Resources - Retirement Planning

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Can I Make a Mega Backdoor Roth IRA Contribution?

Retirement Planning July 14, 2020

In certain cases, you may be eligible to make a Mega Backdoor Roth IRA contribution. At a high level, this involves making a non-Roth, after-tax contribution to your 401(k), then rolling it out of the 401(k) into a Roth IRA.

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Should I Consider Doing a Roth Conversion?

Retirement Planning July 14, 2020

There are a lot of important considerations to weigh before doing a Roth conversion. As a result of the current market condition and changes due to the SECURE Act, Roth conversions are becoming an important strategy that advisors are discussing with their clients. This flowchart addresses some of the major decision points to help guide clients through the conversation. This flowchart covers: Changes in marginal tax rates for clients (or their heirs) Ability to pay the associated tax with cash outside the retirement account Five-year rule implications Impact of income-based programs (IRMAA)

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Five Reasons You Should Prepare for Retirement Before Your Child's Education

Retirement Planning May 09, 2017

One of the toughest choices parents face is whether to devote their resources to retirement or their child's education. They know they would cover both if possible but there is usually a finite amount of resources in every household. If you had to save for just one goal, which is better? Retirement or a Child's Education?

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The Election - A Week of Surprises

Investments November 14, 2016

Last Tuesday, many Americans watched in great surprise as Donald Trump won our presidential election. Just that day, the New York Times had placed Hillary Clinton's odds of winning at 85%, based on a range of state and national polls. But, like the Brexit vote this past June, 2016 seems to be the year of unexpected outcomes.

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