Jun
22
Tips for Retooling Your Portfolio
Like a closet that isn't reorganized from time to time, a portfolio that isn't reviewed regularly can leave you feeling like the pieces no longer fit. Last year, for example, stocks, as measured by the S&P 500 had annualized returns of 13.69%.1 U.S. investment grade bonds gained 5.97%, while international stocks declined -4.49%.1 Given this diverse composite of returns, a portfolio that began 2014 carefully allocated between stocks and bonds could now have shifted away from your intended asset allocation.2 Getting your portfolio back on track is critical because studies have confirmed that asset allocation is the single most important determinant of investment success. Restoring...
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Mar
20
The IRS Clarifies Rules on Rollovers of Retirement Plan Monies
After years of ambiguity around what is and is not allowed regarding the disbursement of after-tax contributions to an employer-sponsored retirement plan, the IRS ruled in September of 2014 that plan participants can roll those dollars into a Roth IRA tax free. IRS Notice 2014-54, Guidance on Allocation of After-Tax Amounts to Rollovers, "provides rules for allocating pretax and after-tax amounts among disbursements that are made to multiple destinations from a qualified plan."1 Importantly, the Notice states that all disbursements from a retirement plan made at the same time will be treated as a single distribution even if they are sent to multiple new accounts. Prior to this ruling, the IRS treated distributions from a retirement plan...
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May
15
Debt and 401k Retirement Savings
Debt and 401k Retirement Savings In a survey conducted by Nationwide Financial Services, 42 percent of those workers surveyed say they do not contribute to a 401k plan because they cannot afford it. This is an alarming number of you and this lack of retirement savings today will have an extremely negative impact on your standard of living during the "golden" years of retirement. If you are one of those workers who is not yet contributing to your 401k, you need to rethink your decision - yes, this also applies to those of you who are in their 20's and early 30's. Since debt continues to be the number one reason most workers don't participate in their 401k, we want to give you some simple tips on how to start funding your retirement...
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May
15
Long-Term Care: Realities and Planning Steps
Long-Term Care: Realities and Planning Steps Approximately 60% of Americans over the age of 65 will, at some point, require long-term care. This article offers tips to help finance the cost. Fact #1: Approximately 60% of Americans over the age of 65 will, at some point, require long-term care.1 For this and other reasons, more people are considering long-term care insurance. Maybe you should too. Fact #2: The average annual cost of a semi-private room in a nursing home is currently over $80,000 per year, with significant variations by state.2 Fact #3: Medicare doesn't cover long-term nursing home expenses. Medicaid will pay the cost, but to qualify you'll need to spend down your hard-earned assets. For these and other reasons, more...
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