Dave Ramsey Recently gave this advice regarding a TSP investors questions on the TSP versus the IRA: "I'd roll it to an IRA outside [of the TSP] - you can do better with open market mutual funds than the Thrift options give you." To see the rest of his thoughts visit the link below about the article. To watch my previous video on Dave Ramsey's thoughts on the TSP, visit here: https://youtu.be/nkJtG9vHfug Article: http://wp.me/p5Ljwd-35 -- ► Subscribe to My Channel Here: https://www.youtube.com/channel/UC8bWrSS2BdaQGtc1mq45Z6g?sub_confirmation=1 -- Cooper Mitchell helps federal employees better understand their benefits and helps them retire on their terms. Using financial planning and investment management through Cooper is able to tackle the issues that are unique to federal employees. Cooper is also a public speaker who is available for various federal conferences and events. Find Cooper here: Website: http://fedretirementplanning.com Work with Cooper: http://http://www.fedretirementplanning.com/work-with-cooper/ Facebook: https://www.facebook.com/fedretirementplanning/ Email: firstname.lastname@example.org -- As always, enjoy, and please subscribe! -- © Copyright Fed Retirement Planning 2016, All Rights Reserved
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What are thrift savings plan withdrawals – What is a thrift savings plan withdrawal? http://www.RetireSharp.com 1-800-566-1002. What are the best types of ways to take tsp withdrawals for retirement and learn how you can avoid the most common mistakes that individuals have made when looking to withdraw money from their tsp retirement accounts. Do you know exactly what the Thrift Savings Plan actually is? Also known as the TSP, the Thrift Savings Plan is the retirement savings plan provided by the U.S. government for federal employees and federal retirees as well as current and former members of the U.S. Uniformed Services. The Thrift Savings Plan is a tax-deferred defined plan of contribution. It is administered and controlled by the Federal Retirement Thrift Investment Board, an independent government agency established in 1986 for this purpose. The Thrift Savings Plan is very similar to a private sector 401k plan, in that it serves as an investment vehicle for an individual's retirement funds. These retirement funds are accumulated through participant contributions, agency contributions (if applicable), and earnings through the investment of contributed funds If you are wondering which civilian employees would be eligible for Thrift Savings Plan participation, they would be those employees that are covered by the Federal Employees Retirement Systems (FERS) or Civil Service Retirement System (CSRS). If you are one of these employees, this would mean that you are eligible, too. Every participant is eligible to benefit from tax deferred contributions; in-service financial hardship withdrawals from the age 59 and onwards; five available funds to invest in; the opportunity to transfer in monies from other eligible retirement savings account plans; favorable loan programs; and an option of choices in post-separation withdrawal. The Thrift Savings Plan is an excellent retirement savings benefit that federal employees and the military would be wise to take advantage of. Feel free to subscribe to our YouTube channel and receive instant access on different retirement related topics. Thanks for watching! Related Search terms: tsp withdrawals Thrift savings plan withdrawals fully explained Tsp withdrawal strategies Best thrift savings plan withdrawal techniques to make sure you can properly leverage your tsp account to meet your goals https://www.youtube.com/watch?v=u-zGZ5hMObA
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Ever heard of Income in Respect to Decedent? No? Do you have an IRA, 401k, TSP, 403b? Yes? Hmmmm....well let me introduce you to your new friend Mr. IRD. You'll get to know Mr. IRD quite well if you inherit an IRA or if you leave one to an heir. Why? Because IRD is the income tax you or your heirs will pay on the money they received from the IRA that was inherited. IRD is really nothing more than ordinary income tax on IRAs that a heir must pay. But for some reason a lot of folks overlook the HUGE tax consequence of leaving an IRA asset to an heir. Let me solve that dilemma for you right now Your heirs receive an IRA. Your heirs are likely to take a lump sum distribution. Your heirs will then be stuck with a HUGE tax bill in a few short months when they file their taxes. In fact, it gets even better because the distribution from the inherited IRA only serves to add to their taxable income and thus increase their tax bracket. So, if they were making 100k before and were married they were in the 12% bracket. Now, on a a $300k IRA distribution they are in the 32% bracket and effectively lose over a third of the IRA to the Feds. I wonder if that money could have been better used...by YOU??? ================================= GET ALL MY LATEST BLOGPOSTS: https://heritagewealthplanning.com If you like what you see, a thumbs up helps A LOT. It tells YouTube that people are engaged and so the Youtube algorithm will show the vide to others who may be interested in the content. So, give me a thumbs up, please! Don't forget to SUBSCRIBE by clicking here: https://www.youtube.com/channel/UCSEzy4i9xrKPoaU9z0_XbmA?sub_confirmation=1 Contact me: Josh@heritagewealthplanning.com GET MY BOOKS: Both are FREE to Kindle Unlimited Subscribers! The Tax Bomb In Your Retirement Accounts: How The Roth IRA Can Help You Avoid It https://amzn.to/2LHwQpt Strategic Money Planning: 8 Easy Ways To Put Your House In Order https://amzn.to/2wKGi50 PODCAST: https://itunes.apple.com/us/podcast/josh-scandlen-podcast/id1368065459?mt=2 http://heritagewealthplanning.com/category/podcasts/ LET'S SOCIALIZE! Facebook: http://Facebook.com/heritagewealthplanning Linkedin: https://www.linkedin.com/in/joshscandlen/ Quora: https://www.quora.com/profile/Josh-Scandlen Google +: https://plus.google.com/u/1/108893802372783791910
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Thrift Savings Plan Retirement – How to use your TSP retirement plan? 1-800-566-1002 http://www.RetireSharp.com . Understand the most efficient ways to leverage your thrift savings plans for a comfortable retirement income plan through tsp retirement rollovers. Avoid the most common mistakes that individuals make when using thrift savings retirement plans costing them thousands of dollars in retirement. Managing Your TSP Retirement Managing a retirement account is often the last thing anyone thinks of doing. And for those with a government TSP (Thrift Savings Plan) it is probably even further down the list. Although a TSP only contains five funds from which to choose, this very factor makes managing the account even more important. WHY, because there is less wiggle room. The opportunity for success is equally as dramatic as that of losing it all. A middle ground would be to divide your retirement money into each of the TSP funds equally. You won't seem dramatic growth, but you could end up with steady upward steps that should at least beat inflation. The challenge with such a basic diversified plan is that you may not generate enough money to live upon when you reach retirement. Since you are limited to no more than two trades per month in your TSP account, managing your retirement means: TSP funds are private and not traded on the regular stock market exchanges. This means you need to watch funds or ETFs that closely resemble your TSP funds. Once you know which symbols to watch, or you look at the performance via your TSP login, you can adjust your holdings to meet your objectives. You can focus on growth or safety or by diversifying amongst the funds you can weight your holdings towards your preference of growth or security. Various charting software, even free online software, can give you an indication of what is happening with each of your funds. Investment software based on technical analysis can take the basic information a step or two further and in seconds provide recommendations based not just on the movement of your funds but how they compare to each other and even to the stock market as a whole. This type analysis, dubbed relative strength, can lead you to the best performers at the current time and also tell you when to sell or switch funds. Selling, many investors forget, is the only way you actually make money. You have no gain, no profit, except on paper until you sell a fund. Switching from one fund into another locks in the profit gained from the first fund while giving you the opportunity to grow your money further with the fund that is now moving ahead with greater relative strength. Or, you may simply want to sell from the more 'growth' fund and transfer part or all of the money into a more stable but inflation beating fund to secure that money for the future. Regardless of how you go about handling your TSP retirement account, simply doing nothing and let it rest in the default fund will barely keep your money even with inflation (kind of like stuffing it in a coffee can for a future date) when prices for everything, yes everything will be higher. Taking a few minutes a week or a month can mean the difference between enjoying retirement or being stressed out with every bill that comes in the mail. Please make sure to subscribe to our YouTube channel for the most updated videos. Thanks for watching! Related search terms: Tsp What is a thrift savings plan What is tsp retirement? Thrift savings plan rollover Tsp retirement rollover to ira Tsp retirement explained How to use your thrift savings plan for retirement https://www.youtube.com/watch?v=Kg1uMzGm_iA
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What are transfers for TSP to IRA – What is a transfer TSP to IRA? 1-800-566-1002 http://www.RetireSharp.com . What are the best types of transfer of tsps to iras for retirement and learn how you can avoid the most common mistakes that individuals have made when looking to conducting a transfer of tsp to ira for retirement. Rolling Over Your Retirement Account to an IRA Before I begin here are some Traditional IRA Facts as of 2009/2010: - Tax deductible contributions of $5,000 ($6,000 age 50 and above) - AGI (Annual Gross Income) for deduction is: Single= Head of household is more than 55,000 but less than 66,000 and Married= 89,000 but less than 109,000 if filing joint - Withdraws begin at age 59 1/2 and are MANDATORY by 70 1/2 - Taxes are pain on earnings when withdrawn from IRA - Can purchase investments such as Stocks, Bonds, Mutual Funds, ETFs, CDs, Treasuries, etc. - Funds withdrawn prior to 59 1/2 are subject to a 10% penalty - With some exceptions such as purchasing a 1st home, educational expenses, and certain medical/disability expenses. Highly recommend AGAINST this unless it is VITAL. Sometimes the IRS will see this and may surprise you. Rolling over your retirement plan from a previous employer to a Traditional IRA (in case you are wondering, IRA stands for Individual Retirement Account) is very simple but if you don't do it correctly it will cost you! First the benefits on WHY you should roll the account over: 1) You can roll over your retirement plan to a traditional IRA REGARDLESS OF INCOME LIMITS! 1a. This is because the funds already in your account are "qualified". 2) You have MORE investment options: This is a big one! Traditionally you are only allowed to invest in mutual funds (as of writing this article, but there has been talks of adding ETF's which would be fantastic!). These mutual funds are chosen by the employer and the adviser/consultant who manages these assets. In a IRA you can choose between almost anything that you can traditionally invest in such as Stocks, Bonds, Mutual Funds, ETFs, CDs, Treasuries, etc. Think of an IRA as a regular brokerage account EXCEPT it has MAJOR tax benefits. 3) NO TAX EVENT will occur when you do this correctly! 3a. Will explain HOW to do this later in the article 4) You will have more control over your assets knowing it is secured in a place that you have access to instead of having the assets with the previous employer. 5) IRA's can be very easily put into an estate plan 6) You can continue contributing to your retirement account (as of the writing of this article: $5,000 max!). 7) If you already have an Rollover IRA, you can simply deposit it over to your current rollover IRA or open a new IRA and still contribute both IRAs (Again, max COMBINED is $5,000) 7a. Ex: Contribute IRA 1 with $2,000 and IRA 2 with $3,000 = $5,000 per year Now these benefits are great and just having more investable options is fantastic! Now there can be slight problems if you don't do this correctly so I have put in Scenarios with Solutions on HOW to rollover your previous employers retirement account to a Traditional IRA: Scenario 1= Avoiding 20% withholding: You leave (or were let go from) a previous employer and you have been smart enough to invest in your retirement plan. Now you have X amount of funds in your retirement plan. You request to withdrawal the account and figure out what you will do with the funds later. Because you did this YOU WILL HAVE TO PAY 20% TO THE IRS! Solution 1= "Direct" Rollover (also known as Trustee to Trustee rollover or transfer) The previous employer will have you fill out some paperwork (usually 1-2 pages with signatures, initials, and check boxes) to make sure it is a "Direct" rollover. They will then send you a check. The check will look more or less like "(Name of Financial Institution), for the benefit of (your full name)". This will show the IRS that you have no intentions of using the money and it will be deposited to a qualified retirement account. This will avoid a 20% withholding. HOWEVER, you will have 60 days to deposit the check (I highly recommend just having the check sent directly to the financial institution. This will avoid any complications that may occur). There are no "extensions" or holidays taken within those 60 days. If you fail to make that deposit, you will be paying federal taxes! Feel free to subscribe to our YouTube channel and receive instant access on different retirement related topics. Thanks for watching! Related Search terms: transfer tsp to ira annuities transfer tsp to ira income transfer tsp to ira explained transfer tsp to ira reviews transfer tsp to ira review What is the best fixed indexed transfer tsp to ira for retirement vs the top immediate income transfer tsp to ira for retirement https://www.youtube.com/watch?v=3Q6nMJ9J7no
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What is a 457b rollover – Are 457 rollovers any good? http://www.RetireSharp.com 1-800-566-1002. What are the best type of 457b rollovers for retirement and learn how you can avoid the most common mistakes that individuals have made when rolling over their 457b retirement accounts. Understanding the 457 Retirement Plan This is one of the non-qualified plans with tax deferment compensations and is similar to the typical 401K plans, as well as the common 403B plans. The 457-retirement plan has rules set by tax codes. The rules apply to non-cathedral and those that are under the nonqualified government employees comp plans with deferment options. Pension options comply with the rules as well. The plan gives employees' options to defer reimbursements or compensations taxes paid ahead of time on the payroll deductions. The deductibles must allow deferment on any state or federal taxes and applies until the employees' start to withdraw assets. The 457 plans include the ineligible and eligible plans. Eligible plans have limits set on the sum that is postponed and this amount is subject to promising tax action. The plans that offer larger rearrangement or deferment is the ineligible plans and these are intended for managerial or executives. Any yearly deferments cannot go beyond the smaller compensation (100%) of the employee or the applicable cash sum. In 2006, the sum could not reach more than $15000. Because of the changes in the cost of living, the applicable sum amount is currently adjusted, which incremental pay is at $500. In 2006, people age 50 were eligible for extra income decreases for contributions. Deferrals allotted were five thousand. The 457-retirement plan is available to those that qualify only. These plans are also called the Section 457. Anyone exempt from Federal taxes on income, as well as those in subdivisions, state, political subdivisions, instrumentalities, etc, may not qualify for the retirement plans. Some of the units within the government, include those that are exempt from taxes on income include academic, churches, and charitable organizations. Private foundations and hospitals, trade associates, labor unions, farmer corps, and fraternal orders are listed as well. Distributions taken from the plans have some aspects to reflect on. You can discuss these issues with your tax preparer or the applicant of your plans. Members of the plan have the option to rollover the distributions into individual retirement accounts or other qualifying plans that has the same rule structure. Applicants can rollover some of the 457 retirement plan also. You can roll the plan over into another retirement plan with the same value, i.e. another 457 plan without incurring any tax on income, or the sum you roll over. The plans have a few benefits. Some other of the benefits includes your ability to defer the greatest acceptable amount on the eligible plans. Employees can also defer any contributions allowed under plans. To learn more about the 457-retirement plan you can visit the Internet where you will find a wide selection of details posted. You have the option to enquiry information from the plan providers as well. This is where you will get your best information. Use the tools online to conduct a research and find a provider near you. Feel free to subscribe to our YouTube channel and receive instant access on different retirement related topics. Thanks for watching! Related Search terms: 457 b rollover strategies 457b rollover into ira 457 plan rollover to ira account 457b roll over retirement plans What is a 457 rollover? Best 457b rollover reviews for retirement income planning https://www.youtube.com/watch?v=1m18n9HMMLk
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Join the Fed Retirement Planning Community: http://www.fedretirementplanning.com/fed-retirement-planning-community/ Ever wondered how you can double the amount in your TSP? Here are three steps to increasing the amount substantially! -- ► Subscribe to My Channel Here https://www.youtube.com/channel/UC8bWrSS2BdaQGtc1mq45Z6g?sub_confirmation=1 -- Cooper Mitchell helps federal employees better understand their benefits and helps them retire on their terms. Using financial planning and investment management through Cooper is able to tackle the issues that are unique to federal employees. Cooper is also a public speaker who is available for various federal conferences and events. Find Cooper here: Website: http://fedretirementplanning.com Work with Cooper: http://http://www.fedretirementplanning.com/work-with-cooper/ Facebook: https://www.facebook.com/fedretirementplanning/ Email: email@example.com -- As always, enjoy, and please subscribe! -- © Copyright Fed Retirement Planning 2016, All Rights Reserved
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In Service Rollovers – What is an In Service Rollover http://www.RetireSharp.com 1-800-566-1002. What are in service rollover rules and how can you avoid the most common mistakes that individuals have made when trying an in service roll over to IRA? 401(k) Rollover to Your Retirement Wealth 401(k) rollover opportunities are becoming a common event in today's economy. Current layoffs, early retirement, and changing jobs are all times when contemplation of what to do with your 401(k) comes to the forefront. Any of these qualifying events are an opportunity to rollover your 401(k) to an IRA. Even if you are still with your current employer, you may still be able to do an in-service rollover. First, congratulate yourself for saving through your 401(k). If your employer matched your savings, your account probably grew at a nice pace and your nest egg may give you a sense of security. As social security benefits are in doubt, saving for retirement has become a significant goal. Your retirement plan is your financial destiny. Secure Your Retirement with a Rollover IRA Switching your job? Retiring? Congratulations! A window of opportunity opens for you with the Rollover Individual Retirement Account or Rollover IRA. In an era of corporate restructuring and outsourcing, Rollover IRA is among the most powerful means available for securing one's retirement. Yet, its potential to enlarge one's assets for the sunset years commonly remains under-appreciated. The Rollover IRA dramatically increases the range of choices available to you for investing your retirement savings. By offering investment choices hitherto unavailable in employer-sponsored plans such as 401k, 403b, or Section 457 plans, Rollover IRA provides you the means to have direct control of and more aggressively grow your nest egg. This article discusses the advantages of Rollover IRA over employer-sponsored retirement plans. So, if you are leaving your job and have accumulated assets in the employer-sponsored retirement plan, continue reading this article to learn about your options and more. Setting up the Rollover IRA Let's say you decide to move your retirement savings to a Rollover account with a mutual fund company. How do you make it happen? Contact the mutual fund company in which you wish to open an account and ask them to send you their Rollover IRA kit. Complete the form for opening the Rollover IRA account and mail it to the mutual fund company. Next, complete any forms required by the retirement plan administrator of your previous employer and request transfer of your assets into the Rollover IRA account. You have two choices for moving your retirement savings to your Rollover IRA account. One is to elect to have the money transferred directly from the employer-sponsored plan to the Rollover IRA account. This is called direct rollover. With the indirect rollover alternative, you take the distribution from the retirement plan and then deposit it in the Rollover IRA account. Unless exceptions apply, you have 60 days to deposit the distribution and qualify for tax-free rollover. Feel free to subscribe to our YouTube channel and receive instant access on different retirement related topics. Thanks for watching! Related Search terms: in service rollover age In service rollover tsp In service rollover 401k In service rollover 403b What is an in service rollover? In service rollovers to an ira retirement account https://www.youtube.com/watch?v=kBJDFddvh2M
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I really want you to sit back and think about it. Let’s say you have significant money in your IRA account. We will say $300K that you plan to leave to a son or daughter. Would you rather have your child pay the taxes right up front and end up with maybe $175K after taxes, or would you rather have that child use the $300K in such a way that it will generate during their lifetime, maybe $3M dollars? Can you visualize the difference that is going to make for your child’s life, for your grandchildren and maybe for many generations? It is remarkable what a difference a little bit of planning can make for the future. If you name a child the beneficiary, then they get to choose, and you have no choice. But if you choose to make the trust the beneficiary and set up an IRA sub-trust you can choose to help them much more than maybe they understand to start with.
Просмотров: 70 James F. Roberts
The Thrift Savings Plan (TSP) has rigid rules for accessing your money. A TSP beneficiary account requires full payment of taxes all at once in the given year. Safety and security is also something to consider for TSP accounts since they have been the target of major hacking in the past. Established in 2005, Kendall Capital Management (KCM) is a wealth management firm providing fiduciary financial planning and investment management advice to “Middle Class Millionaires” (individuals and families) with assets of more than $500,000 in the Washington D.C. Metropolitan area. To learn more about KCM, visit www.kendallcapital.com.
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What are IRA Rollovers – What is an ira rollover for retirement? http://www.RetireSharp.com 1-800-566-1002. What are the best types of ira rollovers for retirement and learn how you can avoid the most common mistakes that individuals make when looking to pursue a rollover into an ira retirement account. IRA Rollover Chart Rules In simple terms, a rollover is a method of moving money from one type of retirement plan to another. This can be done without paying taxes or penalties. There are two ways to complete a rollover: indirectly and directly. A direct IRA rollover allows you to move money from a current IRA plan or an employee sponsored retirement plan, such as a 401(k), to a new IRA retirement account. This type of rollover is the easiest and will not incur any taxes or penalties. An indirect rollover can be more complicated. With this type of rollover, you take the money from the initial retirement account and then deposit it into a new account. There are some drawbacks with this type of rollover. A direct rollover is the best option. The process is much faster than with an indirect rollover and you will not incur penalties. However, the only way to do a direct rollover is if you already have an IRA open. If you do not, you will have to opt for the indirect rollover and open a new IRA account to deposit the money into. Make sure this transaction is completed within the allowed 60 days. When you have made the decision to do a rollover, you must be aware of the rules associated with the rollover. For example, certain IRA accounts may not be rolled over to some types of accounts. You must know exactly what is allowed to perform a successful rollover and avoid paying additional taxes and penalties. Most people will choose to rollover their retirement accounts to a traditional IRA or a Roth IRA, provided you meet the eligibility requirements for a Roth IRA. This is the most common rollover method. If you currently have an IRA account, the process is fairly simple. A traditional IRA can be rolled over to a Roth IRA with no penalties. In addition, if you leave your current employer and have a 401(k) or 403(b) account, these can also be rolled over to the Roth IRA. If you do not currently have an open IRA account, you will need to open one to perform any type of rollover. A rollover is commonly used when you leave your place of employment and wish to continue saving for retirement. A 401(k) rollover to an IRA is allowed. You can take the money that is in your retirement plan at work and rollover the amount into an IRA to continue saving. Feel free to subscribe to our YouTube channel and receive instant access on different retirement related topics. Thanks for watching! Related Search terms: ira rollover for dummies Best ira rollover Ira roll over Ira rollovers fully explained How to understand the pros and cons of an ira rollover in minutes for you retirement planning needs https://www.youtube.com/watch?v=omj6A-yMTtI
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What are tsp in service withdrawals – What is a tsp in service withdrawal? 1-800-566-1002 http://www.RetireSharp.com . What are the best types of tsp in service withdrawals and learn how you can avoid the most common mistakes that individuals have made when looking to set up a tsp in service withdrawal. Accessing Your TSP Money Age Based Age 55 - If you leave government service in the calendar year that you turn age 55 or older, rather than 59.5, then you can access the funds in your TSP as a direct withdrawal and not incur the 10% tax penalty. The withdrawal you take in hand will still incur income taxes. Rolling over these funds to an IRA cause this temporary period of avoiding the 10% penalty to end and withdrawals from the IRA will carry the 10% penalty until age 59.5 Age 59.5 - This is the easy one. If you are still actively employed with the federal government and you are over the age of 59.5, meaning it is less than 6 months to your 60th birthday, than you are able to access your funds one time. This one time transaction may be a withdrawal directly to you or it may be a rollover to a traditional IRA in the marketplace. It may account for some of the money or all of the money. Your contributions through payroll will continue to go into your TSP balance. It will simply start from zero again if your one time transaction accounted for all the money previously there. This is TSP Form 75. Age 70.5 - If you have retired from federal service, but not rolled over your balance, distributed it as a taxable check, or turned it into a second annuity beyond FERS/CSRS then you will have to start taking taxable withdrawals from your TSP balance upon reaching age 70.5. Currently this is equal to 3.65% of the account balance and increases as a percentage of it over time. Monthly withdrawals Annuity - Upon retirement some choose to add a lifetime monthly annuity check on top of their FERS or CSRS pension and any Social Security to which they are entitled. This is done by electing an annuity with the TSP balance. For reference, this option is the one outlined on each statement of your account you receive that estimates the monthly check you would receive based on your age and the balance. Although this is not often done for its disadvantage of giving up control of the funds, there is no one right answer for all people. Also options can be chosen that assure a payment continues to a spouse, or a continuation of the payment for at least a fixed period of years occurs, among other options. Beneficiaries - A named beneficiary of a balance may contact TSP to discuss their options. If it has not already been annuitized a lump sum should be available. This lump sum then either goes to the beneficiary as a taxable check, or rolled over to an IRA, in the case of a spouse, or an inherited IRA in the case of a non-spouse. Another name for an inherited IRA is a beneficiary IRA or a stretch IRA. On all of these types of withdrawals or transactions you want to double check the form number and details on the form with TSP as well as your particular situation with them, and a tax accountant for anything involving taxes. Feel free to subscribe to our YouTube channel and receive instant access on different retirement related topics. Thanks for watching! Related Search terms: Tsp in service withdrawal pros and cons tsp in service withdrawal income tsp in service withdrawal explained tsp in service withdrawal reviews tsp in service withdrawal review What is the best fixed indexed tsp in service withdrawal vs the top immediate income tsp in service withdrawal for retirement https://www.youtube.com/watch?v=pflS1vtz3WU
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After breaking down the 8 best states for retired taxpayers I had to go the other direction and share what I believe are the most taxed states for retirees. Now please be advised, my list revolves first and foremost on property tax. Property tax is one area that can not be controlled or planned for. It simply is what it is. You live in a state with a 1% property tax and no homestead exemption you pay 1% of your home value to the state and/or county in property tax. Other than moving there is nothing you can do. The second concern is sales tax. Sales tax can be dealt with a bit differently than property tax. You can go over the line to buy goods in a state with no sales tax for instance. You can grow you own food to avoid sales tax. Etc. So there are things you can do to minimize, if not outright avoid sales tax. Lastly, is income tax. Income tax is MUCH less prevalant for retirees than most people think. Without question it is a concern, but first priority needs to be focusing on the first two mentioned above. Income tax can be worked around with smart planning techniques, maximizing Social Security, Roth conversions and asset location strategies too. But like most things, if you do nothing, you'll probably pay more. So, proactive tax planning is a must. Okay the 10 worst states for retirees. In no particular order by the way. 1. Connecticut - high income taxes. high property tax. high gas tax. moderate sales tax, but groceries are not taxed. Income over $20k tax rate is 5%. No much of a homestead exemption. Have to have income below $43k to qualify. Estate tax too. 2. Vermont - high income tax, high property tax, sales tax is moderately low. Groceries are exempt. high gas tax. Income needs to be below $47k to qualify for homestead exemption. Social Security partially taxed. 3. Illinois - High sales tax. high gas tax. #2 property tax. But income tax not nearly as bad as some other states. But property tax is bad, real bad. Not much of a homestead exemption either. 4. Wisconsin - 4th highest income tax. 4th highest property tax. Low sales tax though. Social Security not taxed. Gas tax is high. Taxable income over $30k and your marginal rate is a steep 6.27%. Basically no homestead exemption either. 5. Nebraska - middle sales and gas tax. Groceries exempt. Property tax in top 10 and Social Security is taxed as well as all other retirement income. Taxable income over $60k puts you at the 6.84% bracket. Not much homestead exemption. 6. Minnesota - Top 20 for income, sales and property tax. Social Security is partially taxed. Retirement income taxed. Not much of a homestead exemption. Taxable Income greater than $37k puts you in the 7.05% marginal rate. 7. Kansas - Sales tax #6 and Property tax is the 15 highest. Social Security mainly exempt. Taxable Income greater than $60k puts you in the 5.7% marginal rate No real homestead exemption. 8. Rhode Island -HIGH income tax... but just did recently add some nice exemptions as long as gross income is below $100k. High gas tax, high property tax, estate tax too. To get the homestead exemption you need income less than $30k. Sales tax not so high and groceries are exempt. 9. New Jersey - Highest property tax in the nation, by far. high income tax. Now high gas tax. sales tax moderate and groceries are exempt. 10. New York - Maybe worst in the nation. High income tax. High property tax. High sales tax. income greater than $23k puts you in a 5.25% bracket and quickly creeps up. ================================= If you like what you see, a thumbs up helps A LOT. So, give me a thumbs up, please! Don't forget to SUBSCRIBE by clicking here: https://www.youtube.com/channel/UCSEzy4i9xrKPoaU9z0_XbmA?sub_confirmation=1 Contact me: Josh@heritagewealthplanning.com GET MY BOOK: Strategic Money Planning: 8 Easy Ways To Put Your House In Order It's FREE if you're a Kindle Unlimited Subscriber! https://amzn.to/2wKGi50 GET ALL MY LATEST BLOGPOSTS: http://heritagewealthplanning.com/blog/ PODCAST: https://itunes.apple.com/us/podcast/josh-scandlen-podcast/id1368065459?mt=2 http://heritagewealthplanning.com/category/podcasts/ LET'S SOCIALIZE! Facebook: http://Facebook.com/heritagewealthplanning Linkedin: https://www.linkedin.com/in/joshscandlen/ Quora: https://www.quora.com/profile/Josh-Scandlen Google +: https://plus.google.com/u/1/108893802372783791910
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What are the best strategies for maximized monthly retirement income? 1-800-566-1002 http://www.RetireSharp.com . Become educated on the best possible retirement income strategies and obtain confidence when planning. Avoid the mistakes that individuals make every year costing those thousands of dollars and headaches when planning for their retirement income needs! Annuities in Your Retirement Income Planning Annuities have had a bad reputation for many years due to its complexity and fees. However, due to the economic climate changes, these types of retirement products are becoming more valuable to your retirement income planning than ever before! I am going to give you the good, the bad, and the ugly of annuities in order for you to make a better educated decision on which type of annuity to purchase for your retirement (income) portfolio. 1) General Annuity Features including their pros/cons 2) Types of Annuities including their pros/cons 3) Contract features within a annuity 4) Personal opinion on which annuity is right for you and when to purchase them Part 1. General Annuity Features including their pros/cons Annuities are offered by an insurance company rather than a brokerage firm. These types of products can be compared to a pension plan with the exception that annuities tend to go with inflation thereby giving you the upper hand. General annuities have many features that you should be familiar with. One of the most important benefits is it will pay you an income for life. In other words, your account will not be depleted and you will always receive an income off the amount you have put into the annuity and the percentage/dollar you will receive. This is guaranteed. So if you live to be 110, you will still be collecting from that annuity. The next benefit that all annuities include is that all interest earned are tax deferred. Because the IRS sees this as a retirement account it will be treated as such. Many people argue that they can get the same interest from a CD however CD's are FDIC insured which makes this product HEAVLY TAXED. For example: You invest $100,000 into a 30 year CD earning 3% with a tax bracket of 39%. In year 10 you have earned $119,882; year 20 = $143,719; year 30 = $172,294 after taxes. However in an annuity earning the same interest you would have earned the following respectfully $120,978; $149,173; $187,063. Now remember, you have earned more money and you have an income for life whereas your CD is paid to you in lump sum and you either reinvest or simply deposit the cash into a savings account in which the interest you earn in the savings will, again, have tax implications. Let's also remember that annuities tend to move with the rate of inflation (minimum) therefore not only do you have to pay taxes, you will be losing money if you are not earning the same or more than the CPI (Consumer Price Index= The measurement of inflation). All annuities have a death benefit just like an insurance policy. If you have invested in an annuity and the annuitant (those that will/are receiving the annuity pay) has an untimely death, the assets will be transferred to the beneficiary that was listed on the annuity. This is ideal for estate planning since the proceeds with pass directly to the beneficiary without delay, expense, and probate! Unlike a 401k and IRA (Individual Retirement Accounts) that can be depleted and has a contribution limits, there are also no contribution limits for annuities. You can easily deposit large sums of money to an annuity without any concerns. Some insurers have high contribution limits in which you just open another annuity and continue adding to your retirement portfolio. Either way, there is no limit. Annuities have a variety of payment options to you including the following: - Annuitization (I hate this technique) - Lump sum distribution (one- time payment) - Periodic distributions (per month, quarterly, yearly, etc.) - Systematic Distributions (a fixed or variable amount sent to you on regular intervals) -lifetime income rider (I highly recommend only using this route, so you do not lose control of your money) Please make sure to subscribe to our YouTube channel for the most updated videos. Thanks for watching! Related search terms: How to maximize average retirement income Average retirement income needed How much income to take for retirement Average retirement income increase strategies Max retirement income techniques https://www.youtube.com/watch?v=i9tVITvCneo
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We provide benefit and retirement education to federal employees. Retirement Benefits Institute has trained over thousands of federal employees making it possible for many of these individuals to obtain personal consultation, assisting them in specific federal benefit planning to maximize their assets.
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Thrift Savings Plan forms – How to use your TSP forms for a retirement plan? 1-800-566-1002 http://www.RetireSharp.com . Understand the most efficient ways to leverage your thrift savings plan forms for a comfortable retirement income plan through tsp retirement rollovers. Avoid the most common mistakes that individuals make when using thrift savings form retirement plans costing them thousands of dollars in retirement. Managing Your TSP Forms Retirement Managing a retirement account is often the last thing anyone thinks of doing. And for those with a government TSP (Thrift Savings Plan) matching it is probably even further down the list. Although a TSP only contains five funds from which to choose, this very factor makes managing the account even more important. WHY, because there is less wiggle room. The opportunity for success is equally as dramatic as that of losing it all. A middle ground would be to divide your retirement money into each of the TSP funds equally. You won't seem dramatic growth, but you could end up with steady upward steps that should at least beat inflation. The challenge with such a basic diversified plan is that you may not generate enough money to live upon when you reach retirement. Since you are limited to no more than two trades per month in your TSP account, managing your retirement means: TSP funds are private and not traded on the regular stock market exchanges. This means you need to watch funds or ETFs that closely resemble your TSP funds. Once you know which symbols to watch, or you look at the performance via your TSP login, you can adjust your holdings to meet your objectives. You can focus on growth or safety or by diversifying amongst the funds you can weight your holdings towards your preference of growth or security. Various charting software, even free online software, can give you an indication of what is happening with each of your funds. Investment software based on technical analysis can take the basic information a step or two further and in seconds provide recommendations based not just on the movement of your funds but how they compare to each other and even to the stock market as a whole. This type analysis, dubbed relative strength, can lead you to the best performers at the current time and also tell you when to sell or switch funds. Selling, many investors forget, is the only way you actually make money. You have no gain, no profit, except on paper until you sell a fund. Switching from one fund into another locks in the profit gained from the first fund while giving you the opportunity to grow your money further with the fund that is now moving ahead with greater relative strength. Or, you may simply want to sell from the more 'growth' fund and transfer part or all of the money into a more stable but inflation beating fund to secure that money for the future. Regardless of how you go about handling your TSP retirement account, simply doing nothing and let it rest in the default fund will barely keep your money even with inflation (kind of like stuffing it in a coffee can for a future date) when prices for everything, yes everything will be higher. Taking a few minutes a week or a month can mean the difference between enjoying retirement or being stressed out with every bill that comes in the mail. Please make sure to subscribe to our YouTube channel for the most updated videos. Thanks for watching! Related search terms: Tsp forms for retirement planning What is a thrift savings plan form What are tsp forms for retirement? Thrift savings plan matching rollover Tsp forms retirement rollover to ira Tsp form retirement explained How to use your thrift savings plan forms for retirement
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We discuss the Federal Thrift Savings plan, reviewing who is eligible to participate and describe the more limited group which is eligible for a matching contribution. We also review the investment alternatives and the exceptionally low fees, which becomes a concern for those participants considering rolling out benefits to an IRA or other retirement plan.
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Stay with the TSP after leaving federal Service. Just because you leave federal service doesn’t mean you have to leave the TSP. Here’s why you should stay with us.
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Learn to budget, beat debt, & build a legacy. Visit the online store today: https://goo.gl/GjPwhe Subscribe to stay up to date with the latest videos: http://www.youtube.com/user/DaveRamseyShow?sub_confirmation=1 Welcome to The Dave Ramsey Show like you've never seen it before. The show live streams on YouTube M-F 2-5pm ET! Watch Dave live in studio every day and see behind-the-scenes action from Dave's producers. Watch video profiles of debt-free callers and see them call in live from Ramsey Solutions. During breaks, you'll see exclusive content from people like Rachel Cruze, and Chris Hogan, Christy Wright and Chris Brown —as well as all kinds of other video pieces that we'll unveil every day. The Dave Ramsey Show channel will change the way you experience one of the most popular radio shows in the country!
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The Thrift Savings Plan: Helping Federal Employees Achieve Retirement Security - House Oversight - 2011-07-27 - House Committee on Oversight and Government Reform. Subcommittee on the Federal Workforce, Postal Service, and the District of Columbia. Witnesses: Mr. Gregory T. Long, Executive Director, Federal Retirement Thrift Investment Board; Mr. Clifford D. Dailing, Chairman, Employee Thrift Advisory Council; Mr. Joseph A. Beaudoin, President, National Active and Retired Federal Employees Association. Video provided by U.S. House of Representatives.
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Welcome to APG, LLC www.assetpreservationgroupllc.com We are an Income, Retirement, and Estate Planning Service and would love to show you how to protect and preserve your money in today's economy. Life happens and you need to know your money will be there for those times. Putting your money in the stock market may give you large gains; however you may end up with large losses as well. We can show you how you can eliminate stock market losses, while enjoying stock market gains without losing those gains. We can show you how you can hold onto the money you have, protecting it from a nursing home. Our firm is Authorized to offer AARP Medicare Supplement insurance plans. APG Business Philosophy Our utmost priorities are to offer an effective way for our clients to obtain quality income, retirement and estate planning, and to improve the way they plan for the future. The APG Advantage We can inform you about the following: New Federal Law changes regarding how to move all of your 401k, 403b's, 457's, Federal Thrift Savings Plans, or other retirement plans, while still employed, and continue to contribute to them. Other advantages we help our clients with are Income planning, Family Bank IRA Planning and showing them how to protect their assets from a nursing home, eliminating stock market losses, IRA Inheritance Trust, and 100% safe money solutions.
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A discussion on employee benefits including health insurance, life insurance, retirement plans, Employee Assistance Program, transit subsidy and the Health Examination Program. (Video content current as of posting date.) CHAPTERS: :11 Health Insurance 3:32 Dental & Vision 5:21 Flexible Spending Account 7:25 Long Term Care Insurance 9:58 Life Insurance 12:16 Designation of Beneficiary 14:20 Retirement Plans 17:09 Thrift Savings Plan (TSP) 19:29 401(k) 21:13 Employee Assistance Program 23:44 Transit Subsidy 25:21 Health Examination Program 26:53 TALX
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You have more power than you think when it comes to controlling your taxes. This episode of “Your Money, Your Wealth” is about strategies you can implement in order to create a tax-free income in retirement. Find out the benefits of investing in a Roth IRA and learn who qualifies for investing in a Roth and how much you can contribute. Joe and Al also discuss capital gains & losses demonstrating how to apply tax loss harvesting techniques and close the show with viewers’ email questions. 0:48 “When you take a look at risk when it comes to your retirement, taxes might be one of the biggest risks that can give you the success or failure, or might even be your biggest expense” 2:42 “When you sell a stock or bond or real estate outside of a retirement account, and you held it for at least a year, you get a special capital gains rate—you can actually pay 0% on your capital gains rate” 7:00 “What we’re seeing is that people are putting themselves in the higher tax brackets in retirement because all of the income they are creating is classified as ordinary income which is the highest of rates” 7:51 “Did you know: according to U.S. News, when switching jobs there are three ways to avoid paying taxes or early withdrawals penalties from your 401(k)? First, you can leave it in your old 401(k), second, you can roll it over to an IRA or third, you can transfer the balance into the 401(k) at your new employer” 9:02 “When you have a Roth IRA, you do not need to take a required distribution unless you inherit a Roth IRA and you’re not a spouse” 15:05 “Capital losses net against capital gains dollar for dollar” 19:14 “There a lot of administrative fees in 401(k) plans and there are less in Roth IRA plans” 20:08 “You can take money out a Roth IRA at any age as long as it’s a contribution” 22:19 “There are multiple ways to create tax-free income; it’s about putting everything together to figure out what’s going to work best for you” Aired 6/20/15 If you live in southern California and would like to schedule a free assessment with one of our CFP® professionals, copy/paste this link in your search bar: https://purefinancial.com/lp/free-assessment/ Make sure to subscribe to our channel for more helpful tips and stay tuned for the next episode of “Your Money, Your Wealth.” Channels & show times: yourmoneyyourwealth.com http://purefinancial.com IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with their tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors.
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http://www.goodfinancialcents.com/the-financial-success-blueprint/ No one likes to get screwed. It's not a fun feeling and personally it irritates the crap out of me. But what happens when you screw yourself? That's definitely not cool! I've been a financial advisor for over 12 years now and I've seen plenty of people screw themselves out of a successful retirement. screw up retirement The most frustrating aspect on my end is that many of it could have been avoided if the person took a little bit of time to review their situation. Fact: More people spend time planning their family vacation than they do preparing for retirement. Don't be one of these people. Here are the top 6 mistakes that I've seen people do to screw up their retirement. 1. They don't have a specific goal. 2. They focus on what they wanted to make versus what they needed to make. 3. They never review their portfolio. 4. They watch too much CNBC. 5. They overestimate the lifespan of their portfolio. 6. They don't take time to check their beneficiaries. Is Your Retirement Plan On Track? Don't screw yourself out of successful retirement. Learn more about our process The Financial Success Blueprint that helps our clients retire with confidence. http://www.goodfinancialcents.com/the-financial-success-blueprint/
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James Norman, QS Investors president, discusses a Legg Mason survey on how Baby Boombers and Gen-X are saving for retirement and what they should be doing to meet their goals. » Subscribe to CNBC: http://cnb.cx/SubscribeCNBC About CNBC: From 'Wall Street' to 'Main Street' to award winning original documentaries and Reality TV series, CNBC has you covered. Experience special sneak peeks of your favorite shows, exclusive video and more. Connect with CNBC News Online Get the latest news: http://www.cnbc.com/ Find CNBC News on Facebook: http://cnb.cx/LikeCNBC Follow CNBC News on Twitter: http://cnb.cx/FollowCNBC Follow CNBC News on Google+: http://cnb.cx/PlusCNBC Follow CNBC News on Instagram: http://cnb.cx/InstagramCNBC James Norman: How Baby Boomers And Gen-X Are Preparing For Retirement | CNBC
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Last month, I shared the news about my new baby daughter, so in this month’s video blog I would like to share an alternative college plan I implemented for my daughter, which will most likely give much better results than a 529 plan. Sounds pretty good, right? But as exciting as this is, wouldn’t it be more exciting to know that this college plan can also provide a nice retirement income for my wife and me (or for you and your spouse)? In this video, I will explain very briefly how you can establish a top of the line college plan that will transform itself into a remarkable retirement plan, which will also provide a nice inheritance for your children and your grandchildren. This may sound complicated, but it is simpler than it appears. I will be using the same “770 account” or participant life insurance I used for last month’s episode. email: firstname.lastname@example.org
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As you prepare for your retirement, be sure to double check your life insurance enrollment status. Check out our FAQs for more information: http://go.usa.gov/6wRh
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What are the best retirement plans – What is the best retirement plan? 1-800-566-1002 http://www.RetireSharp.com . What are the best types of retirement plans and learn how you can avoid the most common mistakes that individuals have made when looking to set up the best retirement plans. How to Find the Best Retirement Plans? Here's How People think it is really hard to find the best retirement plans. Actually, the truth is, it is not hard at all. It is very easy. A good retirement plan is something that ensures financial security. It is as simple as that. How do you define financial security? By the time you retire, you should have built quit a nest egg that you don't have to depend on either your friends or the government for your daily needs. Sounds simple, right? Before we discuss further about retirement plans, I need to ask you a question. Are you in charge of your money? Do you have the freedom to invest your money wherever you want or are you still dependent on your employer to make all these decisions? The answer to these questions decides how your post retirement life will be. Unfortunately, a lot of people do not put their retirement funds to good use. The funds remain dormant in their traditional accounts due to two important reasons. Here they are. A lot of people are unaware of the fact that they can do something with their retirement funds. You can actually opt for a self directed IRA (individual retirement account) and invest your retirement funds whichever way you want and make lots of profit. A lot of people are not aware of this at all. People think that they lack the financial acumen to be able to make the right investment decisions. They think of options like the stock market and they are wary of the fact that they could lose their money by the thousands by investing in a volatile market. So, they decide to play safe by earning a tiny little interest on their retirement funds. Like I already said, the best retirement plans are the ones that give you financial freedom. How do you get financial freedom? Simple - by getting higher returns on your investment, you can safely build a nest egg for your post retirement life. How do you get higher returns? Again, the answer is simple - by investing wisely. How do you invest wisely? Now, this is a very important question. Let us take a detailed look at the answer now. To invest wisely and to pick the right retirement plans, you need to have freedom. In other words, you should be in charge of your own money, not your employer. With traditional retirement accounts like 401Ks, you are always dependent on your employer. Pick the right investment option, get steady returns, and enjoy complete financial freedom in your post retirement life. Feel free to subscribe to our YouTube channel and receive instant access on different retirement related topics. Thanks for watching! Related Search terms: best retirement plans annuities best retirement plans income best retirement plans explained best retirement plans reviews best retirement plans review What is the best fixed indexed best retirement plans vs the top immediate income best retirement plans https://www.youtube.com/watch?v=_gINxOpI5kA
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You may know about required minimum distribution rules for yourself, but what happens if you die? Usually the RMD rolls over to a spouse. But the rules do change a bit. WealthEd.com is your first stop on the path to retirement. Watch live shows, view video clips on demand, and read our informative articles to get educated today! For more visit http://wealthed.com Subscribe to our channel: http://www.youtube.com/wealthed Follow WealthEd and Lucia Capital Group on Twitter: http://www.twitter.com/TheWealthEd Like WealthEd and Lucia Capital Group on Facebook: https://www.facebook.com/TheWealthEd CAA-10359
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What are retirement mistakes – What is a retirement mistake? 1-800-566-1002 http://www.RetireSharp.com . What are the biggest retirement mistakes and learn how you can avoid the most common problems that individuals have experienced when not looking at retirement mistakes. Top Retirement Mistakes Retirement mistake no. 1: Overconfidence in your investing skills If ask anyone who has done investing in the stock market over the years. The answers you will get will most likely range from 8 percent to 20 percent (or more!). The average was about 10%. Here's the reality. Every year, Dalbar Inc., a respected independent market research firm, publishes a study titled "Quantitative Analysis of Investor Behavior." The study measures the actual performance of stock and bond investors and compares that performance to various benchmarks. The latest study found that, while the S&P 500 returned 8.35 percent over a 20-year period ending in 2008, the average equity investor earned a pathetic 1.87 percent, which was less than the inflation rate of 2.89 percent. Bond investors fared worse. They earned returns of 0.77 percent compared to 7.43 percent for the index. If you are relying on your investing skill to fund your retirement, you should be worried. Very worried! Retirement mistake no. 2: Ignoring immediate annuities and Equity Index with income annuities One study showed that, over a 30-year period, you could reduce your chance of running out of money from 67 percent to 10 percent if half your portfolio was annuitized. Retirees should calculate their monthly expenses, deduct their monthly income, including Social Security, and consider an immediate annuity to take up the shortfall. Fixed annuities are available with and without inflation protection There are great products out there right now that can add a 7% compounded income rider on the principle Retirement mistake no. 3: Retiring too early Consider a typical 62 year old, nearing retirement. By remaining employed three or four more years, she could boost her retirement income by almost 25 percent. You should carefully consider the impact of working just a few more years before you make the decision to retire. Retirement mistake no. 4: Not having a current will or Living Trust Depending on the size of your estate you will need to have your wishes laid out in detail. The Living Trust will help you avoid probate which is court which takes money and fees out before your family receives it. The Living Trust will also give you some tax advantages too giving you a stepped up tax basis and help on the Estate tax for larger estates. If you do have a will or Living Trust, you control who inherits your property and your portfolio. If you are raising children under 18, your will can designate who should continue to raise them. Instead of the impersonal court system making critical decisions, you can designate your spouse, a trusted friend, or a professional fiduciary to be in charge of your estate. No one wants to confront their mortality and deal with these difficult issues. But it is simply irresponsible not do so. It could also cost your heirs a bundle in avoidable estate taxes. Feel free to subscribe to our YouTube channel and receive instant access on different retirement related topics. Thanks for watching! Related Search terms: retirement mistakes annuities retirement mistakes income retirement mistakes explained retirement mistakes reviews retirement mistakes review What are the biggest fixed indexed retirement mistakes vs the top immediate retirement mistakes https://www.youtube.com/watch?v=srZf5njFFM8
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Visit us at our website http://www.sdretirementplans.com/ or feel free to give us a call at (866) 639-0066 to speak to Rick Pendykoski today and learn how you can stop leaving money on the table! Rick gives his insiders advice on how to put your kids through college using a Roth IRA. By having your children's grandparents fund an IRA and putting your kids as the beneficiary. Regardless of both grandparents being alive or deceased your kids are allowed to receive up to $13,000 tax free! This method differs from a 529 and allows you to utilize your IRA to put your kids through college Start taking advantage of all your financial opportunities by speaking to us and learning what unique offers we have for our clients! By visit giving us a call, visiting our office, or google plus page: -https://plus.google.com/+Sdretirementplans/ -718 N 164th Drive, Goodyear Arizona 85338 -(866) 639-0066
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