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Financial Solutions



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The Year of Living Dangerously

Wed, 22 Nov 2017 14:21:27 GMT2017-11-22T14:21:27Z

"We're doing things differently here...Guys, I feel like you're not hearing me...What are they gonna do?" ...



I got a story to tell

Tue, 21 Nov 2017 14:26:40 GMT2017-11-21T14:26:40Z

"Blogposts?" she says. "What?" ...



Own the Robots Goes Global

Tue, 21 Nov 2017 13:06:24 GMT2017-11-21T13:06:24Z

Tech stocks are booming all over the world. ...



Gauging signs of an oil price slowdown

Tue, 21 Nov 2017 11:00:19 GMT2017-11-21T11:00:19Z

We see reasons to believe oil price gains will moderate. Richard explains.


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Time to trim, but not abandon gold

Mon, 20 Nov 2017 17:19:12 GMT2017-11-20T17:19:12Z

Gold has performed surprisingly well this year. Russ discusses why that might not be the case going forward, and it may be time to pare positions.


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A SIMPLE Kind of Plan

Mon, 20 Nov 2017 14:35:32 GMT2017-11-20T14:35:32Z

The SIMPLE Plan is a type of retirement account for small businesses that is simpler (ah hah!) to administer and more portable than the 401(k) plans that are more appopriate for larger businesses.  SIMPLE is an acronym (probably a backronym, more likely) which stands for Savings Incentive Match PLan for Employees. A SIMPLE typically is based on an IRA-type account, but could be based on a 401(k) plan. What we’ll cover here is the IRA-type of SIMPLE plan.  The difference (with the 401(k)-type) is that there are more restrictions on employer activities, and less room for error (as can be the case with 401(k) plans). A SIMPLE Kind of Plan Much like a regular 401(k) plan, a SIMPLE Plan is an agreement between the employer and employee where the employee agrees to a salary deferral.  This deferral effectively reduces the employee’s taxable take home pay, and the employer then contributes […]

The post A SIMPLE Kind of Plan appeared first on Getting Your Financial Ducks In A Row.




Hot Links: Robot Army

Mon, 20 Nov 2017 13:13:13 GMT2017-11-20T13:13:13Z

What I'm reading this morning ...



Rules of Thumb are Worthless

Mon, 20 Nov 2017 12:10:05 GMT2017-11-20T12:10:05Z

Rules of thumb, in the investment sphere, are at best worthless and at worst destructive for returns.  ...



What makes a successful fiduciary: relationship and service

Mon, 20 Nov 2017 11:00:51 GMT2017-11-20T11:00:51Z

A strong client relationship is important, but sometimes it is not enough. To be successful, other disciplines can’t be ignored. Our experts explain.


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This Week on TRB

Sat, 18 Nov 2017 13:20:41 GMT2017-11-18T13:20:41Z

These were the most read posts on the site this week, in case you missed it:...



Clips From Today’s Halftime Report

Fri, 17 Nov 2017 23:30:26 GMT2017-11-17T23:30:26Z

Stocks should finish higher into year-end: Tom Lee from CNBC. Deutsche Bank: momentum in Foot Locker can continue from CNBC. Square hits a new all-time high & other movers in the trader blitz from CNBC....



Ode To Joy

Fri, 17 Nov 2017 14:21:21 GMT2017-11-17T14:21:21Z

You millions, I embrace you. This kiss is for all the world!...



A Caregiving Guide for Clients and Advisors

Fri, 17 Nov 2017 13:00:47 GMT2017-11-17T13:00:47Z

Today’s post has a link to a paper on caregiving. Both clients and financial advisors may find the information beneficial to identify, and manage the stress of caregiving for a loved one needing long-term care. Your comments and feedback are welcome. Download the paper here – Managing the Stress of Caregiving – BFP

The post A Caregiving Guide for Clients and Advisors appeared first on Getting Your Financial Ducks In A Row.


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This holiday season, stuff your 401(k) as well as your turkey

Fri, 17 Nov 2017 11:00:35 GMT2017-11-17T11:00:35Z

It’s a good idea to take a look at your retirement plan during the holidays. Paul Mele explains in his inaugural blog post.


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Clips From Today’s Halftime REport

Thu, 16 Nov 2017 23:30:19 GMT2017-11-16T23:30:19Z

Bernstein: Limited near-term upside for Marriott from CNBC. Four Picks in Final Trades, including Smucker & Wal-Mart from CNBC....



Hot Links: The Very Big Beat

Thu, 16 Nov 2017 13:03:19 GMT2017-11-16T13:03:19Z

What I'm reading this morning ...



Seeing through the inflation noise

Wed, 15 Nov 2017 23:07:13 GMT2017-11-15T23:07:13Z

The Inflation GPS incorporates big data on price trends and a daily-updated “nowcast” of inflation-related statistics to give a read on where core inflation is headed in major economies. Jean explains.


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License Bonds – What are Industrial Bonds

Wed, 15 Nov 2017 23:01:00 GMT2017-11-15T23:01:00Z




The surprising way the bond market matters for stocks

Tue, 14 Nov 2017 11:00:51 GMT2017-11-14T11:00:51Z

Stocks are expensive by most measures. Russ discusses why the bond market can impact whether that can be sustained.


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Earnings and the equity outlook beyond the U.S.

Tue, 14 Nov 2017 11:00:32 GMT2017-11-14T11:00:32Z

We like stocks in Europe, Japan and emerging markets (EM) against a backdrop of surging corporate earnings and sustained global growth. Richard explains.


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Social Security Terms

Mon, 13 Nov 2017 14:31:00 GMT2017-11-13T14:31:00Z

Several unique Social Security terms are essential to understand when learning about possible benefits from the Social Security system.

The post Social Security Terms appeared first on Getting Your Financial Ducks In A Row.




Put your cash to work

Mon, 13 Nov 2017 11:00:03 GMT2017-11-13T11:00:03Z

There are good and bad reasons to hold cash in your portfolio, but it’s important to remember cash is not risk-free. Karen explains.


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Can the EM equity revival last?

Fri, 10 Nov 2017 17:47:14 GMT2017-11-10T17:47:14Z

Emerging market (EM) stock performance has impressed in 2017. Kate weighs in on whether the opportunity has passed or there’s still time for investors to get in on the action.


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Social Security Changes for 2018

Fri, 10 Nov 2017 13:00:49 GMT2017-11-10T13:00:49Z

In 2018, there will be some slight changes to Social Security. For individuals receiving benefits, there will be a cost of living (COLA) increase of 2 percent. While 2 percent may not seem like a lot, it certainly does help. Additionally, it’s better than nothing. That is, Social Security remains one of the few retirement vehicles available with a COLA. Many defined benefit pensions (if an individual is lucky to have one) do not have COLA increases. Their payments remain fixed for the retiree’s lifetime. Individuals still working will see the wage base subject to the OASDI tax of 6.2 percent increase from $127,200 for 2017 to $128,700 for 2018. As always, the Medicare tax of 1.45 percent remains on an unlimited amount of wages, with an additional .9 percent tax added for those with incomes above $200,000 (single) or $250,000 (MFJ). For individuals receiving benefits yet continuing to work, […]

The post Social Security Changes for 2018 appeared first on Getting Your Financial Ducks In A Row.




Weathering a moderately stronger U.S. dollar

Tue, 07 Nov 2017 15:48:06 GMT2017-11-07T15:48:06Z

We see a modestly higher U.S. dollar ahead. Richard explains why and what this means for investors.


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Social Security Bend Points Explained

Mon, 06 Nov 2017 14:00:14 GMT2017-11-06T14:00:14Z

How are bend points determined for Social Security benefits? It's a long history, but once you know how, it all makes sense.

The post Social Security Bend Points Explained appeared first on Getting Your Financial Ducks In A Row.




Recharacterizing

Mon, 30 Oct 2017 13:56:42 GMT2017-10-30T13:56:42Z

How much do you know about recharacterizing IRA contributions? I bet it's not enough to keep yourself out of trouble, if the need arises...

The post Recharacterizing appeared first on Getting Your Financial Ducks In A Row.




Determining Your MAGI

Mon, 30 Oct 2017 13:22:32 GMT2017-10-30T13:22:32Z

Do you know how to calculate your MAGI (Modified Adjusted Gross Income)? It's important to know when you're contributing to an IRA.

The post Determining Your MAGI appeared first on Getting Your Financial Ducks In A Row.




Remember Your RMD

Fri, 27 Oct 2017 12:00:52 GMT2017-10-27T12:00:52Z

It’s getting close to the end of the year and that means many individuals need to take their required minimum distributions (RMDs). It also means that there will be individuals who must begin taking their required minimum distributions as they will have reached the magic age of 70 ½. For those already taking RMDs, check with your advisor or asset custodian and find out the amount you need to take and how you can receive payments. In most cases, RMDs can be taken in an annual amount, or monthly via check or direct deposit. The specific RMD amount is based on the account balance as of December 31st the previous year and your age. You can use the RMD calculator found here to get an idea of your RMD amount. Additionally, be sure to account for any taxes you might owe. For 401k type plans, 20 percent will be withheld […]

The post Remember Your RMD appeared first on Getting Your Financial Ducks In A Row.




Your 401k and IRA in 2018

Sun, 22 Oct 2017 12:00:40 GMT2017-10-22T12:00:40Z

Recently, the IRS just announced the contribution limits for 401k plans (including 403b and 457 plans) as well as IRAs. Additionally, the IRS also announced changes to the income phase-outs for traditional IRA deductibility and Roth IRA eligibility. Let’s start with the 401k plans. For 2018, the IRS increased the contribution limits to $18,500, up $500 from $18,000 last year. The catch-up contribution for those age 50 or over remains unchanged at $6,000. $500 may not seem like much, but think of it this way – you get to give yourself a $500 raise! For those interested in maxing out their 401k plans in 2018, here’s the breakdown depending on whether you’re paid monthly, 24 weeks per year or 26 weeks per year. If you’re paid monthly, the contribution is $1,541.66. This brings you just eight cents under the $18,500 max annually. If you’re paid 24 weeks per year, then […]

The post Your 401k and IRA in 2018 appeared first on Getting Your Financial Ducks In A Row.




Remember Your RMD

Fri, 20 Oct 2017 12:00:52 GMT2017-10-20T12:00:52Z

It’s getting close to the end of the year and that means many individuals need to take their required minimum distributions (RMDs). It also means that there will be individuals who must begin taking their required minimum distributions as they will have reached the magic age of 70 ½. For those already taking RMDs, check with your advisor or asset custodian and find out the amount you need to take and how you can receive payments. In most cases, RMDs can be taken in an annual amount, or monthly via check or direct deposit. The specific RMD amount is based on the account balance as of December 31st the previous year and your age. You can use the RMD calculator found here to get an idea of your RMD amount. Additionally, be sure to account for any taxes you might owe. For 401k type plans, 20 percent will be withheld […]

The post Remember Your RMD appeared first on Getting Your Financial Ducks In A Row.