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Yes, many retirees may die with significant assets. However, this helps to ensure that they have sufficient assets to support their lifestyle should they make it to age 100.
The annual drag of taxable account taxation may seem like a small amount, but the effect over long periods of time such as 30 years is significant.
These complex formulas help decide when highly appreciated investments should be sold and the proceeds put in a different investment philosophy.
Doing some conversion is usually much better than doing no conversion at all. We offer these four simple but effective strategies to calculate a good-enough conversion target for this year.
Given the purposeful complexity and limitations to structured products we suggest you avoid them.
All of these factors contribute to the low inclusion of people of color among those holding the CFP® certification.
Here are the most common elder scams and how to prevent them.
To help you get a good financial start as parents, here’s a financial checklist for new parents.
Even if the world was ending, I still want to have a mortgage.
In this talk, David demonstrates how Roth conversions can be extremely valuable even if a client is always in the same tax bracket.
Don’t delay getting your finances in order until you get your finances in order. Ask for help today and see what wisdom a financial advisor has to share.
By decoupling your standard of living from the size of your income, you have taken the first step toward financial freedom.
The worst cause of employer stress is the fact that there exist many financial salespeople who offer plans which benefit themselves at excessive cost to the employer and their employees.
By flowing money through a 529 account, a Virginia tax payer could receive a $575 discount on their private school tuition.
If you have a tax credit eligible charity where you like their work better than the state government, then consider redirecting your state tax to fund the charity instead.
The SECURE Act of 2019 changed several things, so here is an updated review of this complex subject.
If you have a charity among your heirs, there is the possibility for tax savings.
Not every custodian is willing to accept the complexity, but I am grateful that Schwab is.
While an efficient frontier graph cannot hand you a perfect asset allocation, it remains a useful tool in analyzing what the past can tell us about a wide variety of investments.
As fiduciaries, we are on your side to ensure that your goals are met. Protecting you from elder fraud is just one of the many services we can offer as a part of comprehensive financial planning.
I’m turning 60 this week. Even though I plan on working as long as possible, this is an important check point.
No matter how small your savings or when you start accumulating them, those small changes have large effects over time.
In these ways, rebalancing can be of great value to a long-term investor’s portfolio.
If you save this target, your assets have a better chance of seeing you all the way to the end.
In this article, I am reviewing the quantitative measurements and performance metrics of Freedom Investing to see how its risk and return compare to the EAFE Index, its benchmark.
After you have opened your account, there are many methods of contributing to or funding your Charles Schwab account. The best and easiest four methodologies are as follows.
Once you know how to file it, it is a simple and easy process.
These findings together demonstrate how Economic Freedom seems to have been a valid factor for higher expected returns than investing in the EAFE Index alone.
We strive to provide the necessary resources for anyone to prepare their own investment plan and meet their financial objectives for free on our blog, but we offer more services than that to our clients.
Sometimes, you don’t get a second chance to be brave.
If you have an accepting employer plan, you could consider rolling the pre-tax funds into your 401(k) this year while converting your nondeductible basis cleanly to a Roth IRA.
You don’t have to time the market to make money in the market. In fact, timing the market is usually a losers game as the market often pushes your emotions to do exactly the wrong thing.
Market returns are out of your control. These thirteen actions are in your control.
When family inheriting is not an option or you are not all that close with your relatives, sometimes it can be trickier to decide where to leave your estate.
A stability allocation has two purposes: to meet withdrawal needs and to move the portfolio more conservative (less risky) by dampening the volatility of stock returns.
Unfortunately, you must order cashiering envelopes directly from a Schwab agent. Here’s how you do it.
While you can only use $3,000 per year of capital losses to reduce your taxable income, you should bank as much capital loss as possible for other future uses.
The selection of what products we purchase or avoid for clients is based solely on what we believe gives our clients the best chance to meet their goals.
No matter how small your savings, those small changes have large effects over time.
Most of our regular use of items is habitual. Developing a mindset that uses less requires changing our habits.
There are at least seven major mistakes in this advice by Wells Fargo Asset Management.
To avoid a higher trading fee at Schwab, it is in your best interest to turn on paperless delivery for everything that you can.
Luckily, you can update your address online. Unfortunately, it is not as straightforward as the average investor suspects it will be.
Here are some of the best practices to protect your identity.
Schwab used to have a streamlined service for ordering more checks. Now as of 2019, they have outsourced their check ordering to a third party.
A low forward P/E suggests higher expected appreciation.
Here is a strategy that can both help you identify what you value and help you start your budget.
Anything which is not contributing toward your financial independence should be considered part of your lifestyle spending.
Setting aside some of the payment to cover future inflation is a prudent retirement planning practice.
“I may leave a list or other written statement expressing how I wish certain items of my tangible property to be distributed.” But how do I do that?