Category archives: Retirement

The Perils of Giving Your Kids an Allowance—at age 40! The Dilemmas Financial Enabling Causes!

Comprehensive Financial Planning, Retirement

The Perils of Giving Your Kids an Allowance—at age 40! The Dilemmas Financial Enabling Causes!

by on May 25, 2016

I met with a prospective client recently who shared her story with me. Her husband has a rare combination of illnesses, including early onset Alzheimer’s. They have two daughters, one lives in a house they built for her after her divorce. She works several jobs and does the best she...
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The Perils of Giving Your Kids an Allowance—at age 40! The Dilemmas Financial Enabling Causes!

by on May 25, 2016

I met with a prospective client recently who shared her story with me. Her husband has a rare combination of illnesses, including early onset Alzheimer’s. They have two daughters, one lives in a house they built for her after her divorce. She works several jobs and does the best she...
Continue Reading »


The Perils of Giving Your Kids an Allowance—at age 40! The Dilemmas Financial Enabling Causes!
The Plan Behind The Plan: Making Retirement Count

Comprehensive Financial Planning, Retirement

The Plan Behind The Plan: Making Retirement Count

by on Dec. 22, 2015

Recently, we had the privilege of celebrating a client’s 100th birthday. It was a special time for her to be able to share 10 decades of memories with friends and family. During our visit, it was evident that love and faith shaped her life. It was a blessing to have...
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The Plan Behind The Plan: Making Retirement Count

by on Dec. 22, 2015

Recently, we had the privilege of celebrating a client’s 100th birthday. It was a special time for her to be able to share 10 decades of memories with friends and family. During our visit, it was evident that love and faith shaped her life. It was a blessing to have...
Continue Reading »


The Plan Behind The Plan: Making Retirement Count
How One Man Saved $110,000 Using This Fringe Benefit

Education Planning, Retirement, Taxes

How One Man Saved $110,000 Using This Fringe Benefit

by on May 29, 2015

We tend to forget the value of fringe benefits. What our grandparents called "luxury" we now count as expected. Take your mobile phone and data expense. Many employers provide a subsidy or expense allowance for the privilege of reaching you any and all of the time. Well, on second thought,...
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How One Man Saved $110,000 Using This Fringe Benefit

by on May 29, 2015

We tend to forget the value of fringe benefits. What our grandparents called "luxury" we now count as expected. Take your mobile phone and data expense. Many employers provide a subsidy or expense allowance for the privilege of reaching you any and all of the time. Well, on second thought,...
Continue Reading »


How One Man Saved $110,000 Using This Fringe Benefit
Why Your Financial Advisor Should Care About More Than Just Your 401(k)

401(k), Budgeting, Comprehensive Financial Planning, Education Planning, Estate Planning, Retirement

Why Your Financial Advisor Should Care About More Than Just Your 401(k)

by on April 9, 2015

Money! Mansions! Maseratis! If this is your perception of financial advisors, a sort of Wolf of Wall Street caricature, you are not alone. According to a study completed by Charles Schwab in 2014 titled "Generation Now Study," those were some of the words and pictures used to describe financial advisors....
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Why Your Financial Advisor Should Care About More Than Just Your 401(k)

by on April 9, 2015

Money! Mansions! Maseratis! If this is your perception of financial advisors, a sort of Wolf of Wall Street caricature, you are not alone. According to a study completed by Charles Schwab in 2014 titled "Generation Now Study," those were some of the words and pictures used to describe financial advisors....
Continue Reading »


Why Your Financial Advisor Should Care About More Than Just Your 401(k)
Deciphering the Pieces of an Indexed Annuity

Investments, Diversification, Retirement

Deciphering the Pieces of an Indexed Annuity

by on March 30, 2015

We regularly get inquiries from clients trying to understand more about indexed annuity products that they’ve heard about on a talk show, or in an advertisement, or perhaps from a family member. Sometimes they are intrigued because it seems it is a way to get “all the upside of the...
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Deciphering the Pieces of an Indexed Annuity

by on March 30, 2015

We regularly get inquiries from clients trying to understand more about indexed annuity products that they’ve heard about on a talk show, or in an advertisement, or perhaps from a family member. Sometimes they are intrigued because it seems it is a way to get “all the upside of the...
Continue Reading »


Deciphering the Pieces of an Indexed Annuity
Investing in real estate inside your IRA

Investments, Alternatives, IRA, Retirement

Investing in real estate inside your IRA

by on Feb. 2, 2015

Many investors do not realize that IRAs allow for myriad investments beyond just stocks, bonds, and mutual funds. Some examples of these non-traditional investments are LLCs, private stock, oil and gas LPs, real estate, and Limited Partnerships. The popularity of these non-traditional assets is increasing; however, they come with their...
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Investing in real estate inside your IRA

by on Feb. 2, 2015

Many investors do not realize that IRAs allow for myriad investments beyond just stocks, bonds, and mutual funds. Some examples of these non-traditional investments are LLCs, private stock, oil and gas LPs, real estate, and Limited Partnerships. The popularity of these non-traditional assets is increasing; however, they come with their...
Continue Reading »


Investing in real estate inside your IRA
Required minimum distributions

Retirement, Taxes

Required minimum distributions

by on Sept. 15, 2014

We frequently receive questions from our clients nearing or beginning retirement regarding when and how they must take distributions from their retirement accounts. There is a general awareness that they can't continue to hold the accounts forever without paying taxes on them, but there is a lot of confusion about...
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Required minimum distributions

by on Sept. 15, 2014

We frequently receive questions from our clients nearing or beginning retirement regarding when and how they must take distributions from their retirement accounts. There is a general awareness that they can't continue to hold the accounts forever without paying taxes on them, but there is a lot of confusion about...
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Required minimum distributions
Retirement plan rollovers

Retirement

Retirement plan rollovers

by on June 30, 2014

Normally, employer-sponsored retirement plans are the largest investable asset retirees have when they come to PlanFIRST for investment advice. We usually recommend rolling over these accounts into a Charles Schwab IRA as soon as the particular plan will allow. This helps reduce administration expenses for our clients and gives us...
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Retirement plan rollovers

by on June 30, 2014

Normally, employer-sponsored retirement plans are the largest investable asset retirees have when they come to PlanFIRST for investment advice. We usually recommend rolling over these accounts into a Charles Schwab IRA as soon as the particular plan will allow. This helps reduce administration expenses for our clients and gives us...
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Retirement plan rollovers
Retirement plan contributions -- to do or not to do?

401(k), Retirement

Retirement plan contributions -- to do or not to do?

by on June 16, 2014

Clients occasionally ask whether they should make contributions to their employer's retirement plan. The factors that we consider in making a recommendation to a client include: - The level of employer "matching" retirement plan contributions - Projected annual taxable income levels before and after retirement- Whether the "forced" discipline of...
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Retirement plan contributions -- to do or not to do?

by on June 16, 2014

Clients occasionally ask whether they should make contributions to their employer's retirement plan. The factors that we consider in making a recommendation to a client include: - The level of employer "matching" retirement plan contributions - Projected annual taxable income levels before and after retirement- Whether the "forced" discipline of...
Continue Reading »


Retirement plan contributions -- to do or not to do?

Trust and investment management accounts and services offered by PlanFIRST, an office of the Ronald Blue Trust division of Thrivent Trust Company, are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, nor guaranteed by Thrivent Trust Company or its affiliates, and are subject to investment risk, including possible loss of the principal amount invested.

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