Retirement Funding

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How to Prioritize: Retirement vs. College

How to Prioritize: Retirement vs. College

“How do I prioritize saving for my own retirement versus saving for my children’s college education?” The most fitting analogy is the message, “in the event of an emergency, please put on your oxygen mask before assisting others.” You very well might love the idea of...

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After Tax 401(k) vs. Roth IRA

After Tax 401(k) vs. Roth IRA

Be careful of accumulating funds in an after-tax 401k IF you can facilitate a “direct rollover” to a Roth IRA. Consider this example: This year, you contribute $10k to an “After-Tax 401k” and it grows to $11k at the end of the year.  At the end of the year, you might...

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The Financial Planning Experience

The Financial Planning Experience

“What does your process look like?” There is a “discovery” meeting.  We discuss the purpose of having a financial plan for your family and your goals. You provide us with data (statements, plan documents, spreadsheets, etc…). Jeff and I then go to “Mt. Financial...

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The 401k Decision

The 401k Decision

For many who have a 401k, they struggle to make the decision on whether to contribute to the Pre-Tax 401k or the Roth 401k. 🎯 The pre-tax 401k will lower your taxable income.  If you are in the top tax bracket today (37%) and pay 5% in state taxes, putting in the full...

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The Line In The Sand…

The Line In The Sand…

When you know what you own and why and where it fits into your financial picture, you make better decisions.  We believe that there are five different “buckets” of money or locations people can store money. The first bucket is our “emergency funds.”  We generally...

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If You Are Concerned About “X”, Do “Y”

If You Are Concerned About “X”, Do “Y”

If you are concerned about your health, you can evaluate your diet and exercise program.  If you are concerned about running out of money in retirement, you can consider transferring a portion of that risk by purchasing an annuity from an insurance company. When it...

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How Far Does $3 Million Go?

How Far Does $3 Million Go?

Let us assume two clients are retiring at age 60 and will take the standard deduction.  Both couples have $3 million at retirement.  Both couples want to take a 4% distribution rate. Both states have a 5% tax rate. 🎯Couple A:   The Avery’s The Avery’s retire with $3m...

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Deferred Comp Plans… Buyer Beware!

Deferred Comp Plans… Buyer Beware!

❌Distribution decisions are generally irrevocable When you begin contributing to a deferred compensation period, you will need to decide when you are going to ultimately receive the distributions.  For example, you might decide to receive the funds lump sum at...

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graphic 10 actions to take

10 Actions To Take 10 Years Before Retirement

In this paper we discuss 10 actions you should take to develop and deploy a successful long-term wealth plan. It will help you make decisions about your financial journey today and well into your retirement chapter.

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