Many clients assume that when retirement rolls around, they should draw cash from their taxable accounts first. Generally, this is a good idea—
but not always.
Retirement Income: Which Accounts to Tap First?Damon Roberts
Many clients assume that when retirement rolls around, they should draw
cash from their taxable accounts first. Generally, this is a good idea—
but not always.
Many clients assume that when retirement rolls around, they should draw
cash from their taxable accounts first. Generally, this is a good idea—
but not always.
Robert Feinholz: Retirement income which account to tap firstForman Bay LLC
Robert Feinholz: Retirement income which account to tap first.
Many clients assume that when retirement rolls around, they should draw cash from their taxable accounts first. Generally, this is a good idea— but not always.
This paper explores Charitable Remainder Trusts as a retirement strategy for real estate investors, and how to maximize its effectiveness. Using principles rooted in the Prosperity Economics Movement, a CRT can be a great choice without fear of disinheriting heirs.
Many clients assume that when retirement rolls around, they should draw
cash from their taxable accounts first. Generally, this is a good idea—
but not always.
Retirement Income: Which Accounts to Tap First?Damon Roberts
Many clients assume that when retirement rolls around, they should draw
cash from their taxable accounts first. Generally, this is a good idea—
but not always.
Many clients assume that when retirement rolls around, they should draw
cash from their taxable accounts first. Generally, this is a good idea—
but not always.
Robert Feinholz: Retirement income which account to tap firstForman Bay LLC
Robert Feinholz: Retirement income which account to tap first.
Many clients assume that when retirement rolls around, they should draw cash from their taxable accounts first. Generally, this is a good idea— but not always.
This paper explores Charitable Remainder Trusts as a retirement strategy for real estate investors, and how to maximize its effectiveness. Using principles rooted in the Prosperity Economics Movement, a CRT can be a great choice without fear of disinheriting heirs.
Many clients assume that when retirement rolls around, they should draw
cash from their taxable accounts first. Generally, this is a good idea—
but not always.
Why is real estate is the most popular investment in a self-directed IRA? The simple answer ... the endless options and a never-ending supply of assets.
Free ebook for you –– Real Estate IRAs Made Easy ––http://info.advantaira.com/real-estate-iras-made-easy
In this presentation, you will learn about self-directed real estate IRAs, the many types of property investment assets, how to buy real estate with your IRA using a self-directed plan, prohibited transactions to avoid, and much more great guidance. Advanta's goal is to educate and empower you to invest in what you know best.
Goodwill is the difference between the value of a business enterprise as a whole and the sum of the current fair values of its identifiable tangible and intangible net assets. Net assets are the assets that are left after subtracting the company’s liabilities. Goodwill is only recorded when its amount is substantiated by an arm’s-length transaction. Goodwill cannot be sold or acquired separately but has
to be included in a purchase with the net assets of a business enterprise
A journal is a record of transactions that shows the accounts and amounts of both the debit side and credit side of the entry. A General Journal is the primary journal or place to record transactions that do not fit into any other journal
Intangible assets are defined as those non-monetary assets of a company that cannot be seen, touched or physically measured, whereas with a tangible asset you can “stub your toe” on it
Why is real estate is the most popular investment in a self-directed IRA? The simple answer ... the endless options and a never-ending supply of assets.
Free ebook for you –– Real Estate IRAs Made Easy ––http://info.advantaira.com/real-estate-iras-made-easy
In this presentation, you will learn about self-directed real estate IRAs, the many types of property investment assets, how to buy real estate with your IRA using a self-directed plan, prohibited transactions to avoid, and much more great guidance. Advanta's goal is to educate and empower you to invest in what you know best.
Goodwill is the difference between the value of a business enterprise as a whole and the sum of the current fair values of its identifiable tangible and intangible net assets. Net assets are the assets that are left after subtracting the company’s liabilities. Goodwill is only recorded when its amount is substantiated by an arm’s-length transaction. Goodwill cannot be sold or acquired separately but has
to be included in a purchase with the net assets of a business enterprise
A journal is a record of transactions that shows the accounts and amounts of both the debit side and credit side of the entry. A General Journal is the primary journal or place to record transactions that do not fit into any other journal
Intangible assets are defined as those non-monetary assets of a company that cannot be seen, touched or physically measured, whereas with a tangible asset you can “stub your toe” on it
Situación de aprendizaje con base en los planteamientos de la didáctica crítica, considera los tres momentos empleados para organizar situaciones de aprendizaje.
Situación de aprendizaje con base en los planteamientos de la didáctica crítica, considera los tres momentos empleados para organizar situaciones de aprendizaje.
Cracking The Nest Egg: When Accumulation Becomes DistributionJGreene Financial
It's a big transition when clients leave the workforce to live off their savings. Moving from an accumulation to a distribution strategy requires an attitude adjustment in both you and your clients. Here are the issues to consider when time, compounding, and other conventional investment principles no longer work in your favor
Cracking the Nest Egg: When Accumulation Becomes DistributionForman Bay LLC
It’s a big transition when clients leave the workforce to live off their savings. Moving
from an accumulation to a distribution strategy requires an attitude adjustment in
both you and your clients. Here are the issues to consider when time, compounding,
and other conventional investment principles no longer work in your favor.
Tax advantaged Retirement accounts - Satori TradersBryan Post
To optimize our usage of tax advantaged Retirement accounts we need to understand the difference between tax-deferred and tax-exempt.
Tax-deferred Retirement accounts are funded with pre-tax income and taxes are paid on the money when it is withdrawn.
Tax-exempt Retirement accounts are funded with post-tax income and, because taxes have already been paid on the invested money, no taxes are due at withdrawal time. Capital gains inside a tax-exempt Retirement account are tax-free.
Guide to Earning Income from Corporate Bonds Asma Butt
Supercharging your savings and investments. WiseAlpha has published a guide to wealthbuilding from the institutional corporate bond asset class to help every day investors earn superior income. Until now, the banking market has prevented everyday investors who cannot afford £100,000 to £1,000,000 per single investment from accessing the institutional corporate bond market. This is where the biggest and most well-known companies issue their bonds. The focus of arranging banks is to provide these bond investments to pension funds, bond funds and banks. We believe the WiseAlpha marketplace is the only is the only one in the world that gives investors of all size the chance to build an institutional bond portfolio. Learn more in our free guide. Capital at risk. Invest via our Notes.
EAG offers estate planning solutions for the individual with assets that wish to transfer to their heirs while minimizing the effects of Estate Taxes. Estate Advisors Group offers options for planning Estates. Wills, Trusts, and a unique combination of both are covered! Minimize the Estate Taxes, Cash Out Options, Plan for the Future with EAG! Learn more at http://estateadvisors.blogspot.com/ or http://estateadvisor.wordpress.com
Also on YouTube: http://www.youtube.com/watch?v=Gbpa7zdW4eU
It’s good to understand Europe’s debt crisis and why it’s affecting
U.S. markets. Here’s an overview of how the European Union
operates, why the euro is in danger, and what the crisis could mean
to American investors.
The Art of Managing Retirement AssumptionsForman Bay LLC
A retirement plan is built on a set of assumptions that can't be validated until it's too late. One key to successful retirement planning is carefully setting assumptions and revising them often.
College tuition is so expensive that even high-income families can get offers of financial aid. Your first step is to complete the federal forms, and then contact the school directly to further negotiate a financial aid package.
A Workable Solution For Baby Boomers Nearing RetirementForman Bay LLC
Worried about having enough saved for retirement? Here's a simple approach: work just a few years longer. By accumulating more savings and shortening your withdrawal period, you'll reduce the lump sum needed to generate the necessary income at retirement
Robert Feinholz: The art of managing retirement assumptionsForman Bay LLC
Robert Feinholz: The art of managing retirement assumptions
A retirement plan is built on a set of assumptions that can’t be validated until it’s too late. One key to successful retirement planning is carefully setting assumptions and revising them often.
Robert Feinholz: Planning for a 30 year retirementForman Bay LLC
Robert Feinholz: Planning for a 30 year retirement.
Funding a 30-year retirement will take financial planning prowess as you juggle the effects of inflation, distributions, taxes, asset allocation, and expenditures. Are you up to the task?
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Card
Retirement Income: Which Accounts to Tap First?
1. ADVISOR/CLIENT EDUCATION BRIEF
Retirement Income: Which Accounts to Tap First?
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Many clients assume that when retirement rolls around, they should draw
cash from their taxable accounts first. Generally, this is a good idea—
but not always.
taxes for as long as possible. By investing money
rather than turning it over immediately to Uncle Robert Feinholz
Sam, your clients can earn returns that are theirs to President
keep; tax deferral becomes like a loan that actually
pays interest to the borrower. This is why IRA Foreman Bay LLC
rollovers are such a great idea—clients can keep 800-784-3525
deferring the taxes on their retirement distributions
and put that money to work in investments, rather rfeinholz@fbayassociates.com
than losing a chunk to current taxes. www.fbayassociates.com
For many, in fact, the idea of tax deferral is so
appealing that, when the time comes to start taking
retirement income, they draw from taxable accounts
first to keep tax-deferred accounts growing for as
long as possible. But while this strategy may be
appropriate for some clients, it’s by no means a rule
of thumb.
When deciding which retirement accounts a
client should tap first, you’ll need to consider
not just the character of the account itself—
taxable, tax-deferred, or tax-free—but also the
particular investments within each account. These
investments, in turn, relate to the client’s risk
tolerance, time horizon, and income needs.
Cash bucket
The first order of business is to create a cash bucket
that contains anywhere from two to five years of
living expenses in safe, liquid investments such as
money market funds, Treasury bills, short-term
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3. income in the taxable account, you will naturally
determine whether the income should be taxable
or tax-free depending on the client’s tax bracket
and investment objectives.
Save Roth for last
The argument in favor of siphoning money out
of an IRA account early doesn’t apply to the Roth
IRA because of one very important feature: no
required minimum distributions at age 70-1/2.
Since the client never has to pay the piper on Roth
money, he’ll definitely want to let it ride as long as
possible, even into the next generation.
One of the most important areas of retirement
counseling is helping the client decide if he can
or should convert to a Roth IRA. Once a Roth IRA
has been established, the only real reason to take
money out is if the client needs the income and has
no other resources.
Watch for legal and regulatory changes
Clients must always understand that your
recommendations are based on current laws,
which could change. The main consideration,
of course, is the client’s individual situation.
There’s no magic formula for planning retirement
income. You must take into account the client’s
income needs, tax situation, risk tolerance, life
expectancy, and estate planning needs, and
continue to work with the client throughout
retirement to ensure that all these needs are met.
(Note: the scenarios presented here are
hypothetical and the rates of return used are not
indicative of any actual investment, which will
fluctuate and may lose value.)
Elaine Floyd, CFP®, is the Director of Retirement
and Life Planning at Horsesmouth, where she
focuses on helping people understand the practical
and technical aspects of retirement income planning.
Horsesmouth is an independent organization
providing unique, unbiased insight into the most
critical issues facing financial advisors and their
clients. Horsesmouth was founded in 1996 and is
located in New York City.
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