and October on Delmarva means things are changing. Weather, color on the leaves, and the groans about the declining frequency of “beach weather.” The Tax Cuts and Jobs Act (TJCA) was signed into law on December 17th, 2017, and brought about significant changes to the tax code for nearly every American. Often built into […]
Retirement Blind Spots?
Oftentimes, when driving, you might give a little glance over your shoulder and start to switch lanes only to hear a horn and find someone driving in your blind spot. You move back over and keep heading in your lane. The question might be, “Were you able to get back over, get off on the […]
What We’re Reading: Mid-Year 2024 Edition
Retirement, a phase of life many look forward to, is evolving in fascinating ways. From financial planning to lifestyle choices, staying abreast of the latest trends and insights is crucial for anyone approaching or enjoying retirement. Here’s a curated selection of recent articles that delve into intriguing retirement topics: 1. How to Vet the Financials […]
Football Season is Over….Retirement Lessons Still Important
For those of you who are familiar with American Football, you might be familiar with a term known as the “red zone”. If you aren’t as familiar with football and have never heard the term, it’s defined as when the team on offense enters the opponent’s 20-yard line or closer to the end zone. In […]
What We’re Reading – August Edition
https://www.blackrock.com/us/individual/insights/blackrock-investment-institute/weekly-commentary A great recap from one of the largest asset managers in the world on how companies fared over last quarter’s earnings reports.
Funding Your Trust – Don’t Forget to Fund It
It is often a savvy estate planning move to create a revocable trust to avoid the probate process and associated costs. I see our clients do this quite frequently. It is important, however, that the trusts get funded, and your assets titled into the name of the trust. Failing to transfer all intended assets to […]
529 College Savings Plan Roth Conversions: Two Birds, One Stone
The SECURE Act 2.0 has been passed in 2022, bringing us new and exciting financial planning opportunities. The opportunity in question today; 529 Roth Conversions. Beginning in 2024, 529 plan assets will be allowed to roll over into Roth IRA accounts for a 529 beneficiary. So, what does this mean exactly? It means as a […]
What We’re Reading – February Edition
https://www.moodysanalytics.com/-/media/article/2022/slowcession.pdf Moody’s – Slowcession. Moody’s Mark Zandi coins a new term to describe the current economic landscape. Read to find out the strengths and weaknesses of the market and what’s in store for 2023. https://www.wsj.com/articles/consumer-spending-inflation-economy-11675093472 Wall Street Journal – The U.S. Consumer Is Starting to Freak Out. The U.S. consumer influences approximately 70% of the […]
Lifetime Gifting
Retiree’s have benefited from over a decade of an incredible equity market run since the depths of the financial crisis. By and large, “sustainable” portfolio withdrawal rates from 4-6% have held up without depleting original retirement balances. We frequently see individuals who are in or past their first decade of retirement have significantly more in […]
What We’re Reading – August Edition
S&P Dow Jones – Indexology Blog – S&P 500 and Dow Jones Industrial Average – Same but different https://www.indexologyblog.com/2021/07/22/the-sp-500-and-djia-divergent-paths-to-similar-results/ A quick read on the difference between the two popular bellwethers of the US stock market. Which do you track, and what makes them different?