family college planning, limited stock and mutual fund analysis outside of retirement planning
|
|
|
- David Junior Benson
- 8 years ago
- Views:
Transcription
1 Comprehensive Financial Planning Package Outline Benefit Overview Silver Package Basic Financial Planning Determine income needs, retirement funds needed, family index number. Lifeinsurance analysis, limited family college planning, limited stock and mutual fund analysis outside of retirement planning Gold Package Deluxe Financial Planning Silver Package Plus more robust retirement planning and functionality. Limited estate planning. Additional College Education planning functionality, Additional Individual and portfolio risk analysis Platinum Package Premiere Financial Planning Gold Package Plus full retirement planning with Monte Carlo Simulation and Efficient Frontier analysis, full estate planning, full education analysis and full stock and mutual fund analysis
2 Retirement Planning Analyze your present retirement plans, including company 401(k), profit sharing and pension plans to see how they meet your projected retirement needs. Determine your retirement income needs based on retirement needs, retirement goals and time horizon Determine family index number, based on retirement income, needs and goals Determine whether your projected resources will be sufficient to fund the desired level of retirement Evaluate whether or not the taxes on qualified plan distributions may be an issue and whether your qualified retirement funds will be needed to meet your income objective. Check assignments and beneficiaries. Silver Gold Platinum Discuss ways to maximize cost effectiveness. Determine whether or not your objectives are attainable in the event of a long term disability or premature death of you or your spouse. Evaluate current investment strategy in relation to your objectives and personal risk tolerance and recommend reallocations of monies as needed Determine how to get maximum Effectiveness. Coordinate plan with other benefits. Discuss ways to minimize taxes (both state and federal). Identify and discuss alternatives to reduce income tax liabilities, as they relate to your investments. Monte Carlo Simulation Efficient Frontier analysis
3 Estate Planning Analyze present estate distribution plan. Illustrate alternatives that would help reduce or eliminate probate. Conservation and Distribution Illustrate alternatives that would help reduce or eliminate estate taxes. Risk Management Needs Analysis Determine Insurance Coverage Needs (Life Insurance, Disability, Long Term Care, Med Supplement) Review existing policies Survivor Needs Analysis Survivor Needs and Cost Analysis Financial Statements Make available appropriate financial statements to view and print Roth Conversion Evaluate IRA to Roth conversion Education Planning Determine college funding goal Determine college funding amount Risk Tolerance analysis Assess Asset allocation Determine Investment recommendation
4 Client Access Access created financial plans Aggregation of online accounts Access and maintain files in Vault Stock, mutual fund analysis (excluding retirement) Analyze stock performance (and dividend if applicable). Morningstar report on stock. At redemption, discuss where new assets should be placed. Analyze redemption alternations with stock fluctuations. Individual and Portfolio risk analysis Discuss redemption effects on Estate Planning. Reviews (review goals, monitor progress, asset allocation review and rebalancing) Annual Semi Annual
5 Additional Planning Services Available Cash flow analysis - consultation, and written recommendations on how to move forward. Budget Implementation (after cash flow consultation) - includes assistance in setting up a budget, tracking cash flow and two months of follow up in relationship to budgeting and cash flow. Other Available Services 401K Active Watch - A personalized 401K investment recommendations and regular monitoring and timely recommendations. Wealth Management Tool - Our actively managed tactical strategy utilizes a unique blend of global capital appreciation and methods coupled with risk control techniques designed to Harvest Gains and Limit Losses.
Personal Financial Plan. John & Mary Sample
For Prepared by Donald F. Dempsey Jr. PO Box 1591 Williston, VT 05495 802-764-5815 This presentation provides a general overview of some aspects of your personal financial position. It is designed to provide
Guide To Wealth Management
Guide To Wealth Management There are many financial issues that impact our lives. Many people never formally address important concerns with their advisors because the conversations may be difficult to
Retirement Income Investment Strategy by Andrew J. Krosnowski
Retirement Income Investment Strategy by Andrew J. Krosnowski Step 1- Income Needs-When formulating a successful strategy to generate income during retirement we feel that it is important to start by identifying
EXPLORE. Investment Planning Planning for Financial Security SAVING : INVESTING : PLANNING
EXPLORE Investment Planning Planning for Financial Security SAVING : INVESTING : PLANNING About this seminar Presentation > Provides comprehensive education > Includes action steps > Provides opportunity
(a) Apply generally accepted investment theories that take into account the historic returns of different asset classes over defined periods of time;
Yes. Since 1998, Financial Engines has provided online advice to individuals in defined contribution plans, and since 2001, we have provided advice on all tax-deferred and taxable account types (including
PRELIMINARY FACT FINDER
CLIENT INFORMATION Family Information Client Spouse Full Name (First, MI, Last) Date of Birth (MM/DD/YYYY) Social Security # Drivers License # / State Address City / State / Zip Home Phone # Business Phone
! There are currently two types of IRAs.
An IRA can be established and funded at any time from January 1 of the current year and up to and including the date an individual s income tax return is due (generally, April 1 of the following year),
Client(s): Jon Traditional. Katie Traditional. Advisor:
Table of Contents Table of Contents... 1 Disclaimer... 2 Basics of Life... 4 Survivor Costs... 5 Survivor Costs vs. Resources... 9 Survivor Portfolio... 13 Survivor Costs vs. Resources w/ Add'l... 17 Survivor
Chaper 3 -- Analyzing Suitability
Chaper 3 -- Analyzing Suitability Multiple Choice Identify the choice that best completes the statement or answers the question. When you have answered all of the questions, click the Check Your Work button
Annuities. Introduction 2. What is an Annuity?... 2. How do they work?... 3. Types of Annuities... 4. Fixed vs. Variable annuities...
An Insider s Guide to Annuities Whatever your picture of retirement, the best way to get there and enjoy it once you ve arrived is with a focused, thoughtful plan. Introduction 2 What is an Annuity?...
The Insured Annuity Strategy. What would you do in retirement if you knew your income was guaranteed for life?
The Insured Annuity Strategy What would you do in retirement if you knew your income was guaranteed for life? Enjoy the retirement you want to live. You re working hard to save for your retirement. Yet
Can Deduction Be Taken Prior to Investing the Funds?
Deadline to Establish and Fund an IRA An IRA can be established and funded at any time from January of the current year and up to and including the date an individual s income tax return is due (generally,
FINANCIAL PROFILE. 3601 West Washington Avenue Suite 2 Yakima, Wa 98908 509-966-4811 www.reevesfinancial.net
H E L P I N G Y O U A C H I E V E F I N A N C I A L G O A L S FINANCIAL PROFILE 3601 West Washington Avenue Suite 2 Yakima, Wa 98908 509-966-4811 www.reevesfinancial.net INVEST Financial Corporation is
Retirement Planning. Overview. Description and Operation
Retirement Planning Overview Retirement planning is the process of developing a realistic approach to adequately funding for one s The process can be somewhat complex due to the numerous issues and variables
Resource Guide. Creating a plan for lifetime income in retirement
Resource Guide Creating a plan for lifetime income in retirement Freedom in retirement starts with income in retirement When it comes to planning for your future, nothing should be left to chance. That
Your pension benefit options
2 Your pension benefit options Traditional pension plans generally provide the option of a lump-sum payment or a fixed monthly payment for life through an annuity. The fixed monthly payment amount is usually
How To Use Life Insurance For Retirement
presents Tax Free Retirement Income Through Life Insurance By Travis Jennings TravisJenningsFinancial.com Today, people are living longer than ever before. Yet, while that is certainly great news on many
Traditional and Roth IRAs. Invest for retirement with tax-advantaged accounts
Traditional and s Invest for retirement with tax-advantaged accounts Your Retirement It is your ultimate reward for a lifetime of hard work and dedication. It is a time when you should have the financial
Complimentary Financial Planner
Complimentary Financial Planner Creating Wealth Since 1922 PERSONAL INFORMATION Name Social Security Number Date of Birth Home Street Address You Your Spouse City, State, Zip Home Telephone Marital Status
Couples Dual Questionnaire
Investor Profile Questionnaire Your responses will help us recommend a custom investment program tailored to your needs. Clients names How did you hear about us? Are you: Married Single Please complete
GUIDANCE. Retirement Income Strategies Distribution Planning for Today s Retirement SAVING : INVESTING : PLANNING
GUIDANCE Retirement Income Strategies Distribution Planning for Today s Retirement Agenda 1 The new retirement realities 2 The five risks of retirement 3 Essential income planning 4 Next steps 2 The new
Understanding Annuities
Annuities, 06 5/4/05 12:43 PM Page 1 Important Information about Variable Annuities Variable annuities are offered by prospectus, which you can obtain from your financial professional or the insurance
GE Mutual Funds. July 2014
GE Mutual Funds Elfun Funds/GE Stock Traditional IRA Disclosure Statement and Custodial Agreement Roth IRA Disclosure Statement and Custodial Agreement July 2014 Elfun Funds/GE Stock Traditional Individual
Investing for Retirement
Investing for Retirement Asset Allocation Rollovers Dr. Suzanne Badenhop Professor/Extension Specialist College of Agriculture Understanding investing for retirement Asset Allocation Diversification Rebalance
Imagine Your Future Set YourGoals Chart Your Course. The Importance of Financial Planning
Imagine Your Future Set YourGoals Chart Your Course The Importance of Financial Planning Ask yourself these questions: Financial Planning Provides Direction and Discipline It s important to know where
Verizon 401(k) Savings Plan Investment Advice
Verizon 401(k) Savings Plan Investment Advice This message is intended to provide guidance to Verizon corporation employees to assist them in investing their savings plan assets more efficiently. If you
Maximize Retirement Income and Preserve Accumulated Wealth
Maximize Retirement Income and Preserve Accumulated Wealth Welcome! Steven M. Dalton, CFP 40 South River Road, Unit 15 Bedford, NH 03110 603-668-2303 Securities offered through Comprehensive Asset Management
Completed by. Date. Personal Viewpoint
Completed by Date Personal Viewpoint An overview of your financial development, income protection, life insurance coverage, and estate organization from your point of view. your personal views. A- Essential
Personal Financial Plan. John and Mary Sample
For January 1, 2014 Prepared by Allen Adviser 2430 NW Professional Dr. Corvallis, OR 97330 541.754.3701 Twelve lines of custom report cover text can be entered. This presentation provides a general overview
Life Portraits SS Financial Analysis FactFinder
Life Portraits SS Financial Analysis FactFinder Client and Family Information Personal Needs Presentations Client Name Date of Birth Retirement Age Address Gender City State, Zip Income Tax Bracket Home
Distributions and Rollovers from
Page 1 of 6 Frequently Asked Questions about Distributions and Rollovers from Retirement Accounts Choosing what to do with your retirement savings is an important decision. Tax implications are just one
LIFE WHOLE. Whole Life. a foundation. for life
LIFE WHOLE Whole Life a foundation for life At MetLife, our representatives are committed to helping you find solutions to all of life s possibilities and uncertainties the ifs in life. solutions for the
financial planning & advice
financial planning & advice Tips for successful investing. Start early and invest regularly Do your homework take the time to become an informed investor Develop an investment strategy you are comfortable
ACTIONABLE STRATEGIES FOR REDUCING MEDICARE TAXES
ACTIONABLE STRATEGIES FOR REDUCING MEDICARE TAXES Medicare taxes increased in 2013 for high-income earners. Timely action can help reduce the impact of higher taxes. KEY TAKEAWAYS High-income taxpayers
TIAA-CREF Life Insurance Company. Single Premium Immediate Annuities. Step closer to meeting your lifetime income needs.
TIAA-CREF Life Insurance Company Single Premium Immediate Annuities Step closer to meeting your lifetime income needs. Securing a lifetime of retirement income TIAA-CREF: Financial services More than 90
Creating Tax Alpha B & F Financial Analytics, Inc.
This presentation is not intended to provide legal or tax advice. Consult with your legal and tax professional To determine how the concepts presented apply in your Situation. Creating Tax Alpha B & F
Traditional and Roth IRAs. Invest for retirement with tax-advantaged accounts
Traditional and Roth IRAs Invest for retirement with tax-advantaged accounts Your Retirement It is your ultimate reward for a lifetime of hard work and dedication. It is a time when you should have the
NaviPlan FUNCTIONAL DOCUMENT. Monte Carlo Sensitivity Analysis. Level 2 R. Financial Planning Application
FUNCTIONS ADDRESSED IN THIS DOCUMENT: How does Monte Carlo work in NaviPlan? How do you interpret the report results? Quick Actions menu Reports Monte Carlo The is a simulation tool you can use to determine
Disclaimers and Conflicts. Personal Finance Antonio X. Bonfiglio, M.D., FACEP Department of EM SJMOH August 19, 2014. What s the Point?
Disclaimers and Conflicts I am not a financial advisor, but I play one in real life Most physicians (and people in general) are poor money managers All decisions and investments are at your own risk Personal
Traditional and Roth IRAs
october 2012 Understanding Traditional and Roth IRAs summary An Individual Retirement Account (IRA) is a powerful savings vehicle that can help you meet your financial goals. As shown in the chart on page
Roth IRA Conversion and Roth 401(k) Contributions - To Convert or Not?
Roth IRA Conversion and Roth 401(k) Contributions - To Convert or Not? For those that haven't already been inundated by communication regarding this year's one time Roth conversion opportunity, here is
Financial Planning Report. for. Mr. and Mrs. Client. Presented by
Financial Planning Report for Mr. and Mrs. Client Presented by Lawrence I. Grossman, CFP, AIF, MBA, MA Grossman Financial Management 940 Adams Street, Suite L Benicia, CA 94510 707/745-8756 TABLE OF CONTENTS
Cash Flow and Asset Analysis
Jim and Sally Sample for: Jim and Sally Sample 04/21/2015 $1,600,000 Assets + Estimated Entry Fee Refund $1,200,000 $800,000 $400,000 $0 1 2 3 4 5 6 7 8 9 10 11 Total assets at the end of each year Estimated
YEAR-END MOVES: Prepare for 2016
YEAR-END MOVES: Prepare for 2016 YOUR HOST John Sweeney Executive Vice President, Retirement & Investing Strategies, Fidelity Investments 2 JOIN THE CONVERSATION: @SweeneyFidelity PRESENTER Jeffrey S.
Financial Planning and Investment Management
Financial Planning and Investment Management FOCUSED FINANCES LLC April 19, 2016 Financial Planning Services Full Financial Plan: A full financial plan project is completed over the course of 3 to 4 in
Frequently asked questions
Page 1 of 6 Frequently asked questions Distributions and rollovers from retirement accounts Choosing what to do with your retirement savings is an important decision. Tax implications are just one of several
Financial Building Blocks SJC Mom's Club February 24, 2012. Kirk A. Kreikemeier, CFP,CFA, FSA Pebble Valley Wealth Management
Financial Building Blocks SJC Mom's Club February 24, 2012 Kirk A. Kreikemeier, CFP,CFA, FSA Topics discussed today Current state of the economy and financial markets Economy s impact on individual s balance
2014-2015 Entrust Account Guide
2014-2015 Entrust Account Guide Helping You Direct Your Future Account Guide Individual Retirement Accounts Traditional and Roth IRAs Go To Section Small Business Retirement Accounts SEP and SIMPLE IRAs
Nonqualified annuities can be classified in a number of ways:
The term annuity refers to any situation where principal and interest are paid out in a series of regular payments. A nonqualified annuity, generally, is an annuity purchased by an individual from a life
YOUR GUIDE TO GETTING STARTED
George Mason University Cash Match Plan (#72170) Invest in your retirement and yourself today, with help from The George Mason 401(a) Match Plan and Fidelity. YOUR GUIDE TO GETTING STARTED Invest some
Making Retirement Work
Making Retirement Work Francis J. Sennott March 12, 2013 ROPES & GRAY LLP Agenda Planning for Retirement Saving for retirement Qualified retirement plans Other personal savings Investment planning Social
It s your future. Choose Pension2 TM. Pension2. Program Highlights
It s your future. Choose Pension2 TM. Pension2 Program Highlights It s your future. Choose Pension2. Your plans for the future are important to us at CalSTRS. For more than 100 years, we have been the
Understanding Your Life Insurance Options
Understanding Your Life Insurance Options Designed for: Marathonbenefits.com Designed by: Marathon Benefit Corp. Ph: 403-238-7343 sales@marathonbenefits.com September 17, 2010 U N D E R S T A N D I N G
Laurel View Village Residential Living Unit Application
Laurel View Village Residential Living Unit Application Couples should complete one set of forms jointly. Leave blank any items that do not pertain to you. Please fill out all items completely as possible,
Prepared for: Prepared by: Robin Weingast President Robin S. Weingast Associates, Inc. 100 Quentin Roosevelt Blvd, Suite 507 Garden City, NY 11530
Prepared for: Prepared by: Robin Weingast President Robin S. Weingast Associates, Inc. 100 Quentin Roosevelt Blvd, Suite 507 Garden City, NY 11530 Phone: 516.794.8146 Fax: 516.794.8146 Email: rsw@rswtpa.com
Guaranteed to Fit Your Life
An Overview Guide for Individuals Guaranteed to Fit Your Life The value of whole life insurance throughout your lifetime Insurance Strategies Contents 1 Whole Life Insurance Basics 2 Insurance That Fits
Your retirement income. Managing your retirement plan assets
Your retirement income Managing your retirement plan assets Taking control of your retirement assets If you are changing jobs, displaced, or retiring, you may find yourself facing one of the most important
FOR DISCUSSION TODAY WHAT IS AN IRA? IRA EDUCATION WORKSHOP
IRA EDUCATION WORKSHOP More Choices, More Flexibility, More Control C40949 FOR DISCUSSION TODAY 1. WHAT IS AN IRA? 2. 3. CHOOSING YOUR IRA 4. FIVE THINGS TO REMEMBER Transfers may be subject to differences
Whole Life Insurance. John Perre Regional Life Sales Manager
Introduction to Whole Life Insurance John Perre Regional Life Sales Manager Agenda Introduction to Equitable Life Stock company VS a mutual company Benefits of dealing with a Mutual Company Introduction
Roth IRAs. Funding a Roth IRA
The Roth IRA differs from the traditional IRA in that contributions are never deductible and, if certain requirements are met, account distributions are free of federal income tax. Funding a Roth IRA Annual
SECURITY BENEFIT. Advisor Program. MUTUAL FUNDS FOR IRA SEP/SIMPLE IRA 403(b)(7)
SECURITY BENEFIT Advisor Program MUTUAL FUNDS FOR IRA SEP/SIMPLE IRA 403(b)(7) Security Benefit Advisor Program SAVE AND CONSOLIDATE DIVERSIFY YOUR PORTFOLIO CREATE DYNAMIC STRATEGIES Security Benefit
Attorneys' Title Guaranty Fund, Inc. Savings Plan
Attorneys' Title Guaranty Fund, Inc. Savings Plan There are many great benefits to being a participant in the Attorneys' Title Guaranty Fund, Inc. Savings Plan. Among those benefits is exceptional customer
December 2014. Tax-Efficient Investing Through Asset Location. John Wyckoff, CPA/PFS, CFP
John Wyckoff, CPA/PFS, CFP Your investment priorities are likely to evolve over time, but one goal will remain constant: to maximize your investment returns. Not all returns are created equal, however.
Find out more a http://legacy.retirevillage.com 2015 Annuity.com. All rights reserved. This guide is copyrighted. It may not be reproduced without
1 Presented by: Shawn Hogan Legacy Insurance & Financial Group http://legacy.retirevillage.com An Insider s Guide to Annuities Plus Secrets the Insurance Companies don t want you to know! Whatever your
BENEFICIARY PAYMENT OPTIONS
BENEFICIARY PAYMENT OPTIONS FOR ROTH IRAS TABLE OF CONTENTS INTRODUCTION................... Page 2 QUESTIONS AND ANSWERS........ Page 3 PAYMENT OPTIONS............... Page 6 Lump Sum........................
A guide for managing your IRA inheritance. Maximize your inherited IRA and enhance your financial security.
A guide for managing your IRA inheritance Maximize your inherited IRA and enhance your financial security. Make the most of your inheritance by taking advantage of continued tax-deferred growth potential.
Eagle Systems, Inc. Tax Deferred Savings Plan & Trust (EAG) DISTRIBUTION REQUEST FORM
Participant Information Eagle Systems, Inc. Tax Deferred Savings Plan & Trust (EAG) DISTRIBUTION REQUEST FORM Name: SSN: Address: City: State: Zip: *Phone Number: *Email: Hours Worked YTD: Date of Birth:
LEGEND FINANCIAL ADVISORS, INC. SUMMARY OF PERSONAL FINANCIAL PLANNING SERVICES
LEGEND FINANCIAL ADVISORS, INC. SUMMARY OF PERSONAL FINANCIAL PLANNING SERVICES 2003 2014 Legend Financial Advisors, Inc. HOW TO CONTACT US Headquarters address: Legend Financial Advisors, Inc. 5700 Corporate
Tax Facts Quick Reference 2012
Wealth Management Services Tax Facts Quick Reference 2012 Income Investment Estate Retirement Social Security FOR USE BY FINANCIAL ADVISORS AND CLIENTS IN CONSULTATION WITH THEIR FINANCIAL ADVISOR FOR
ANNUITIES VARIABLE. MetLife Retirement Perspectives. asset allocation questionnaire
LINE BAN ANNUITIES VARIABLE MetLife Retirement Perspectives asset allocation questionnaire Asset Allocation Questionnaire The following questions will enable you to determine your time horizon and risk
Lifetime Income Financial Evaluation
Lifetime Income Financial Evaluation Client Name We will hold in the strictest confidence the information collected and entered in this document, other documents, and computerized software programs. We
SUPPLEMENT TO ANNUAL FUNDING NOTICE OF MAYO PENSION PLAN FOR PLAN YEAR BEGINNING JANUARY 1, 2015 AND ENDING DECEMBER 31, 2015 ( Plan Year )
SUPPLEMENT TO ANNUAL FUNDING NOTICE OF MAYO PENSION PLAN FOR PLAN YEAR BEGINNING JANUARY 1, 2015 AND ENDING DECEMBER 31, 2015 ( Plan Year ) This is a temporary supplement to your annual funding notice.
KEY FACTORS WHEN CONSIDERING A ROTH IRA CONVERSION
KEY FACTORS WHEN CONSIDERING A ROTH IRA CONVERSION PERTINENT INFORMATION Mr. Kugler has accumulated $1,000,000 in a traditional IRA. Mrs. Kugler is the designated beneficiary (DB) and their daughter is
Comprehensive Financial Management
Comprehensive Financial Management Our Hallmark: Communication & Accountability Columbia Financial Advisors Comprehensive Financial Management Columbia Financial Advisors is committed to helping clients
ESTATE PLANNING WORKSHEET
ESTATE PLANNING WORKSHEET Please complete the following worksheet and mail it to my office prior to our initial meeting, or e-mail it, or bring it with you. At the end of the worksheet is a list of documents
DISTRIBUTION FROM A PLAN NOT SUBJECT TO QJSA
DISTRIBUTION FROM A PLAN NOT SUBJECT TO QJSA This form must be preceded by or accompanied by the Special Tax Notice Regarding Plan Payments [Code (402(f)) Notice] PLAN INFORMATION Name of Plan: PARTICIPANT
IRA opportunities at UBS
IRA opportunities at UBS IRAs are highly popular and effective retirement savings vehicles that give your investment earnings the benefit of tax-favored treatment and provide an ideal supplement to employer-sponsored
Financial Checkup. Use this Checkup to: Get Organized Identify the Gaps in Your Financial Life Work More Effectively With Your Financial Advisor
Financial Use this to: Get Organized Identify the Gaps in Your Financial Life Work More Effectively With Your Financial Advisor Table of Contents Financial Topics: Page Investments General......................................
Your Thrift Plan Handbook... THRIFT PLAN. Thrift Plan for Retirees Table of Contents. Keys to having made the most of your savings:
Preset Mixes Table Your Thrift Plan Handbook... Keys to having made the most of your savings: THRIFT PLAN Be sure to choose a payment option To make the most of your benefits, meet with a Deseret Mutual
Rollover IRAs. Maximize the potential of your retirement savings
Rollover IRAs Maximize the potential of your retirement savings Consolidate Your Retirement Savings With a Rollover IRA If you have changed jobs, left the workforce or plan to retire, you likely have
T. Rowe Price SIMPLE IRA SUMMARY & AGREEMENT
T. Rowe Price SIMPLE IRA SUMMARY & AGREEMENT June 2006 Important Change to the T. Rowe Price Traditional and Roth IRA Summary & Agreement and the T. Rowe Price SIMPLE IRA Summary & Agreement Please review
Choosing the right investment strategy is not as complicated as it seems. This questionnaire will provide us guidance on the type of investor you
Choosing the right investment strategy is not as complicated as it seems. This questionnaire will provide us guidance on the type of investor you might be and also assist us in selecting the best suited
Keeping it Simple: White Paper. Lifestyle Funds: A Streamlined Approach
Keeping it Simple: Lifestyle Funds for Retirement Planning Retirement investors who suspect that things are more complicated than they used to be can take heart from the findings of a new study by American
Do I need to do Financial Planning?
Do I need to do Financial Planning? If so, what type of planning do I need? Self Scoring Please write in the corresponding number for each of your answers. Total your answers after each section and again
Annual contributions: Conversion of a traditional IRA account: Rollovers from a qualified plan:
The Roth IRA differs from the traditional IRA in that contributions are never deductible and, if certain requirements are met, account distributions are free of federal income tax. 1 Annual contributions:
How To Use A Massmutual Whole Life Insurance Policy
An Educational Guide for Individuals Unlocking the value of whole life Whole life insurance as a financial asset Insurance Strategies Contents 3 Whole life insurance: A versatile financial asset 4 Providing
TD Ameritrade Trust Company Collective Investment Funds for Employee Benefit Plans Managed Retirement Funds. Financial Reports May 31, 2015
TD Ameritrade Trust Company Collective Investment s for Employee Benefit Plans s Financial Reports May 31, 2015 Contents Independent Auditor s Report 1-2 Financial Statements Statements of Financial Condition
16. Individual Retirement Accounts
16. Individual Retirement Accounts Introduction Through enactment of the Employee Retirement Income Security Act of 1974 (ERISA), Congress established individual retirement accounts (IRAs) to provide workers
The IBM 401(k) Plus Plan. Invest today for what you hope to accomplish tomorrow
The IBM 401(k) Plus Plan Invest today for what you hope to accomplish tomorrow The IBM 401(k) Plus Plan Dollar-for-dollar company match, automatic company contributions, broad range of investment options
IRAs: Four Facts You Should Know
IRAs: Four Facts You Should Know Overview: The decision between contributing to a traditional 2007 IRA and a Roth IRA depends on many factors. The following discusses some of the key concepts to consider
Study of Retirement Income Account Allocations Among Equities, Bonds and Fixed Income Annuities
Study of Retirement Income Account Allocations Among Equities, Bonds and Fixed Income Annuities January 1, 1980 through December 31, 2006 November 2007 Retirement Income Income Management Strategies Division
THE POWER OF AN IRA.
THE POWER OF AN IRA. Put the Power of an IRA to Work For You Whether retirement seems like a lifetime away or is just around the corner, getting started on your retirement savings plan is one of the smartest
Life Insurance: Business Applications
Life Insurance: Business Applications What is business life insurance? Life insurance is an important part of a business. It may be used as a funding mechanism for your buy-sell agreement and as business
FRS & DROP Planning Basics Jeffrey A. Green Partner-Wealth Manager
FRS & DROP Planning Basics Jeffrey A. Green Partner-Wealth Manager Listen to Now You Know Sundays 9:00am-10:00am Securities and investment advisory services are offered solely through Ameritas Investment
SAMPLE Financial Needs Summary. Frank and Kathy Boomer
SAMPLE Financial Needs Summary Frank and Kathy Boomer Mission Viejo, California Prepared by: David M. Jones, MBA, CFP Select Portfolio Management, Inc. December 4, 2009 Table of Contents Disclaimer...
RETIREMENT ACCOUNTS (c) Gary R. Evans, 2006-2011, September 24, 2011. Alternative Retirement Financial Plans and Their Features
RETIREMENT ACCOUNTS (c) Gary R. Evans, 2006-2011, September 24, 2011. The various retirement investment accounts discussed in this document all offer the potential for healthy longterm returns with substantial
Preparing Your Savings for Retirement
Preparing Your Savings for Retirement The Retirement Income Series Part 1: Preparing Your Savings for Retirement Identify sources of income, including Social Security Assess the impact of future health
Tax Impact Series: Tax Planning 2015
Tax Impact Series: Avoid Manage Defer Tax Planning 2015 Keep More of What You Earn February 2015 www.amgfunds.com 800.368.4410 Not FDIC Insured May Lose Value Not Bank Guaranteed BR131-0215 Avoid Manage
Variable Annuities 101
WealthMark Advisory Services Philip Scholler President/CEO 5001 Horizons Drive Suite 201 Columbus, OH 43220 614-824-4352 phil@wealthmarkas.com www.wealthmarkas.com Inside Workbook: What Is a Variable Annuity?
The IRA Rollover. Making Sense Out of Your Retirement Plan Distribution
The IRA Rollover Making Sense Out of Your Retirement Plan Distribution Expecting a Distribution? You have been a participant in your employer s retirement plan for a number of years, and you have earned