In this special report, we help you avoid common (and expensive) rollover mistakes and show you how you can use your 401(k) rollover as an opportunity to help your retirement preparations.
This document provides an overview of the holistic wealth management and financial planning services offered by Financial Synergies. They take a comprehensive approach to serving clients' financial needs, including growing and protecting investments, planning for retirement, reducing taxes, and designing company retirement plans. Their process involves discovery meetings, financial planning, developing an investment strategy, and ongoing review meetings. They provide unlimited support through emails, calls, and online resources. Financial Synergies acts as a fiduciary and aims to simplify clients' financial lives through coordinated wealth management.
Queensland Public Sector Discussion Group 20th October 2016 Presentation SlidesAlarka Phukan CPA, CMA
The document provides important information about the presentation and the organization providing it. It notes that the information is general in nature and shouldn't replace personal advice. It also discloses that the organization is ultimately owned by QSuper but is a separate legal entity responsible for the financial services it provides. The document wants to ensure readers understand certain details and limitations around the information.
Download our latest magazine inside, you’ll find an
array of articles about how we can help you further
to plan, grow, protect and preserve your wealth. As
we all know, the ultimate goal money can buy is
financial freedom
This document summarizes an investment service that claims to help users grow their wealth through intelligent investing in stocks. The service allows users to set up an automated investing account with a low 1% annual fee. It uses proprietary software and models to create personalized investment plans focused on selecting stocks of high-quality companies rather than funds. The service argues this approach can achieve superior long-term returns compared to traditional advisors and asset allocation strategies, while also reducing taxes and costs for users.
The document provides information on conducting a pension review and creating an action plan for a richer retirement. It outlines key questions to consider in the review, such as whether contributions are sufficient, financial needs, investment performance, and fees. The action plan section recommends assessing one's current situation, retirement goals, any gaps, and steps to take. Conducting regular reviews can help ensure a pension is on track to meet retirement income needs.
The document provides information about Ameriprise Financial and its services. It discusses Ameriprise Financial's history of helping clients through challenging economic times with a focus on goals and dreams. It also outlines four cornerstones of financial planning: liquidity, investment, protection, and tax planning.
This document provides an overview of financial planning services to help clients achieve their goals. It discusses the importance of addressing financial comfort, retirement planning, taxes, family needs, education, and legacy building. It then outlines a comprehensive wealth advisory process that includes discovery of client goals, analysis of their financial situation, development of a customized plan, implementation with a team of experts, and ongoing monitoring. The goal is to help clients gain confidence and security in their financial future by staying disciplined and focused on long-term objectives, rather than being swayed by short-term emotions in the markets.
Discover how to save more than $100,000 in 15 years or less with this step by step action plan to get your personal finances under control. Learn about saving, investing and budgeting. Learn how to pay down debt and stay out of debt, to increase your money-making efforts. If you've been struggling to earn more money, make the money you have go to work for you. http://amzn.to/1SIpgHz
This document provides an overview of the holistic wealth management and financial planning services offered by Financial Synergies. They take a comprehensive approach to serving clients' financial needs, including growing and protecting investments, planning for retirement, reducing taxes, and designing company retirement plans. Their process involves discovery meetings, financial planning, developing an investment strategy, and ongoing review meetings. They provide unlimited support through emails, calls, and online resources. Financial Synergies acts as a fiduciary and aims to simplify clients' financial lives through coordinated wealth management.
Queensland Public Sector Discussion Group 20th October 2016 Presentation SlidesAlarka Phukan CPA, CMA
The document provides important information about the presentation and the organization providing it. It notes that the information is general in nature and shouldn't replace personal advice. It also discloses that the organization is ultimately owned by QSuper but is a separate legal entity responsible for the financial services it provides. The document wants to ensure readers understand certain details and limitations around the information.
Download our latest magazine inside, you’ll find an
array of articles about how we can help you further
to plan, grow, protect and preserve your wealth. As
we all know, the ultimate goal money can buy is
financial freedom
This document summarizes an investment service that claims to help users grow their wealth through intelligent investing in stocks. The service allows users to set up an automated investing account with a low 1% annual fee. It uses proprietary software and models to create personalized investment plans focused on selecting stocks of high-quality companies rather than funds. The service argues this approach can achieve superior long-term returns compared to traditional advisors and asset allocation strategies, while also reducing taxes and costs for users.
The document provides information on conducting a pension review and creating an action plan for a richer retirement. It outlines key questions to consider in the review, such as whether contributions are sufficient, financial needs, investment performance, and fees. The action plan section recommends assessing one's current situation, retirement goals, any gaps, and steps to take. Conducting regular reviews can help ensure a pension is on track to meet retirement income needs.
The document provides information about Ameriprise Financial and its services. It discusses Ameriprise Financial's history of helping clients through challenging economic times with a focus on goals and dreams. It also outlines four cornerstones of financial planning: liquidity, investment, protection, and tax planning.
This document provides an overview of financial planning services to help clients achieve their goals. It discusses the importance of addressing financial comfort, retirement planning, taxes, family needs, education, and legacy building. It then outlines a comprehensive wealth advisory process that includes discovery of client goals, analysis of their financial situation, development of a customized plan, implementation with a team of experts, and ongoing monitoring. The goal is to help clients gain confidence and security in their financial future by staying disciplined and focused on long-term objectives, rather than being swayed by short-term emotions in the markets.
Discover how to save more than $100,000 in 15 years or less with this step by step action plan to get your personal finances under control. Learn about saving, investing and budgeting. Learn how to pay down debt and stay out of debt, to increase your money-making efforts. If you've been struggling to earn more money, make the money you have go to work for you. http://amzn.to/1SIpgHz
Delaying retirement by a few years could significantly improve one's retirement lifestyle by providing more time to save and earn returns on investments, as well as increasing Social Security benefits. The document provides examples showing how retirement income and portfolio values increase by waiting until ages 64, 67, or 70 to retire rather than at 62. It also discusses factors like taxes, investment types and accounts, risk tolerance, and creating a long-term retirement strategy.
Financial Advice Provided By Financial WisdomStefan Rose
Financial advice can help Australians afford their dreams by developing a clear financial plan to reach their goals. Seeing a financial adviser keeps people up to date on changing laws and regulations, and provides them with objective expertise and strategies to grow their wealth, protect themselves and their families, and prepare for retirement. Financial Wisdom advisers develop tailored plans and provide ongoing guidance to help clients take control of their financial future.
The document outlines 8 steps to financial success: 1) Set goals; 2) Understand risk; 3) Leverage the power of compound returns over time; 4) Invest early and often; 5) Increase savings when income increases; 6) Stay focused on long-term investing rather than trying to time the market; 7) Have adequate life insurance; 8) Use a professional wealth manager for their expertise, resources, and help achieving financial goals. It provides examples and formulas to illustrate concepts like compound returns and how much to save monthly to reach savings targets. The document encourages long-term investing for growth and using a wealth management firm for guidance.
Variable annuities and mutual funds are long-term investment vehicles designed for retirement. Variable annuities offer tax-deferred growth and death benefits while mutual funds allow for more flexibility but do not provide the same tax benefits. Both have associated fees that impact returns. Retirement planning should consider factors like longer lifespans, inflation, and rising healthcare costs to ensure adequate savings.
The following information is for TRAINING purposes ONLY.
The following information DOES NOT
Illustrate the actual performance that may be experienced by an individual investor.
The actual investment performance of any individual investment account
will be higher or lower than this illustration.
Your personal investment risk tolerance and all aspects of any investment, to include fees, should be carefully considered before making any actual investment.
The past performance of any investment is NO guarantee of future performance.
The Following Presentation is for training purposes ONLY and is not to be used with the General Public.
Use ONLY Client APPROVES Presentations With the General Public
This document discusses various retirement planning strategies using your business. It begins by asking how much readers think retirement will cost and lists common estimates. It then outlines an agenda to cover accumulating money pre-tax and after-tax, different plan types, taxation of retirement income, and combining plans. The document discusses strategies like qualified plans, IRAs, annuities, and life insurance to save both pre-tax and after-tax. It emphasizes the benefits of tax-deferred growth and argues readers should diversify their strategies between taxable, pre-tax, tax-deferred, and tax-free approaches. The document suggests meeting to review the reader's goals, existing plans, and make recommendations to help achieve their retirement objectives.
Smart money november december_2013 issue_singles_perOliver Taylor
This document is a magazine that provides financial advice to help readers make more of their money. The main articles discuss:
1) Giving grandchildren pensions as gifts that provide tax benefits and set them up for retirement.
2) The importance of reviewing one's long-term pension investment strategy and considering different options like income drawdown to maximize funds for retirement.
3) Writing a will as a new year's resolution to ensure one's estate goes to loved ones and avoids unnecessary taxes.
This document provides a checklist of important financial items to review at the end of the year. It includes 7 key categories: taxes, milestones, health, investments, changes, retirement, and family. For each category, it lists several specific items that may need to be examined, updated, or discussed with a financial advisor to improve one's financial plan for the current and following year.
The document provides an overview of core financial concepts for charting one's financial future, including building wealth, proper protection, debt management, emergency savings, cash flow management, and preserving wealth. It discusses strategies for retirement planning like the traditional three-legged stool model of pensions, Social Security, and personal savings being replaced by personal responsibility. Examples show how investment returns and starting early can significantly impact savings outcomes over time. The importance of protecting against losses through diversification is also covered. The document is produced by World Financial Group to help clients, potential clients, and associates understand fundamental financial principles.
The document discusses tax efficiency strategies for investors. It explains that there are three major strategies: 1) Managing Taxes by choosing investments that generate the least taxable income and placing them in tax-advantaged accounts, 2) Deferring Taxes by using retirement accounts that allow taxes to be paid later, and 3) Reducing Taxes by using certain accounts and investments that generate income with little to no taxes. It stresses that understanding the complex tax code, choosing the right investments and accounts, and working with a financial professional can help investors maximize their returns and minimize their tax burden.
David Kujawa outlines a 4 step process for understanding retirement plans: 1) Determine the overall goal and objective for having a retirement plan. 2) Understand the risks of an improperly designed plan. 3) Assemble a team of advisors to help build and manage the plan. 4) Conduct regular reviews and adjustments to enhance the plan over time. He emphasizes the importance of having a clear goal and working with fiduciary advisors to ensure the plan is designed and managed appropriately.
To paraphrase Dickens, there’s a lot of controversy today about whether we live in the best of times or worst of times concerning retirement. On the one hand, many Americans generally have some kind of retirement support, if you include Social Security, Medicare, private and public pension plans, and the many types of pre-tax retirement plans, such as IRAs and 401(k)s.
On the other hand, demographic and economic forces are making retirement itself a much bigger challenge, primarily because people live longer now. That means you need to work and save enough today to somehow pay for later without employment — a tall order. And recent market upheavals have demonstrated that you may not be able to rely on the stock market in the short term to pay the bill.
This presentation will introduce you to strategies that could help you to potentially build a bigger nest-egg during your working years, make it last longer in retirement, and even pass on more to your heirs.
Because, after all, retirement should be a time to finally relax, stop worrying and enjoy life. But you can’t escape the daily grind until you are financially independent, which in the end is what retirement is all about. So bottom line, let’s talk about working toward financial independence.
The document outlines 7 common mistakes that investors make: 1) Not having an investment plan, 2) Having too short of a time horizon, 3) Paying too much attention to financial media, 4) Not rebalancing a portfolio, 5) Having overconfidence in managers' abilities, 6) Not enough indexing of investments, and 7) Chasing past performance. The solutions proposed are to have an investment plan, focus on long-term goals rather than short-term fluctuations, ignore most financial news, regularly rebalance a portfolio, recognize that most managers underperform, index most investments, and stick to a plan rather than chasing trends.
John Smith, a financial advisor, provides information about converting traditional IRAs to Roth IRAs. Key points include: everyone is now eligible to convert regardless of income; converted amounts can be reported over two years to reduce taxes; Roth IRAs offer tax-free growth and withdrawals in retirement. An example shows how converting $60,000 for a 28% taxpayer could provide tax-free growth over decades. Strategies discussed include converting small amounts over multiple years or using recharacterization if taxes are too high.
1) Some common retirement planning mistakes include leaving work too early and underestimating medical expenses and longevity. This can result in not having enough savings to last through a potentially long retirement.
2) Other mistakes are withdrawing too much from savings each year, ignoring tax efficiency and fees, and avoiding market risk which can limit investment growth.
3) Additional mistakes are retiring with debts, prioritizing education costs over retirement savings, and lacking a retirement investment strategy. Developing a comprehensive plan can help avoid many of these issues.
The document provides an overview of financial planning topics including calculating net worth and cash flow, types of insurance, investing basics like diversification and dollar cost averaging, tax planning strategies, sources of retirement income, estate planning documents, and next steps for getting started with financial planning. The advisor, Kamal Wadhwa, offers these services through Ameriprise Financial in New Orleans to help clients chart a path to their financial future.
1. The document discusses critical investor mistakes such as failing to establish an investment strategy, not devoting enough time to learning and research, and not diversifying assets.
2. It provides data showing that while stocks have averaged higher returns than inflation over the long run, individual investors have not achieved the same returns due to poor timing of investments and emotional reactions to market fluctuations.
3. The presentation emphasizes the importance of risk management, adapting portfolios to changing market conditions, diversifying across asset classes and investment styles, and working with a financial advisor.
The document discusses various topics related to retirement planning and pensions. It provides advice on assessing whether you will be able to afford your desired retirement lifestyle, consolidating separate pension pots into one for simplicity, and having more choice over how you can access your pension savings following rule changes. The articles aim to help readers make informed decisions about funding their retirement and taking advantage of new freedoms over pension income options.
This retirement report provides an overview of Mr. and Mrs. Smith's current financial position as they prepare for retirement. It finds that they have $729,071 in net worth but will need $664,621 in additional savings to cover expected retirement costs. The report recommends investing more in tax-deferred accounts, paying down debt, and adjusting retirement plans based on current market conditions like low bond yields and rising healthcare costs. It aims to help the Smiths achieve a secure and comfortable retirement.
How do you know when you're ready to retire? How much money do you need to have saved? We offer some tips in this presentation from CTS Financial Group.
This document discusses various topics related to pensions and retirement planning. It includes the following articles:
1. Getting your pension in shape to enjoy the kind of lifestyle you want in later life. It discusses factors to consider like income needs, assessing pension pot size needed, and annual contribution limits.
2. The investment company growth story of the decade. It notes that investment companies were some of the earliest collective investment vehicles, and over a third of the sector now invests in alternative assets like infrastructure funds.
3. What are the income options for your pension? It outlines the increased flexibility and choice individuals now have in how and when they can access pension savings following rule changes in 2015.
Delaying retirement by a few years could significantly improve one's retirement lifestyle by providing more time to save and earn returns on investments, as well as increasing Social Security benefits. The document provides examples showing how retirement income and portfolio values increase by waiting until ages 64, 67, or 70 to retire rather than at 62. It also discusses factors like taxes, investment types and accounts, risk tolerance, and creating a long-term retirement strategy.
Financial Advice Provided By Financial WisdomStefan Rose
Financial advice can help Australians afford their dreams by developing a clear financial plan to reach their goals. Seeing a financial adviser keeps people up to date on changing laws and regulations, and provides them with objective expertise and strategies to grow their wealth, protect themselves and their families, and prepare for retirement. Financial Wisdom advisers develop tailored plans and provide ongoing guidance to help clients take control of their financial future.
The document outlines 8 steps to financial success: 1) Set goals; 2) Understand risk; 3) Leverage the power of compound returns over time; 4) Invest early and often; 5) Increase savings when income increases; 6) Stay focused on long-term investing rather than trying to time the market; 7) Have adequate life insurance; 8) Use a professional wealth manager for their expertise, resources, and help achieving financial goals. It provides examples and formulas to illustrate concepts like compound returns and how much to save monthly to reach savings targets. The document encourages long-term investing for growth and using a wealth management firm for guidance.
Variable annuities and mutual funds are long-term investment vehicles designed for retirement. Variable annuities offer tax-deferred growth and death benefits while mutual funds allow for more flexibility but do not provide the same tax benefits. Both have associated fees that impact returns. Retirement planning should consider factors like longer lifespans, inflation, and rising healthcare costs to ensure adequate savings.
The following information is for TRAINING purposes ONLY.
The following information DOES NOT
Illustrate the actual performance that may be experienced by an individual investor.
The actual investment performance of any individual investment account
will be higher or lower than this illustration.
Your personal investment risk tolerance and all aspects of any investment, to include fees, should be carefully considered before making any actual investment.
The past performance of any investment is NO guarantee of future performance.
The Following Presentation is for training purposes ONLY and is not to be used with the General Public.
Use ONLY Client APPROVES Presentations With the General Public
This document discusses various retirement planning strategies using your business. It begins by asking how much readers think retirement will cost and lists common estimates. It then outlines an agenda to cover accumulating money pre-tax and after-tax, different plan types, taxation of retirement income, and combining plans. The document discusses strategies like qualified plans, IRAs, annuities, and life insurance to save both pre-tax and after-tax. It emphasizes the benefits of tax-deferred growth and argues readers should diversify their strategies between taxable, pre-tax, tax-deferred, and tax-free approaches. The document suggests meeting to review the reader's goals, existing plans, and make recommendations to help achieve their retirement objectives.
Smart money november december_2013 issue_singles_perOliver Taylor
This document is a magazine that provides financial advice to help readers make more of their money. The main articles discuss:
1) Giving grandchildren pensions as gifts that provide tax benefits and set them up for retirement.
2) The importance of reviewing one's long-term pension investment strategy and considering different options like income drawdown to maximize funds for retirement.
3) Writing a will as a new year's resolution to ensure one's estate goes to loved ones and avoids unnecessary taxes.
This document provides a checklist of important financial items to review at the end of the year. It includes 7 key categories: taxes, milestones, health, investments, changes, retirement, and family. For each category, it lists several specific items that may need to be examined, updated, or discussed with a financial advisor to improve one's financial plan for the current and following year.
The document provides an overview of core financial concepts for charting one's financial future, including building wealth, proper protection, debt management, emergency savings, cash flow management, and preserving wealth. It discusses strategies for retirement planning like the traditional three-legged stool model of pensions, Social Security, and personal savings being replaced by personal responsibility. Examples show how investment returns and starting early can significantly impact savings outcomes over time. The importance of protecting against losses through diversification is also covered. The document is produced by World Financial Group to help clients, potential clients, and associates understand fundamental financial principles.
The document discusses tax efficiency strategies for investors. It explains that there are three major strategies: 1) Managing Taxes by choosing investments that generate the least taxable income and placing them in tax-advantaged accounts, 2) Deferring Taxes by using retirement accounts that allow taxes to be paid later, and 3) Reducing Taxes by using certain accounts and investments that generate income with little to no taxes. It stresses that understanding the complex tax code, choosing the right investments and accounts, and working with a financial professional can help investors maximize their returns and minimize their tax burden.
David Kujawa outlines a 4 step process for understanding retirement plans: 1) Determine the overall goal and objective for having a retirement plan. 2) Understand the risks of an improperly designed plan. 3) Assemble a team of advisors to help build and manage the plan. 4) Conduct regular reviews and adjustments to enhance the plan over time. He emphasizes the importance of having a clear goal and working with fiduciary advisors to ensure the plan is designed and managed appropriately.
To paraphrase Dickens, there’s a lot of controversy today about whether we live in the best of times or worst of times concerning retirement. On the one hand, many Americans generally have some kind of retirement support, if you include Social Security, Medicare, private and public pension plans, and the many types of pre-tax retirement plans, such as IRAs and 401(k)s.
On the other hand, demographic and economic forces are making retirement itself a much bigger challenge, primarily because people live longer now. That means you need to work and save enough today to somehow pay for later without employment — a tall order. And recent market upheavals have demonstrated that you may not be able to rely on the stock market in the short term to pay the bill.
This presentation will introduce you to strategies that could help you to potentially build a bigger nest-egg during your working years, make it last longer in retirement, and even pass on more to your heirs.
Because, after all, retirement should be a time to finally relax, stop worrying and enjoy life. But you can’t escape the daily grind until you are financially independent, which in the end is what retirement is all about. So bottom line, let’s talk about working toward financial independence.
The document outlines 7 common mistakes that investors make: 1) Not having an investment plan, 2) Having too short of a time horizon, 3) Paying too much attention to financial media, 4) Not rebalancing a portfolio, 5) Having overconfidence in managers' abilities, 6) Not enough indexing of investments, and 7) Chasing past performance. The solutions proposed are to have an investment plan, focus on long-term goals rather than short-term fluctuations, ignore most financial news, regularly rebalance a portfolio, recognize that most managers underperform, index most investments, and stick to a plan rather than chasing trends.
John Smith, a financial advisor, provides information about converting traditional IRAs to Roth IRAs. Key points include: everyone is now eligible to convert regardless of income; converted amounts can be reported over two years to reduce taxes; Roth IRAs offer tax-free growth and withdrawals in retirement. An example shows how converting $60,000 for a 28% taxpayer could provide tax-free growth over decades. Strategies discussed include converting small amounts over multiple years or using recharacterization if taxes are too high.
1) Some common retirement planning mistakes include leaving work too early and underestimating medical expenses and longevity. This can result in not having enough savings to last through a potentially long retirement.
2) Other mistakes are withdrawing too much from savings each year, ignoring tax efficiency and fees, and avoiding market risk which can limit investment growth.
3) Additional mistakes are retiring with debts, prioritizing education costs over retirement savings, and lacking a retirement investment strategy. Developing a comprehensive plan can help avoid many of these issues.
The document provides an overview of financial planning topics including calculating net worth and cash flow, types of insurance, investing basics like diversification and dollar cost averaging, tax planning strategies, sources of retirement income, estate planning documents, and next steps for getting started with financial planning. The advisor, Kamal Wadhwa, offers these services through Ameriprise Financial in New Orleans to help clients chart a path to their financial future.
1. The document discusses critical investor mistakes such as failing to establish an investment strategy, not devoting enough time to learning and research, and not diversifying assets.
2. It provides data showing that while stocks have averaged higher returns than inflation over the long run, individual investors have not achieved the same returns due to poor timing of investments and emotional reactions to market fluctuations.
3. The presentation emphasizes the importance of risk management, adapting portfolios to changing market conditions, diversifying across asset classes and investment styles, and working with a financial advisor.
The document discusses various topics related to retirement planning and pensions. It provides advice on assessing whether you will be able to afford your desired retirement lifestyle, consolidating separate pension pots into one for simplicity, and having more choice over how you can access your pension savings following rule changes. The articles aim to help readers make informed decisions about funding their retirement and taking advantage of new freedoms over pension income options.
This retirement report provides an overview of Mr. and Mrs. Smith's current financial position as they prepare for retirement. It finds that they have $729,071 in net worth but will need $664,621 in additional savings to cover expected retirement costs. The report recommends investing more in tax-deferred accounts, paying down debt, and adjusting retirement plans based on current market conditions like low bond yields and rising healthcare costs. It aims to help the Smiths achieve a secure and comfortable retirement.
How do you know when you're ready to retire? How much money do you need to have saved? We offer some tips in this presentation from CTS Financial Group.
This document discusses various topics related to pensions and retirement planning. It includes the following articles:
1. Getting your pension in shape to enjoy the kind of lifestyle you want in later life. It discusses factors to consider like income needs, assessing pension pot size needed, and annual contribution limits.
2. The investment company growth story of the decade. It notes that investment companies were some of the earliest collective investment vehicles, and over a third of the sector now invests in alternative assets like infrastructure funds.
3. What are the income options for your pension? It outlines the increased flexibility and choice individuals now have in how and when they can access pension savings following rule changes in 2015.
The document provides information about The Legend Group, which is an investment services provider offering retirement planning, education savings, insurance, and portfolio management solutions. It details the company's history of providing quality investment solutions for nearly 50 years. Clients work with financial professionals to develop customized plans for their specific goals.
This document provides an overview of the holistic wealth management and financial planning services offered by Financial Synergies. They take a comprehensive approach to serving clients' financial needs, including growing and protecting investments, planning for retirement, reducing taxes, and designing company retirement plans. Their process involves discovery meetings, financial planning, developing an investment strategy, and ongoing review meetings. They provide unlimited support through emails, calls, and online resources. Financial Synergies acts as a fiduciary and aims to simplify clients' financial lives through coordinated wealth management.
1) The document discusses achieving financial freedom through comprehensive financial planning that considers one's entire life situation and goals.
2) It describes the financial planning process as gathering information about assets, liabilities, income, expenses, insurance, investments, taxes, retirement, estate planning, and more to develop a customized strategy.
3) The financial advisor works with both individuals and business owners to create plans that achieve goals like security, freedom from financial stress, and a successful transition of wealth over the course of one's lifetime.
The Magic Of Lifetime Cash Flow Forecsatsbributcher
The document discusses lifetime cash flow forecasts and financial planning. It explains that cash flow forecasts can show a client's future income and expenses over their lifetime to determine if they will have enough money to support their desired lifestyle and retirement. The financial planner uses software to build forecasts that help clients understand how their financial decisions today will impact their future and determine if adjustments are needed. The planner aims to empower clients by helping them "see" their financial future and make informed decisions to achieve their goals and ensure their money lasts as long as possible.
1) The document outlines the steps for retirement planning which include identifying goals and expenses, inventorying assets and income sources, analyzing the likelihood of reaching goals, creating an action plan, and monitoring the plan.
2) It emphasizes prioritizing retirement objectives from most to least important and quantifying essential versus non-essential expenses.
3) Key retirement income sources like Social Security, pensions, and investments are discussed along with ensuring reliable income will cover minimum expenses and filling any gaps.
Independent Financial Services provides a "Your Future Direction Programme" to help clients achieve financial goals and peace of mind. They work with clients through a multi-step process: discovering clients' needs and situation; evaluating their current financial position; designing customized solutions; presenting recommendations; implementing plans; and reviewing plans periodically. The company charges fixed fees based on the value of the work rather than hourly rates. They have offices in Essington and Leamington Spa and serve a diverse range of clients.
The document provides information about conducting a pension review and creating an action plan for a richer retirement. It outlines key questions to consider as part of the pension review, such as contributions, financial needs, investment performance, and options at retirement. The action plan section then guides the reader through assessing their current financial situation, retirement goals, any gaps, and potential actions to close gaps and achieve retirement goals, such as changing investments or pension arrangements. The overall document aims to help readers evaluate if their current pension and savings are on track to meet their retirement income needs and identify actions to improve their prospects for a "richer retirement".
Starting Your Prudent Financial Plan outlines the importance of having a financial plan. It notes that without a plan, people experiment with their money without direction and end up buying unnecessary financial products. A financial plan provides a roadmap that can make achieving financial goals less stressful. It asks key questions about retirement savings, education funding, insurance needs, and net worth. Developing a financial plan involves setting goals, assessing one's current financial situation, and constructing a plan to fund goals while avoiding risks. The plan provides clarity on goals and savings needs as well as ensuring investments are efficient and help achieve financial security.
. A true financial advisor should be a well-educated, credentialed, experienced, financial professional who works on behalf of his clients as disputed to serving the interests of a financial institution
The document discusses risk profiling and determining a client's appropriate risk tolerance. It explains that risk profiling aims to identify the risk level required to meet investment objectives, risk capacity, and risk tolerance. It then outlines six risk profiles from conservative to very aggressive based on defensive vs growth asset allocations and time horizons. The final section provides 15 sample questions for financial advisors to ask clients to better understand their situation and needs to create tailored financial plans.
What You Should Know About Financial Planningmarcpico
This document provides information about financial planning, including what it is, its benefits, and the financial planning process. Financial planning is a process that helps people meet life goals like buying a home or saving for retirement through proper financial management. It involves gathering information, setting goals, examining one's financial situation, and creating a strategy. Financial planning provides direction and allows people to understand how financial decisions impact other areas. The financial planning process consists of six steps including establishing the client-planner relationship, gathering information and goals, analyzing the financial status, developing recommendations, implementing the plan, and monitoring progress.
Alpha Wealth is an independent financial advisory company based in Ireland. Their mission is to provide impartial financial advice and excellent customer service to individuals, families, and companies. They offer advice on savings and investments, financial planning, tax planning, insurance, pensions, retirement planning, business advice, and health insurance. The team of advisors at Alpha Wealth have over 50 years of combined experience in financial services.
This document provides guidance on creating a personal financial plan. It discusses why financial planning is important, how to get started with the planning process, and how to choose a financial planner. Specifically, a financial plan can help organize your finances, set goals, and make better financial decisions. The process involves gathering information, setting goals, developing recommendations, and monitoring progress. When choosing a planner, the document recommends selecting a CFP professional who is held to high standards of education, experience, ethics and fiduciary responsibility.
This document provides an overview of personal financial planning and how to get started. It discusses why financial planning is important, the benefits it provides, and the basic steps involved. It emphasizes the value of working with a Certified Financial Planner (CFP) who is held to high standards of education, experience and ethics. The document provides tips for choosing a financial planner, what to expect from the financial planning process, and questions to ask potential planners.
If you are between 25- 45 yrs. of Age,Working & Serious about achieving success in your Financial Future, here are some guidelines.......... which can help you.
This document provides guidance on creating a personal financial plan. It discusses why financial planning is important, how to get started with the process, and how to choose a financial planner. Specifically, creating a financial plan helps set goals, make smart financial decisions, and feel secure about your long-term finances. The process of financial planning involves gathering your financial information, setting goals, developing recommendations, and monitoring your progress. When choosing a planner, it is best to select one with CFP certification who is held to high ethical standards and can consider all aspects of personal finance.
Seminar: Gender Board Diversity through Ownership NetworksGRAPE
Seminar on gender diversity spillovers through ownership networks at FAME|GRAPE. Presenting novel research. Studies in economics and management using econometrics methods.
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OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.
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"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
1. 401(k) ACTION STEPS
in Order to Take Charge of Your Financial Life
HIGHLIGHTS
INCLUDE:
• Powerful information that
could potentially save you
thousands in taxes and fees.
• Tips to help put you one step
ahead in your retirement
preparations.
• Critical mistakes that cannot
be corrected (and how to
avoid them).
TO TAKE NOW
BRAVIASFINANCIAL
Plan Smart. Retire Right.
2. Roll Over Your 401(k)
to Access More
Investment Choices
(That Benefit YOU)
make customized strategies important to
situation. In contrast, IRAs can hold nearly any
investment strategies. By rolling over your 401k
savings into an IRA, you open up a universe of
investment options that you can use to build an
investment strategy that’s aligned with your long-
term goals.
HAVE YOU EVER
SWITCHED JOBS?
Research shows the average American employee
switches jobs 11 times before retiring.1
Job changes means many Americans have old
401(k) plans that may not be allocated properly to
help to prepare them for retirement.
Every time you change jobs, you need to make some
choices about what to do with your old 401(k) so
you have four basic options with any 401(k):
• You can leave the assets in the old employer’s
plan (if the plan permits it).
• You can roll the assets over into your new
employer’s plan (if one is available and the plan
permits it).
• You can roll the assets over into an Individual
Retirement Account (IRA).
• You can take a cash distribution (and deal with
the potential tax consequences).
help you avoid common
(andexpensive)rollovermistakes
you can use your 401(k) rollover as an opportunity to
help your retirement preparations.
3. Keep More of What You Earn by
Slashing Expenses
401(k)s and other workplace retirement accounts come with administrative fees
and expenses that may take a big bite out of your investment gains. IRAs have very
simple fee structures that make it easy to know exactly what you’re paying
for and why.
completely transparent about the costs and fees associated with any
investment we recommend. We don’t have sales quotas and are not tied to
that are best suited to their needs and long-term goals.
4. Don’t Be Tempted to
Cash Out!
When our clients come to us for guidance on rolling
over a 401(k) or other workplace retirement plan, we
generally recommend that they do a direct rollover
that transfers their assets from their old plan directly
being simple and not reportable to the IRS.
However, you also have the option to liquidate your old
plan and receive the money directly. While it can be tempting to
see your savings as a quick source of cash, cashing out can be a big
mistake that may cost you thousands in penalties and taxes as well
as prohibit you of years of future growth.
If instead you decide to take a distribution from your old plan or
you don’t roll the assets over within the 60-day window, you will
trigger IRS reporting and potentially saddle yourself with a big tax
bill.2
Taking a check from your old plan administrator will require
an automatic 20% withholding tax and be reported to the IRS.3
If
you delay moving the assets to your IRA account, you could miss
your 60-day window and be forced to pay penalties and taxes on
your entire distribution.
DO YOU OWN
COMPANY
STOCK IN
YOUR 401(K)?
CONSIDER
YOUR
OPTIONS.
If you roll over company stock
that has gained value over
time, you could be taxed on the
investment gains at your ordinary
income tax rate, which for some
can be over 40%! However, there
is a special tax strategy – called
net unrealized appreciation – that
may help you avoid a high tax
bill if you make the right moves
early on. It involves distributing
the company stock into a taxable
complimentary consultation to
learn about your options.
5. Take Control of Your
Financial Life
One of the best arguments in favor of rolling over your old
retirement plan is that it can help simplify your life. In
our experience, investors tend to lose track of accounts
that aren’t right in front of them. Life gets busy and
failing to modify your investment strategies to make
sure they keep up with your needs can undermine your
place can help ensure that your investment allocations
As an ex-employee dependent on the plan, you may not be able to make
changes to your investments, preventing you from adjusting your
Why Work with a
Financial Professional?
Moving your assets to an IRA can allow you to build a completely
knowing that you have a team of professionals continuously monitoring
your investments and keeping you on track.
when building customized strategies for your retirement. To take one
investment returns.
Research shows that taxes can weigh down
your taxable portfolio’s return as much
as 2% annually.4
By not taking taxes
into consideration, a hypothetical
$150,000 portfolio could lose nearly
$500,000 to taxes over 30 years.5
Tax-efficient investing
strategies can help you
keep more of your
gains and lower your
taxes each year.
WORRIED
ABOUT YOUR
FINANCIAL
FUTURE?
WE CAN HELP.
If you’re not sure where to start
to meet your retirement savings
goals, you’re not alone. Most
Americans are worried about
how to reach a comfortable
retirement in uncertain
economic times. At ,
on-one guidance for all of life’s
We can help you understand
and show you exactly what
you need to do to pursue your
6. Whether you’re leaving your job to pursue other opportunities or are on the wrong
side of the economic downturn, the transition can be a stressful experience. Discussing
can help you relax and explore all your options.
RESERVE YOUR FREE FINANCIAL
STRATEGY SESSION TODAY
situation and present you with strategies that make the most sense
WE’LL TEACH YOU:
• How to negotiate the best settlement or
compensation package.
• What you can do with company stock (that may
save you thousands on your tax bill).
•
(and what to do about them).
•
rollover.
• How to prevent job losses or money emergencies from
transitions. Please be assured this consultation will not be a sales
presentation in disguise; it consists of the best information our team
can provide within the span of a single meeting and will focus entirely
on you and your needs, without any sale recommendations.
We’ll also send you a free Peace of Mind
Checklist that can help you prepare for
being prepared for the unexpected.
To schedule your
no-obligation session,
at 800.570.0720.
What Should You Do Next?
7. Footnotes,
disclosures
and sources:
Bravias Financial is an indepedent financial advisory firm. Investment Advisory Services offered
through AlphaStar Capital Management, LLC., a SEC Registered Investment Advisor. AlphaStar
Capital Management LLC and Bravias Financial are independent entities. Insurance products and
services are offered through individually licensed and appointed agents in various jurisdictions.
All information is believed to be from reliable sources; however, we make no representation as to
its completeness or accuracy. Please consult your financial advisor for further information.
Opinions, estimates, forecasts and statements of financial market trends that are based on current
market conditions constitute our judgement and are subject to change without notice.
This material is for infrmation purposes only and is not intended as an offer or solicitation with respect
to the purchase or sale of any security.
Investing involves risk including the potential loss of principal. No investment strategy can guarantee
a profit or protect loss in periods of declining values.
Diversification cannot guarantee a profit or protect against loss in a declining market.
Opinions expressed are not intended as investment advice or to predict future performance.
Past performance does not guarantee future results.
Consult your financial professional before making any investment decision.
Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance.
All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. Please consult
Investment Advisor, and should not be construed as investment advice. Neither the named representative nor the named Broker dealer or
Investment Advisor gives tax or legal advice. All information is believed to be from reliable sources; however, we make no representation as to
1
http://www.bls.gov/news.release/pdf/nlsoy.pdf
2
3
http://www.irs.gov/Retirement-Plans/Plan-Participant,-Employee/Rollovers-of-Retirement-Plan-and-IRA-Distributions
4
http://individual.troweprice.com/retail/pages/retail/applications/investorMag/2014/march/take-note-cover-story/index.jsp
5
Calculation assumes initial investment of $150,000, a 7% compound annual return over 30 years with a 2% loss to taxes, and no contributions