Saving for retirement means navigating a potential minefield of high fees and bad advice. Billy Eichner and Kristin Chenoweth share some tips. Connect with Last Week Tonight online... Subscribe to the Last Week Tonight YouTube channel for more almost news as it almost happens: www.youtube.com/user/LastWeekTonight Find Last Week Tonight on Facebook like your mom would: http://Facebook.com/LastWeekTonight Follow us on Twitter for news about jokes and jokes about news: http://Twitter.com/LastWeekTonight Visit our official site for all that other stuff at once: http://www.hbo.com/lastweektonight
Views: 10005057 LastWeekTonight
What are how long will my iras last – What is how long will my ira last? 1-800-566-1002 http://www.RetireSharp.com . What are the best types of how long will my iras last and learn how you can avoid the most common mistakes that individuals have made when looking to purchase an how long will my ira last. Make Your Retirement Account Last - Three Steps to Insure Retirement Security The last ten to fifteen years have been financially very good for most of us. With a little effort and a lot of market tailwind, our retirement accounts have grown at an amazing rate. With annual stock returns as high as 20% or more, most of us who have private retirement investment accounts (401K, IRA, etc.) were feeling pretty good. In most areas of the U.S. real estate values spiraled up and up. The combination made many of us who owned homes and stock/bond investments paper millionaires. Then along comes 2008. Our stock investment portfolio values dropped 35-40% and our once fat equity position in real estate rapidly shrunk. Your retirement account doesn't look so secure anymore. Here are three suggestions for making your nest egg last as long as you do. 1. Take a Careful Look at Your Present Cash Flows It's best to do this on a monthly basis as most expenses and income are easily calculated on that basis. A financial software package is an excellent tool to help you structure this part. List your monthly cash income in detail by source, i.e. Social Security, pension, rental income, etc. You may already be drawing a fixed amount monthly from your retirement accounts. If you aren't, here is the place to decide what that amount is going to be and enter it as cash income. A word of caution here: be certain you understand the rules regarding withdrawals from IRA and 401K type retirement accounts. You might want to visit the IRS website for a careful review.There you will find some information on the minimum withdrawal rates required by the IRS. Deciding the maximum, you want to withdraw is up to you. Most experts will recommend that you limit the maximum annual amount to no more than 4% of the remaining balance. That's a good place to start. Use the larger of the two numbers for now, you can refine it later. Next list your monthly cash expenses. These should include everything you have to purchase as well as all scheduled payments. This will take some thought; it is easy to forget the small things like an occasional meal or movie, car repairs, etc. Include some "unplanned" expenses like subscription drugs, co-pays and other medical items. At this stage it is probably easier to average some expenses that don't occur monthly. If you don't include insurance or taxes in your monthly mortgage expenses, make sure they are included here. If you have used a financial software package, you can enter the above data into the budgeting portion of the program, and you now have a preliminary view of your monthly cash flows. 2. Develop a Realistic Monthly Cash Flow Budget If the preliminary budget you came up with in the prior step yielded a positive cash flow, you are starting from a good place. Go over your budget once more, refining the monthly cash outlays. Be more precise in detailing monthly expenses that you averaged in step one. You may want to build in a "set aside" account to accumulate cash to be used for extraordinary items like auto repairs and other fairly large expenditures which do not occur monthly. Emergencies will always occur at the least convenient times, so provide for them in your budgeting process. 3. Take Action Now to Deal with Any Negative Cash Flow Revisit your monthly budget; looking for spending you can reduce or eliminate. Can you reduce the big cable TV bill by switching to basic service, or drop that membership in the local gym? Maybe shop at discount stores instead of Macy's, etc As distasteful as it may be, you are going to have to eliminate or reduce some expenditures, including bills that are not going to get paid right away. You will be surprised how flexible lenders can be if they know you are making a good faith effort to pay, so get on the phone and negotiate a payment plan you can live with. Feel free to subscribe to our YouTube channel and receive instant access on different retirement related topics. Thanks for watching! Related Search terms: how long will my ira last how long will my ira last income how long will my ira last explained how long will my ira last reviews how long will my ira last review What is the best fixed indexed how long will my ira last vs the top immediate income how long will my ira last https://www.youtube.com/watch?v=NkCF01MyOT4
Views: 131 retiresharp
Free Training To A Brand New High-End Career (limited time only 2018) https://www.besthighendcareer.com/webinar You've been told to put money in a 401k, but do you know the average return? What's the difference between a 401k, IRA, and trading stocks? Is a home a better investment than 401k or IRA? Article that agrees that in real life, you'll get about a 5% return on 401k's http://www.interest.com/401k/news/kin... James Altucher says that you shouldn't buy a house at all: http://www.jamesaltucher.com/2011/03/... The #1 internship marketplace exclusively for college students and new grads ➡ http://www.wayup.com/refer/engineered... ⬅ https://Facebook.com/EngineeredTruth https://Twitter.com/EngineeredTruth https://www.instagram.com/EngineeredtTruth/
Views: 332805 ENGINEERED TRUTH
This is Catherine Magana with your Savvy Minute. Today I will give you another easy way tip for you to get Savvy about your finances. Today’s tip will cover “Will my retirement money last?” If you have been saving for retirement for a while now, you may be thinking how long do I have before I can retire. Or, if you are already retired, you may be thinking will my money last? A few things you should consider about are…Will you outlive your money? And, how long will you live? We have seen a lot of people living to age 80, 85 and even past 90 years old. Another thing to consider is your life style. Do you plan on traveling or visiting family and friends in retirement? Or, are you in retirement now and enjoying these amazing trips and wondering if you still have enough? I would suggest you consider a financial assessment to make sure you are still on track. Join us each week for the Savvy Minute. You can find our YouTube channel at SavvyUp.tv. That’s SavvyUp.tv. Please subscribe to our channel at SavvyUp.tv. Or give us a call at 760-692-5700, that’s 760-692-5700 and set up your free 30-minute financial assessment today. And remember ladies to Savvy Up!! Catherine Magaña is a CFP® or CERTIFIED FINANCIAL PLANNER™ in Carlsbad California. If you would like to set up a time to discuss your financial goals she can be reached at 760-692-5700, firstname.lastname@example.org or private message. www.SavvyUp.com #SavvyUp
Views: 255 Savvy Women Wealth Management
Get FREE Audiobooks and 2 Audible Originals (and support this channel!) with a 30-day Free Trial of Audible: https://amzn.to/2zEFqhT Can YOU Afford to Retire? The 4% Rule Explained. The safe withdrawal rate is a great barometer for you to use when trying to figure out how much you need to save for retirement… as long as you stick to it. In this video I will explain what the safe withdrawal rate (also known as the 4% rule) is as well as tell you how it can help you retire early. All of my Personal Finance/Investing videos: https://goo.gl/XW5U3k All of my Book Summaries: goo.gl/xmWeaD All of my Social Skills videos: https://goo.gl/N6ikxe All of my Health Related videos: https://goo.gl/hjQ1j9 All of my Productivity videos: https://goo.gl/WguoFs -~-~~-~~~-~~-~- Please watch: "Acorns Review | My Thoughts on Robo-Advisers (Discussion)" https://www.youtube.com/watch?v=pyvyNaZyT7E -~-~~-~~~-~~-~-
Views: 90634 Next Level Life
The old 4% rule is what everyone uses to evaluate the success of one's retirement plan. Ask anyone how much money they can take out of their portfolio and without hesitation it seems that person will say 4%. Why? "Well... that's what everyone says, right?" Well, because everyone says it does that make it right for you? Everyone also said to eat low fats and high carbs, and look where that got us. Now, this is not an indictment of Bill Begen's 4% rule article that came out in the Journal for Financial Planning in 1994. Back then it made perfect sense. But it's now 25 years later. Think a change should be considered? After all, are people living longer or shorter than they were in 1994? What are bond rates now, compared to 1994 and the previous history of the markets in which Bengen based his rule? What were stocks doing in the years up to the point Bengen did his study? Can we assume the same rates of returns going forward? I'd be hard-pressed to encourage any of my clients to use ANY model based on past numbers that simply are not achievable today. 10 year Treasury is half of what it historically is. No one, and I mean, NO ONE, would argue stocks are undervalued relative to historical numbers. Finally, people are living longer, in case you hadn't heard. Thus, if you're banking on the 4% rule to dictate your retirement success, I highly suggest you think again. Joe Tomlinson did the grunt work for us in the article I reference in this video. And what you'll see should shock you out of any complacency you had. What worked before, won't work now. You've been warned. Prepare accordingly. https://bit.ly/2Q4P42q ================================= 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
Views: 3211 Heritage Wealth Planning
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!
Views: 246697 The Dave Ramsey Show
Most Americans are diligently saving for their retirement the only way they know how; maxing out their 401k and supplementing long term savings with ann IRA. There are some problems, however, with the status quo approach and in this video CEO and Founder of A Better Financial Plan offers insight into where the land minds of traditional financial planning lay hidden.
Views: 25115 Dean Vagnozzi
http://www.paytaxeslater.com James Lange, the best-selling author of Retire Secure! gives you expert advice on 401(k), Roth IRA, retirement planning, retirement savings and estate planning.
Views: 868 retiresecure
Take these steps to avoid outliving your savings when you retire.
Views: 382 Kiplinger
Planning for retirement is a lot like purchasing a new car. You want to lay out your options, do diligent research and feel fully prepared before making that big decision. Joe and Al guide you through the road map of retirement by discussing questions you should ask yourself when creating your retirement plan: 1. What is the sticker price - how much will you need to retire? 2. Can you fuel it - where is your retirement income coming from and do you have enough to sustain the lifestyle you imagined for yourself? 3. Have you looked at crash test ratings - what road bumps might you encounter and how can you prevent these from happening? 4. How fast will it accelerate – will inflation take a toll on how long your retirement savings will last? Important Points: 2:37 “When you’re looking at test driving your retirement, there are a few things you have to do. Right off the bat, what’s the sticker price? Figure out how much you need to save for retirement” 4:38 “When you figure out your lifestyle, I want to show you how to figure out how much that sticker is, in other words how much you need to save” 5:57 “A lot of you go into retirement not necessarily understanding how much you can spend; if you do this simple exercise it’s going to give you a lot more confidence” 6:16 “Let me show you what happens if you can save $1,000 per month at a 7% annual rate of return” 8:44 “Over the past hundred years, the inflation rate has been over 3%, and if you look at the last thirty years, it’s been closer to 3 ½%. Just because the inflation rate has been low recently, it’s not necessarily a good figure to use” 9:41 “I have a 4-year old grandson and I’d like to set up a college fund for him; what would be your recommendation? 10:23 “Each state has their own 529 plan” 12:49 “One thing that will help is if you work longer and delay your Social Security benefits – you don’t have to save as much because you’ll have more monthly benefit” 14:10 “A lot of our clients that have the most flexibility and pay the least tax are people are people that have actually saved more money in tax-free environments or even the taxable retirement accounts” 15:14 “What you want to do is set up ahead of time a cash flow strategy for yourself where you know that rate of return is to maintain your cash flow and then take the least risk possible to maintain that cash flow” 19:19 “[True or false?] It is better to take the single lump sum distribution from my pension and invest the money rather than take the lifetime distribution” 22:51 “You pay yourself first and then you pay your bills” AIRED: 6/19/16 If you would like to schedule a free assessment with one of our CFP® professionals, click here: 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 https://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.
Views: 2295 Pure Financial Advisors, Inc.
Have you saved enough money to retire? It seems like a simple enough question. But the answer is more complicated than you might think. Learn More! Watch this Video!! If you google this question on line, you’ll find pages of articles and financial calculators that try to help you answer this question. Most of these online articles and retirement calculators focus on how much you need to save and invest to grow your “nest egg.” The common and ordinary retirement strategy that you hear and read repeatedly is based upon what I call the “pile of cash” strategy. You’re encouraged to act like a squirrel gathering nuts and hoarding them for the winter, or in your case, retirement. You gather and save and then gather some more, creating as big a pile of nuts as you can. And you worry regularly whether you have enough saved or invested. When your retirement starts...then you’re supposed to ration out one nut at a time. And even though you don’t know how long you will live, you’re supposed to ration your pile to last as long as you do. The problem with this approach is that retirement planning is a lot more complex that simply coming up with one, final, magic number. True, you need to accumulate money so you can retire. But rather than a single number, a successful retirement is built upon long term strategy. Here are four questions that I hope will help you move away from the hoarding, “pile of cash”mentality, and get you thinking about how to optimize your retirement. When you think about the questions below... you will start thinking strategically about your retirement. This is the goal. One. Ask yourself ...where do I have most of my money? In other words, in which financial products or investments do you have most of your money located? In a bank account? 401K? Your house? IRA? A life insurance policy? An annuity? You need to clearly understand the strengths and limitations of each financial product in which you have your money. For example, how much of your money can you convert to cash within a month? Will you be charged fees and penalties? If your money is in the stock market, will your stock or mutual fund value be up or down? If you need cash now, will you have to sell at a loss? Two. Reliability. Ask yourself...How reliable will my retirement income be? Can it disappear? What happens if the stock market takes a sharp downturn, as it did in 2008? Will you be forced out of retirement and back to work? With respect to real estate, do you have rental income? If you are counting on this income, what happens to your retirement picture if your tenants don’t pay or if they damage your property? Three. Risk. How much of your retirement is at risk for loss? What happens if you plan to get a significant percentage of your monthly retirement income from investments, and the stock drops and doesn't recover? Or the market rebounds but then drops again. Now what? Four. Taxes. How will taxes impact my retirement? Often people don't consider the impact of taxes on their retirement income. The common theory goes that you’ll be in a lower tax bracket in retirement, so who needs to worry about this? But think about it for a moment. Your tax rate is a function of your taxable income. Ask yourself: do you want a lower income in retirement? Probably not... which means you are NOT going to be in a lower tax bracket. And if you don’t plan how to manage your taxes, you’re probably going to end up paying more than your fair share. Paying excess income tax can and will erode your retirement income. Remember....If you worry about your retirement strategy and NOT having enough money in retirement, you are not alone.
Views: 235 Dwayne Burnell, MBA
In this video, Tim Levy and Brian Finkelstein discuss alternatives to IRAs to gain more control of your money. One of the best alternative investment strategies is to get a Self-Directed IRA, which allows you to invest in a wide variety of asset types. If your interested in learning about the basics of Self-Directed retirement investing, investing in alternatives or more about a Self-Directed IRA please contact Broad Financial via the links below! CONTACT US https://goo.gl/xJjjJo LET'S CONNECT Website: https://goo.gl/IFXchw Blog: https://goo.gl/bzackw Facebook: https://goo.gl/LX8tYe Twitter: https://goo.gl/oKAp3P ABOUT BROAD FINANCIAL Broad Financial takes the complex process of Self-Directed Retirement Investing and puts it into a clear and concise road map. Customers appreciate their personal service and welcome the relief and peace of mind they afford to them as they take steps to assure the financial growth and safety of their retirement accounts. Broad Financial is a Shopper Approved company obtaining an A+ with the Better Business Bureau. They are here to encourage you to take a more active role in the investing of your retirement account, to invest what you know best and believe in and to broaden the breadth of your diversification. https://youtu.be/JkUnEmWVuc8
Views: 2866 Broad Financial
Gold IRA Rollover versus Transfer - Which option makes more sense? http://FreeGoldGuide.org - get your free 401k to Gold ira guide. Should you transfer or rollover funds from a previous retirement account (for example, 401k) into a new Gold IRA? It’s important to understand the differences between these two options. Let’s say, you want to move your funds from custodian one to custodian two. The first and the fastest alternative is a “transfer.” How exactly does it work? You go to a custodian two, or just fill out the form on their website. And they send a request to a custodian one. In a direct transfer, the money flows directly from one IRA custodian to another. This means the distribution check from the old IRA custodian must be made out in the name of the trustee or custodian of the new IRA account that receives the funds. This is something you can do at any time with your existing IRA. The assets go from one custodian to another custodian, that’s why no reporting is required. Transfers may be made as often as you want. The second alternative is a “rollover.” A rollover occurs when “you” receive the distribution from your existing retirement account and then turn around and deposit it in another retirement plan custodial account. In this case, custodian one sends the money directly to you, and you would need to re-deposit the funds into the new retirement plan account. Within sixty days. What is the sixty-day time period exceeds? You would be liable for taxes and penalties on the money withdrawn. You may roll over the same money only once every twelve months to preserve the tax-deferred status of your retirement savings. Which option makes more sense? You decide! Let me know your opinion below. If you want to learn more about these two ways to move your IRA money into physical gold and silver, feel free to click the link below or click this card and get your free 401k to Gold IRA investment guide. Get Your Free Gold IRA Guide - http://FreeGoldGuide.org Source: https://youtu.be/awIpxJJWcyY Disclaimer: I am not a financial advisor. This video is is not intended to be investment advice. Seek a duly licensed professional for investment advice.
Views: 19 Joyful Investor
http://www.integritymarketingseo.com/San_Diego-California-seo-company-search-engine-optimization-service.html Tips on how to save money, invest for retirement, calculate your financial needs and investment contributions, and how to manage your money online. investments, 401k, financial services, annuity, roth ira, mutual funds, term life insurance, long term care insurance, 401k rollover, retirement annuity, term insurance, life insurance company, term life, annuities, personal finance, financial planner, retirement plan, retirement planning, traditional ira, sep ira, investing mutual funds, 401k rollover ira, annuity investments, variable annuity, life insurance quote, 401k plan, wealth management, company 401k, equity fund, growth fund, money market, 529 plan, college fund, college savings plan, global fund, index fund, stock fund, retirement fund, http://www.lifeinsuranceira401kinvestments.com/Fullerton-ca http://www.lifeinsuranceira401kinvestments.com/YorbaLinda-ca
Views: 12010 InvestingInsurance
Happy Fourth of July weekend! Or was it last weekend? Or is it this weekend? Whatever the case, the show goes on. This weekend we kick things off with young Nicole from Seattle who just started a job at a local university and has a decision to make when it comes to her retirement plan. A traditional 401(k) or a defined benefit pension plan which only kicks in after she's been there for ten years? It's a tough call to make. Next up was Sharon from Michigan. She and her husband just inherited $400,000. What should they do with it? Pay off some debt? Invest it? Hour two this week features an interview with my pal and retirement guru, Mark Miller. No stranger to writing books, Mark was on to chat about his latest project, Jolt: Stories of Trauma and Transformation. Having interviewed dozens of people over the years who are hell-bent on changing their lives and careers to focus on work with more purpose and meaning, Mark began to notice a pattern: many leap-of-faith transformations begin with unforeseen traumatic life events. Mark decided to think of these high-voltage bolts out of the blue as jolts — painful events that stop people in their tracks and then thrust them toward positive change. The death of a child. Life-threatening illness. Plane crashes. Terror attacks. Natural disasters. Some of us never fully recover from unimaginable traumas like these, but some not only survive—they bounce back to thrive and grow. Jolt tells the stories of people transformed by trauma, and the new paths that they pursue. Have a money question? Go to jillonmoney.com for all the contact info. We love feedback so please subscribe and leave us a rating or review in Apple Podcasts! Connect with me at these places for all my content: http://www.jillonmoney.com/ https://twitter.com/jillonmoney https://www.facebook.com/JillonMoney https://www.instagram.com/jillonmoney/ https://www.linkedin.com/in/jillonmoney/ http://www.stitcher.com/podcast/jill-on-money https://itunes.apple.com/us/podcast/better-off-jill-schlesinger/id431167790?mt=2 "Better Off" theme music is by Joel Goodman, www.joelgoodman.com.
Views: 306 Jill Schlesinger
Tax Free Retirement Savings Plan - The #1 Best Tax Free Retirement Savings Plan is at: http://BarefootRetirement.com Would you like to retire tax free? I mean 100% tax free and pay ZERO taxes during retirement? You actually can with this little known plan. In a nut shell, this is how it works. You put in after taxed dollars into the plan. There is No Limit to how much you can put into these plans. Unlike ROTH IRAs, IRAs, 401ks etc.... this plan allows you to contribute unlimited amounts into this plan. Some people put millions of dollars a year into these amazing tax savings plans. Your money grows tax free. If you need the money, you can take it out at any time, tax free and with no fees or penalties. When you retire, you pull the money out tax free... yes all of it. When you pass away, remaining funds pass to your heirs tax free. This plan it totally Private. There is no reporting of this required at all. It can generate a life time, tax free income that lasts as long as you last. To find out more about how YOU can retire 100% tax free call us today at 866-480-7784. You can also pick up a totally free copy of our best selling book titled: The Barefoot Retirement Plan. It's been downloaded over 125,000 times and it changing lives. You can get your free copy of this eye-popping book at: http://BarefootRetirement.com/book Now you can have the tax free retirement you've always wanted.
Views: 115 Barefoot Retirement BarefootRetirement.com
Certified Financial Planner™ Bryan Beatty, CFP®, a partner at the Northern Virginia firm Egan, Berger & Weiner, LLC, stars in this segment on News Channel 8's "Let's Talk Live" show. He explains that whether or not you are self-employed, it's not difficult to set up and maintain a retirement plan. And he shares the difference between a Traditional IRA and a Roth IRA, as well as the other retirement plans self-employed people should be aware of. Last but not least, he offers insights into exactly how much the average person really needs to save for a comfortable retirement. Securities and Investment Advisory services offered through ING Financial Partners, member SIPC Egan, Berger and Weiner, LLC is not a subsidiary of nor controlled by ING Financial Partners.
Views: 765 InkandescentTV
We understand the unique needs and challenges confronting investors who are retired or about to retire. It's important to understand how you will structure your retirement income, how long your income will last, and which sources of income you should tap into first to minimize taxes and maximize income potential. Through comprehensive planning, we can help you prioritize your goals and develop a strategy that seeks to protect and grow your retirement assets. Whether you are in the accumulation phase or have already retired, a sound strategy is critical to helping you: Meet retirement income needs, desires and expenses Maintain lifestyle choices and priorities Ensure that long-term goals and aspirations are funded for travel, healthcare, estate planning, charitable giving and other goals We can assist you with the following retirement plans and strategies: Retirement Income Planning 401(k)/IRA Rollovers Traditional and Roth IRAs SEP IRAs SIMPLE IRAs Corporate Retirement Plans Tracking #730182
Views: 86 Wealth Strategies
https://www.IRAhelp.com - Ed Slott, America's IRA Expert, discusses year-end planning strategies, when to make your 2015 IRA contribution, how to take your yearly required distribution and other ways to protect savings from taxes.
Views: 1403 Ed Slott and Company IRAtv
According to some statistics, roughly 10,000 Americans turn 65 every day. And that trend will continue--every day--until 2020. Though some will put off retirement to continue working, almost all will eventually leave the labor force. Today's retirees are also facing a bittersweet prospect: they're living longer. While people rightly argue that this is a great problem to have--it does present a unique challenge: ensuring that there's enough money left in tax-advantaged retirement accounts to last the rest of one's life. With so many different retirement vehicles available, it's important to follow a specific sequence in liquidating your savings. Motley Fool contributor Brian Stoffel talks about the difference between Traditional IRAs and Roth IRAs, and how you can stretch your retirement dollars to last as long as possible. Investing made simple: The Motley Fool's essential guide to investing is now available to the public, free of cost, at http://bit.ly/1atRpHZ. This resource was designed to cover everything that new investors need to know to get started today. For your free copy, just click the link above. Visit us on the web at http://www.fool.com, home to the world's greatest investing community! ------------------------------------------------------------------------ Subscribe to The Motley Fool's YouTube Channel: http://www.youtube.com/TheMotleyFool Or, follow our Google+ page: https://plus.google.com/+MotleyFool/posts Inside The Motley Fool: Check out our Culture Blog! http://culture.fool.com Join our Facebook community: https://www.facebook.com/themotleyfool Follow The Motley Fool on Twitter: https://twitter.com/themotleyfool
Views: 998 The Motley Fool
Andy: Welcome back. All during July we're talking about retirement here on our Money Monday segment, and making sure you are prepared for the future. We're joined today by Matt Meese. He's the sales manager for investment and insurance with Mountain America Credit Union. All right Matt, I got to ask because it may seem obvious, but tell us why planning for retirement, it's so important. We hear about all the time, we're inundated with the commercials, but why is it so important that we start planning and start planning early? Mike: It's so important because of the financial landscape has changed dramatically in the last few years. Pensions and other guaranteed sources of income are not as common as they used to be. Social Security's in question. A lot of that has placed the responsibility back on us as individuals to save for retirement. Andy: Even the things that are there are not necessarily guaranteed, when you think about the Social Security. Things can frankly change with your company. They can do away with pensions and things like that, too. Mike: Yep. Andy: Last week we talked about 401Ks and IRAs. Easy question here: What do you do if you don't have one out there, a 401K right now? Should you panic if you're in your 40s or maybe getting close to the age where you want to start thinking about getting out of the workforce? Mike: 401K's the most common type of retirement savings account and, even though that's the most common, not everybody has a 401K. To answer your question, don't panic, but yes, do plan. The 401K, even though it's employer-sponsored, some people may be self-employed, may be working for a small employer, and don't have access to a 401K. That's the time to look at other options. Andy: I think if small business owners and maybe people who're employed on their own, what's the best way to get started if you're not working for a large company and you don't have an employer match type program? Mike: The first is to open an IRA, an individual retirement account. As we spoke last week, that IRA, you can contribute up to $5500 annually. If you're over 50, you can contribute $6500. In a traditional or a ROTH IRA, you're committing dollars to that long-term retirement goal. Any time after 59.5. With a traditional and ROTH, the difference is when do I pay the taxes? With a traditional, I defer until sometime after 59.5. With a ROTH, it's just the opposite. You pay the taxes today and then don't pay any taxes after 59.5. Andy: I always get nervous when I think about that. For even myself, it's like when is the money going to be worth more? Now or later? Depending on when you pay the taxes. Mike: Right. Andy: It's a tough decision I guess you have to make. Mike: It is. It's a tax decision. Do I want to take the pain today or do I want to defer it later? Everybody's situation's a little bit different. I think that's again where you'd want to look at other options and really explore what fits my situation best? Andy: All right, Matt Meese here from Mountain America Credit Union. More information at MACU.com, if you'd like to check it out. Tons of resources, guys, and we talk about it every Money Monday here on the Browser 5.0. Thanks Matt. Mike: Good to see you Andy: All right. Over to you, Gloria. Gloria: Okay, here's-
Views: 51 Mountain America Credit Union
How to transfer a 401k to IRA – What is a 401k to IRA transfer? http://www.RetireSharp.com 1-800-566-1002. What are the best types of transfers regarding 401k to IRA for retirement and learn how you can avoid the most common mistakes that individuals make when looking to transfer 401k account into IRA retirement accounts. What's the Best Way to Roll Over 401k to IRA? Discover Some Winning Tactics If you're wondering; what's the best way to roll over 401k to IRA accounts, you are probably changing jobs. During this time of transition, you need fewer headaches, not more. The information in this article will, at least, help you make the transition to a new retirement account, painlessly. There are two basic types of IRS approved individual retirement accounts with tax advantages. They are the traditional and the Roth IRAs. Rolling over from a 401-K to a traditional account is fairly simple. As long as the assets are transferred from one account to the other or you deposit the assets into a new account within 60 days, there are no additional tax considerations. Transferring from a 401-K to a Roth is a bit different. Contributions to a 401-K or a traditional IRA are made with "pre-tax" dollars, meaning the contributions reduce the amount of taxable income that you have for the applicable year. Roth contributions are taxed as regular income. So, what's the best way to roll over 401k to IRA accounts of the Roth type? That depends on when you are reading this. At the time of this writing (2009), there are income and filing status restrictions to consider. Starting in 2010, those restrictions are lifted. You can open a Roth, regardless of your current income or filing status. The main thing that you need to consider is whether you want to pay taxes, today, or after you retire. If the contributions in your current account were made with pre-tax dollars, then any amount that you transfer to a Roth will need to be added to your annual income for the year. But, earnings within the account are tax-free and qualified distributions are never taxed. Here's another question. What's the best way to roll over 401k to IRA accounts that are self-directed? Self-directing has become increasingly popular over the last few years, as investors are looking for unique opportunities that are not usually offered by financial institutions. Self-directing allows you to use the account to purchase real estate, tax liens, mortgage notes and other similar financial instruments. The account can be used to loan money, too. You can earn interest equivalent to or greater than what banks charge for loans. That interest rate is always higher than what you would earn from a CD or other interest bearing account. So, what's the best way to roll over 401k to IRA self-directed funds? You simply need to do some comparative shopping. Choose a financial institution that has offered self-directed investing for many years. Make sure that they allow all of the different investment types that are allowed under the current tax law. Find out what kinds of transaction fees that they charge. Look for a company that charges a reasonable annual fee for providing IRS documents and doing other paperwork. What's the best way to roll over 401k to IRA? This article covers your options, but you might want to learn more about your investment options, before you make the change. Feel free to subscribe to our YouTube channel and receive instant access on different retirement related topics. Thanks for watching! Related Search terms: How to transfer a 401k to ira Transfer 401k rollover to ira Transfer 401(k) to ira Transferring a 401k into an individual retirement account How to transfer a roth 401k to a roth ira Best 401k to ira transfer for retirement planning vs transferring 401k to ira for retirement income planning https://www.youtube.com/watch?v=IsAkVtifVhU
Views: 377 retiresharp
In this video, I cover 2 last minute tax saving strategies related to contributions to a traditional individual retirement account (IRA) and a health savings account (HSA). IRA Contribution Limits: https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-ira-contribution-limits Music: Little Friends (www.hooksounds.com) This video is for entertainment and informational purposes only and should not be considered tax advice. By watching or commenting on this video, we are not forming a professional relationship. If you seek specific tax advice, please consult a CPA from your local area.
Views: 76 simpleetax
With every generation living longer than the one before it, strategic retirement planning is more important than ever. In addition, more and more adults are finding themselves sandwiched between supporting their children and their parents, as well as addressing their own financial security needs. Watch this 30-minute webcast to: • Learn how to protect yourself from one of the most significant risks to your retirement income: the impact of a long-term care event. • Understand the effects of caregiving on physical, emotional and financial levels. • Find out how a good plan can reduce the burden on your loved ones. • Get first-hand insight from New York Times best-selling author and Women Against Alzheimer’s co-founder, Meryl Comer.
Views: 2569 NorthwesternMutual
Self Directed IRA Beneficiary Guidelines - Find out more at: http://www.sunwesttrust.com/news/self-directed-ira-beneficiary-guidelines.html If you have a self directed IRA, be sure to plan ahead for your loved ones. But what if you’ve received an inherited self-directed IRA? Check out this episode of Tuesday @ 2 for beneficiary IRA guidelines that everyone who has a self directed Roth IRA or any other type of IRA must know. When planning for the future, be sure to tell your beneficiary anything they may need to know. It can be difficult to face the inevitable fact that we won’t be around forever, but you don’t want to leave your loved ones with no idea about inherited IRA laws. In some cases, a beneficiary may not even know the first thing to do with a self directed IRA LLC! Upon inheriting an IRA, the beneficiary must provide their custodian with the death certificate, and then the custodian can help set up an inherited IRA account. After the beneficiary acquires a CPA or tax professional, they can take a look at the beneficiary IRA options for distribution. There are three inherited IRA options for spouses: You may either take over the IRA as your own, or take it out as an inherited IRA lump sum(paying any necessary taxes), or take it out over 5 years. The inherited ira payout options for a non-spouse are to either take it out over 5 years, or take out over the beneficiary’s lifetime. Be sure to contact a tax professional to help decide which of these IRA beneficiary strategies is best for you. Take a look at your assets themselves. Will you need to liquidate IRA assets? Do your self directed IRA assets generate income? They may not be marketable or easy to liquidate, so make sure you have a professional help you understand your inherited IRA account options. As a self directed IRA account holder, it’s your responsibility to think ahead for your beneficiary’s sake. Be sure to stay tuned for more episodes from Sunwest Trust’s Tuesday @ 2, as we explain more about providing for your loved ones!
Views: 508 sunwestira
Broken Eggs Awakens America to the Looming Retirement Crisis What was once a life ending in happily ever after is now a life ending in working ever after. If retirement feels more like a fairy tale, it is in the feature-length documentary Broken Eggs. The film takes a rare look at one of the gravest social issues facing an aging America – the grim irony that even as we live longer, a growing number of Americans are falling short of a secure and comfortable retirement. And the prognosis is even worse for future generations. “Broken Eggs blends comical animations with unforgettable portraits of everyday Americans reckoning with their inability to retire.” Social Security is 20 years short of insolvency; pensions are largely underfunded and in sharp decline; and personal savings are at historic lows. Unlike any documentary of its kind, Broken Eggs blends comical animations with unforgettable portraits of everyday Americans reckoning with their inability to retire. Audiences of every generation will leave rattled and ready to put their Nest Egg back together again. The hard-hitting documentary also features wide-ranging, high-profile interviews with economists, policy makers and financial experts, all who confront the undeniable, but often ignored facts that have put the American dream of retirement in jeopardy. Social Security is projected to be insolvent in 2033. In 1950, there were 16.5 workers for every Social Security beneficiary. Today, there are less than 3 workers paying in for each recipient. Company-sponsored pensions have been in rapid decline since the 1980s. Today, less than one out of every five private sector employees has a pension. As a group, American workers are estimated to be $6.6 TRILLION short of what they need to retire comfortably. 10,000 Baby boomers are reaching “retirement age” every day. 40 percent of Baby boomers expect to work “until they drop”. Almost half of American workers have less than $10,000 in savings. Americans who make it to age 65 today can expect to live roughly 18 years more. That’s six years longer than Americans who made it to age 65 in 1940. What the experts say… Economist Teresa Ghilarducci with The New School of Social Research has studied the savings and assets of future retirees. Her startling findings show that working Americans are actually “going backwards” – the first time since Social Security was passed in the throes of the Great Depression. “Most Americans who were middle class when they were working all their life are going to be poor or near-poor retirees,” says Ghilarducci. “We’re going to have massive downward mobility. That you’re middle class all your life, and you now find yourself to be really in a chronic state of want and distress about finances. And it gets worse as you get older.” And Social Security – what was meant to be a backstop to prevent people from falling into poverty in old age – is on the brink of insolvency by 2033, according to the program’s own administrators. Social Security is not only bankrupt, it’s bankrupting future generations, says Laurence Kotlikoff, author of The Clash of Generations and a professor of economics at Boston University. “We’re not measuring what we’re doing to our kids. We’re not talking about who’s going to pay for a different generation’s benefits,” Kotlikoff says. “Most Americans who were middle class when they were working all their life are going to be poor or near-poor retirees,” says Ghilarducci Turning America’s retirement prospects around is the chief responsibility of Mark Iwry, a senior adviser to the U.S. Treasury Secretary on retirement policy, and the country’s likely architect for retirement savings of the future. Iwry is determined to change America’s saving habits through automatic enrollments in individual retirement accounts or “auto-IRAs” for those who currently don’t have access to employer-sponsored plans. “We can make it easier still for people to save,” Iwry says, “and thereby get many more of our fellow citizens on a path to having adequate retirement security. Right now we’re not on that path. Too many people are just not saving enough.” Want to learn more? Visit www.myubiquity.com or call 855.401.7253, Option 3. Or visit us on social media: https://www.facebook.com/ubiquitysavings https://twitter.com/ubiquitysavings https://www.linkedin.com/company/ubiquity-retirement-savings/
Views: 191198 Ubiquity
Taxes are a fact of life – and they don’t retire when you do. With today’s unpredictable tax codes, how can you better prepare for your income needs in retirement? Investment Strategist Scott Thoma explains how tax diversification works. What is tax diversification? You simply invest in accounts that are taxed differently. A good example is how taxes are handled with traditional and Roth Individual Retirement Accounts. When you contribute to a traditional IRA, you may be eligible for a pretax deduction, and you delay paying taxes on that money until you withdraw it in retirement. With a Roth IRA, there is no current tax deduction on your contribution, but you can generally withdraw funds tax-free in retirement, provided you meet certain criteria. One consideration is what you expect your tax rate to be in retirement: • If you expect it to be higher, you may want to contribute more to a Roth IRA now. • If you expect it to be lower, you may want to contribute more to a traditional IRA now. Importantly, contributing to either type of IRA doesn’t have to be an “either/or” decision – if you’re eligible, you can own and potentially contribute to both Roth and traditional retirement accounts. Talk with your tax professional and financial advisor before deciding whether to invest in a traditional or a Roth IRA. What if you’re already retired or close to it? The amount you withdraw from your investments may be the most influential factor in how long your money will last – but you should also pay attention to the order in which you withdraw this money. By using tax diversification, you can structure your withdrawals to potentially reduce taxes and increase your amount of after-tax spendable income. As a general rule, we suggest the following order: 1. Required minimum distributions 2. Dividends and interest from taxable accounts 3. Taxable accounts themselves – especially those that may have experienced losses 4. Tax-deferred accounts, such as a traditional IRA 5. Tax-free accounts, such as a Roth IRA Keep in mind that this sequence is just a guide. The account you withdraw from may vary from year to year depending on your tax situation. For example, you may decide to withdraw from a Roth account earlier if this would prevent you from moving into a higher tax bracket. And it’s always important to ensure you maintain proper balance between your stocks and bonds. Therefore, we recommend discussing this with your financial advisor and tax professional.
Views: 1716 Edward Jones
With a Life2 that could last almost as long as your working life, what are the key things you need to think about and how can you plan the income you need for the retirement you want. Find out more
Views: 34760 Old Mutual Wealth
"I forgot to take my 2017 Required Minimum Distribution...what do I do now?" A Required Minimum Distribution - RMD - is the amount of money you are required to take out of your retirement accounts once you turn 70 1/2. There are a few "tricky" situations to look out for: --when you are still working and have a 401K, --the first year you turn 70 1/2, --if you are inheriting an inherited IRA - just dealing with this situation now --inheriting a Roth IRA ...so if you aren't sure about your situation...message me
Views: 55 Maryland Financial Advocates
Watch:- Live Update On #GujaratHatePolitics - http://bit.ly/GujaratMassExodus #TanushreeVsNanaPatekar - http://bit.ly/TanushreeVsNana Also watch - Rafale Controversy - http://bit.ly/RafaleControversy #PutinInIndia - http://bit.ly/VladimirPutinInIndia Republic TV Live Updates - http://bit.ly/LiveNewsUpdate Latest Debates ► httap://bit.ly/TheDebateFull Subscribe Now For More Latest News & Updates ►http:/a/bit.ly/2gWogFc Follow us on Instagram►http://bit.ly/2hRufZS
Views: 14314 Republic World
Today we are talking about setting goals. I am a certified ‘goal getter’. 😀 I am all about setting goals, reviewing those goals, and most importantly achieving those goals. 🍾 I wasn’t always like this. There was a time where I would do my New Year’s resolutions and set goals, but I usually didn’t review them until the next year. It wasn’t until I joined a business coaching program that emphasized the importance of setting and reviewing goals more than once a year. Now, it is no surprise that most rich people are reviewing their goals and making goals. Author Thomas Corley, Rich Habits, found that 62% of all rich people not just set goals but they review them every single day. When is the last time you reviewed your goals? 🤔 If it wasn’t today or yesterday then chances are you are not on that path to building financial freedom. I know it can be hard to believe that you can become rich. We are conditioned to believe that we are stuck where we are now. I want to challenge you that you are not Stuck! You don’t have to be poor the rest of your life. You can achieve wealth, you can achieve freedom. It all starts with setting goals and working towards achieving them. 😀 Today I am going to give you my top 10 financial goals that you can start working on today. ➡️ 1. Have plenty of cash on hand [2:23] - We want to work towards $1,000. ➡️ 2. Have a debt reality check and a debt payoff plan [4:10] - You may think it is impossible to become debt free. It’s not, but you have to have a reasonable payoff plan. ➡️ 3. Plan an early retirement [5:21] - You have to decide when you want to retire, and then determine how much you need to save. Then, you have to start investing. ➡️ 4. Seek out mentors to help with your wealth building goals [7:34] - Whatever lifestyle you want to achieve, who do you know that has the level of success that you would like to emulate. ➡️ 5. Get your insurance in check [8:25] - Make sure you have the right kind of insurance to save you from financial catastrophes. This could include life insurance, auto insurance, homeowners insurance, etc. ➡️6. Build Multiple Streams of Income [9:41] - This is not something that happens overnight. You have to put in the work and build a business that allows for these multiple streams of income. ➡️ 7. Finding Content with what you have [12:53] - You have to learn to live on less. Be happy with what you have and don’t feel like you need to constantly buy the newest biggest things out there. ➡️ 8. Give Back [14:39] - Giving back could include donating money, time, or knowledge. You can help others achieve success. ➡️ 9. Get your financial house in order [15:32] - Do you have a will? Do your loved ones have access to your accounts? Make sure all of this is in order. ➡️ 10. Do the work you love [16:18] - Have an understanding of what brings you joy. Then start working towards doing the work that you love. Those are my top 10 wealth building goals. If you are 20-30 years old and you don’t know where to start...I’ve just given you 10 goals to start on right now. 😀 Maybe you already are working on some of these goals? If so, let me know where you are in your process. What have you achieved? What are you struggling with? 🤔 Let us know in the comments so we can help you achieve them. ★☆★ Want More Good Financial Cents? ★☆★ 💻 Check out my blog here: https://www.goodfinancialcents.com/ Listen to my podcast here: 🎙 https://itunes.apple.com/us/podcast/good-financial-cents-podcast-investing-building-wealth/id775107294?mt=2 Pick up my best selling book, Soldier of Finance, here: 📗 http://amzn.to/2xOH78V Connect with me on Twitter: https://twitter.com/jjeffrose My most favorite inspiration T-shirt line, Compete Every Day: 👕 https://www.goodfinancialcents.com/compete
Views: 110015 Jeff Rose
Here's the link that goes with the video: http://bit.ly/2A6uXMe GET involved in the Trade Genius Academy: https://tradegenius.co/ Call 1-800-949-1408 ((Mention Lisa Haven For a Bonus)) SIGN UP WITH VIRTUAL SHIELD: http://www.hidewithlisa.com GET TRUMP COIN: https://trumpcoin2020.com/ (Get $5 Off Using Code: lisa) GET STARTED WITH NOBLEGOLD: https://get.noblegoldinvestments.com/gold-ira-guide/?offer_type=gold&affiliate_source=affiliate_lisa_haven CALL NOBLE: 1-888-596-7916 Get the NobleGold Free E-Book: http://go.noblegoldinvestments.com/government-lies-exposed-ebook-part-ii?affiliate_source=affiliate_lisa_ Get The Tea: https://getthetea.com/ Get Food Storage: https://www.PrepareWithLisa.com Or Call My Patriot Supply at 1-888-204-0144 DONATE To Lisa Haven Via Patreon: https://www.patreon.com/lisahaven DONATE Via-Bitcoin: 1KCxsVFgpoSV5v3n4yYaFC5XPegXNBWgVB DONATE Via-Litecoin: LNDZVf2Ysp55j3Ra89aM74F22S4baqBEet Subscribe to My Website at: http://lisahaven.news/ Subscribe to My Backup Channel: https://www.youtube.com/channel/UCqrfQtkbIsQ6p3hC8oKH99w Like Me on Bitchute/Real.Video/Minds: https://www.bitchute.com/channel/qbnhKthU5W7Z/ https://www.real.video/channel/lisahaven https://www.minds.com/LisaHaven For More Information See: https://goo.gl/R5SBym https://www.realclearpolitics.com/video/2018/06/25/maxine_waters_god_is_on_our_side.html http://lisahaven.news/2018/09/busted-deep-state-exposed-by-socialist-within-project-veritas-bombshell/ https://www.foxnews.com/politics/hillary-clinton-democrats-cannot-be-civil-with-republicans-anymore Like Me On Facebook/Twitter: https://www.facebook.com/pages/Lisa-Haven/194854627280186?ref=hl https://twitter.com/Lisa_Haven
Views: 57943 Lisa Haven
Learn how to invest in gold with a precious metals IRA at http://gold-ira-plan.com or by calling our Gold-IRA-Plan Regal Assets readers exclusive toll free number at (844) 402-2177. Find the best retirement strategy. Gold-IRA-Plan.com is an informational and educational resource that assists you in your research for the best retirement strategy. My grandmother was an amazing, retired New York city schoolteacher, who respectfully enjoyed one of those incredible pensions of legend. During the economy collapse of 2008, Grandma lost over half of her monetary wealth. Grandma was one of the lucky ones though, because she was still able to cover the cost of top-notch assisted-living, which eventually became a full-fledged nursing home for Grandma. In Grandma’s last days, I was just glad that she could live out the rest the rest of her life, comfortably, with her compassionate, loving family close by. Grandma on the other hand, was comfortable, rest-assured, with both her living arrangement, and with the fact that she would leave something behind, for her legacy. You know, the billionaire hedge fund managers, don't actually think like you and I do. They don't focus on making money; they focus on not losing money. Warren Buffet, net worth upwards of $60 million dollars, tells investors the first rule of investing is, "don't lose money". Ray Dalio's Bridgewater & Associates fund manages upwards of $150 billion dollars in assets. In Tony Robbins book, "Money: Mastering the Game", Tony espouses Ray Dalio's All-Weather or All-Season approach, for diversification of your portfolio to preserve your wealth and protect your legacy. Ray Dalio divides his portfolio up into six major sectors, with 15% of his fund's portfolio, being invested in physical gold. Now yes, there are gold stocks, but paper gold has its disadvantages, as companies who have sold gold stock in the past, leveraged the gold, did not actually have the gold, and when shareholders attempted to claim their, the companies ultimately went bankrupt, leaving the shareholders with nothing. IRS-approved physical gold can be held in a tax-advantaged Self-Directed IRA, which can save you hundreds of thousands of dollars, in compounded interest, even millions, but must be held in the vault - which you have access to - of an IRS-approved Gold IRA Trustee or Custodian. Gold-IRA-Plan.com can assist and aid you in your research, to discovering how a Gold IRA, otherwise known as a Self-Directed Precious Metals IRA, or Gold 401k Rollover, which can help you preserve your wealth and protect your legacy. Come visit the Gold-IRA-Plan.com website now, to read about how to preserve your wealth and protect your legacy, with an IRS-approved, Tax-advantaged, Gold IRA Plan that can save you hundreds of thousands of dollars, even millions, for your retirement. It seems like these days, everyone is plugged into some form of technology, and we simply just forget how great it is, to connect with a live person, head-to-head. Now, if you're like me, and your eyes don't do so well staring at a computer screen, reading small text for several hours, you might prefer to speak with someone directly, instead of trying to read everything first for yourself. Well, the good folks down at Regal Assets have set up a toll free number, for Gold-IRA-Plan.com readers, that will let you talk to the great people at Regal Assets, and ask them all the questions that you'd like to ask, about setting up a Gold IRA, Gold IRA Rollover, or Gold 401k Rollover. Regal Assets is a top notch Gold IRA company, with an excellent rating from the Better Business Bureau, TrustLink and Business Consumer Alliance. You can read our review of Regal Assets at Gold-IRA-Plan.com, as well as the numerous reviews from ecstatic clients, from the Better Business Bureau, TrustLink and Business Consumer Alliance. Go ahead, give them a call. They've got a whole room full of people, who are there just to talk to you. Give them a call. They're happy to answer all of your questions. The Gold-IRA-Plan.com exclusive readers toll free number for Regal Assets is (844) 402-2177. And Regal Assets is not the only great Gold IRA company out there, there are some other great ones out there too like: American Bullion http://gold-ira-plan.com/american-bullion-review/ GoldBroker http://gold-ira-plan.com/goldbroker-review/ As a matter of fact, do not invest a penny, if you have not spoken, at length, with at least three Gold IRA companies, and thoroughly reviewed their customer reviews and ratings. Call Regal Assets and they will send you the Best Gold IRA Kit and Guide. Chris http: gold-ira-plan.com 1 (844) 402-2177 The owners of this website may be paid to recommend Regal Assets. The content on this website, including the positive review of Regal Assets, the negative review of its competitors, and other information, may not be independent or neutral
Views: 184 Gold-IRA-Plan
401(k) plans are a popular way to save for retirement, but when compared to a Roth IRA, which is the better choice? Find out in this episode of Ray Lucia's Boomers & Beyond. For more videos, visit http://www.raylucia.com and http://www.therayluciashow.com
Views: 385 Ray Lucia
Gold IRA | Visit http://GoldNRocks.net to receive your FREE Gold Investing Kit! The U.S. is already $14 TRILLION in debt and the government continues to print more money. The U.S. Dollar is destined to fail. During the next 5 to 10 years when $1 dollar is worth just 10 cents, what will you do? How will you survive? You need to plan ahead. You need to take action now. If you put $10,000 into gold in 2002, it would be worth $63,000 today. That's over 600% return on investment. Gold is the purest form of money. Gold is the ultimate asset. Gold stands strong. Will you own GOLD? Why should you buy Gold? There are two proven ways to invest in Gold. 1. Physical Delivery of Gold The most popular way to invest in gold is to purchase gold bullion and gold coins and take physical delivery. Being easy to monitor and trade, gold bullion is minted specifically for its gold content and trades close to the spot price. Unlike most traditional investments, gold maintains its purchasing power and has done so over the last 5,000 years. 2. Gold Retirement Account A Gold IRA can reduce the volatility of your retirement portfolio. If you purchased $10,000 worth of gold bullion coins in the early 1970's and held it during the oil crisis, inflation, Savings and Loan scandal, tech and internet bubble, 9/11, real estate bubble and current recession, you could sell that gold investment today for $305,715.00... For more information about gold investments or to receive your FREE Investors Kit, visit http://GoldNRocks.net/free-investment-kit to contact a specialist today who can answer your questions about a Gold IRA and your retirement. http://www.youtube.com/watch?v=FKXyk3lDs78 Additional related terms: 401k rollover buy gold buy silver gold gold 401k gold backed ira gold bars gold bullion gold coins gold for ira gold in an ira gold in ira gold ingots gold investing gold investment gold investment ira gold investments gold ira gold ira account gold ira companies gold ira investing gold ira investment gold ira investments gold ira rollover gold iras gold prices gold regal gold roth ira how to buy gold how to invest in gold invest in gold investing in gold investing in gold ira investing in gold with ira investing in ira investment ira ira backed by gold ira gold ira gold investing ira gold investment ira in gold ira investing ira investment ira protection ira roth investment palladium physical gold ira platinum precious metals precious metals ira regal assets regal gold retirement protection rollover ira to gold roth ira gold investment silver silver ira what is a gold ira why buy gold
Views: 1112 goldirainvestments
Sub Headline: Retirement Assets Can Be Converted to Guaranteed Periods of Income or Lifetime Income Synopsis: One of the biggest challenges you’ll face in retirement is managing your money so that it will last for the rest of your life. There are some questions to consider as you create your retirement plans. Watch part 5 Purchasing Blocks of Retirement Income from the series Annuity Retirement Income with syndicated financial columnist and talk show host Steve Savant. Content: Here are three basic questions you need to answer before moving forward with an annuity purchase. 1. What effect will taking money out of your various retirement accounts have on their continued ability to grow and provide income for as long as you live? 2. What part of your income can you count on and what part is less predictable? 3. How diversified are your income sources? Are you too vulnerable to major changes in the economy, including declining interest rates? One relatively new long-term planning tool is an insurance company product known as a longevity annuity or deferred income. These annuities resemble pension annuities from an employer’s defined benefit plan or the fixed immediate annuities that you might purchase when you retire. The insurance company, in return for a lump-sum payment, promises to pay income for your lifetime. The difference is that the income doesn’t start right away, or within a year of purchase, as it does with a pension or an immediate annuity. Rather, the starting date is a number of years in the future, based on the age you select. It just can’t be older than 85. You may purchase a longevity annuity through your investment professional or directly from an insurance company. Or, you may make a lump sum transfer within a tax-deferred IRA or employer- sponsored retirement savings plan, as long as the plan includes this type of annuity in its menu of options. One of the key benefits of owning a longevity annuity within a tax-deferred plan is that the US Department of the Treasury has ruled that a longevity annuity’s account value is exempt from the required minimum distributions (RMD) that applies to tax- deferred IRAs and employer plans once account holders turn 70 1⁄2. QLACs are limited to 25% of your qualified retirement plans, not to exceed $125,000. By deferring these monies, you may pay lower ordinary income taxes during the deferral, which in turn may lower your exposure to taxation on your Social Security benefits. Contributions from the book Guide to Understanding Annuities in this press release are used with permission from Light Bulb Press. Syndicated financial columnist, talk show host and popular platform speaker Steve Savant features Annuity Retirement Income. Steve Savant’s Money, the Name of the Game is an hour-long financial talk show for financial professionals distributed online in 5 ten-minute video press releases Monday through Friday through Trans World News 280 media outlets, social media networks and industry portals. (www.lifesizesolutions.com) https://youtu.be/rYjYVRdYdVs
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