Strategies
December 31st, 2009
(Tad Majerek) - Is it possible to put more away in your retirement plan.
Yes, with the Cash Balance Plan. The CBP is a hybrid of a traditional defined benefit plan and a 401(k) plan. This combination is often a good fit for professional service organizations, such as doctors groups, law firms, consultants and high net worth business owners of closely held companies which have demonstrated a consistent profit pattern and will continue to do so for several more years. The Cash Balance Plan offers an enhanced retirement vehicle which allows for accelerated retirement savings, while taking advantage of potentially tremendous tax benefits. Depending on the situation as much as $200,000 per individual.
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Tags: 401 k plans, asset protection, business owners, cash balance plan, cbp, creditor, defined benefit plan, law firms, maximum contribution, participant, pension benefit, professional service organizations, profit sharing plan, respite from, retirement plan, retirement savings, retirement vehicle, tax basis, tax deductions, welcome respite
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| Posted in Retirement, Strategies |
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December 7th, 2009
(Michael Schwartz) - CHARITABLE CONTRIBUTIONS
As a general rule, you may deduct the full amount of monetary donations made to qualified charitable organizations. If you donate appreciated property held for more than one year, you can generally deduct the fair-market value of the property.
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Tags: american opportunity, brief summary, charitable contributions, charitable gift, charitable gifts, education tax credits, filers, grad school, hope credit, household goods, income taxpayers, maximum credit, monetary donations, monetary gifts, opportunity tax credit, substantiation, tax breaks, tax relief, tuition bill, year end
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| Posted in Strategies, Taxes |
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November 19th, 2009
(Michael Schwartz) - Remember the movie The Money Pit where a young couple struggles to repair a hopelessly dilapidated house that literally falls in around them? That 1980s slapstick comedy may not be funny for many first-time homebuyers dealing with unexpected bills that squelch the joys of home ownership. To avoid surprises that could move you from your dream house into the poor house, follow these suggestions:
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Tags: ceiling vents, circuit breakers, drainage issues, duct work, exhaust fans, exterior elements, exterior windows, garage door openers, garbage disposal, immediate service, joys of home, money pit, ounce of prevention, pipe materials, range oven, roof construction, slapstick comedy, smoke detectors, unexpected bills, vent pipes
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| Posted in Real Estate, Strategies |
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September 25th, 2009
(Marcel Dupre) - There are many opportunities that this financial crisis has opened for us. Here are a few things you can do or we can do for you at this time:
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Tags: bond funds, capital gains tax, capital gains tax rates, client accounts, conversion, cost basis, exxon, financial crisis, fund managers, lamar, mutual funds, new president, portfolios, proceeds, raymond james, retail accounts, roth ira, smart move, stock funds, stocks
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| Posted in News and Opinion, Personal Finance, Strategies |
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September 25th, 2009
(Marcel Dupre) - You will soon be bombarded with the name “Roth” in the media because of some changes coming next year. Beginning in 2010, two important changes are scheduled to take effect for converting to a Roth.
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Tags: 10 years, adjusted gross income, assets, conversion, employer plan, higher tax bracket, income tax bracket, lifetime, minimum distributions, modified adjusted gross income, next decade, ratably, retirement account, roth ira contributions, roth ira conversions, taxable income
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| Posted in Retirement, Strategies |
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September 3rd, 2009
(Rick Willoughby) - TIC properties are best known as replacement property in a 1031 exchange. Many investors also use these acquisitions for cash and IRA investments.
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Tags: 1031 exchange, acquisitions, apartments, asset type, cash position, deferred taxation, deloitte, diversification, dividends, exchange basis, flavors, flexibility, investor, ira investment, ira investments, non recourse, office buildings, reits, senior housing, slack
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| Posted in Real Estate, Strategies |
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July 23rd, 2009
(Heidi Burgoyne) - How many people sit around dreaming of the day that they win the jackpot lottery or a long lost uncle suddenly dies leaving their entire fortune? Sudden money can come in the form of inheritance, legal settlements, stock options, sale of a business, life insurance, professional contracts and more.
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Tags: best intentions, business life insurance, depreciating assets, dreaming of the day, first friends, friendship ties, good starting point, jackpot lottery, legal settlements, lifetime opportunity, money supply, new boyfriend, new mercedes, o rama, open ended questions, personal advisor, poor business decisions, professional advisor, professional contracts, sudden money
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| Posted in Strategies |
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July 21st, 2009
(Heidi Burgoyne) - Asset Allocation is responsible for over 90% of the variance in portfolio performance. However many investors are afraid to rebalance in this market due to high volatility.
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Tags: asset allocation strategy, core strategies, financial llc, future market, investment advisor representative, investment management firm, llc services, portfolio performance, qa3 financial corp, quality investment, registered investment advisor, registered representative, risk tolerance, sec registered investment advisor, secular bear market, sipc, sound asset allocation, time horizon, volatile market, what this means
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| Posted in Strategies |
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July 20th, 2009
(Lee Siler) - Stocks had their best week in months, as some of the old school companies blew out earnings estimates. Companies like Goldman Sachs, Intel and IBM all beat a pessimistic outlook, as it seems analysts may have taken their estimates way too low. Even the banks stocks are coming in better than expected. Bank of America and Citigroup beat views despite a credit loss. Thus far, the majority of companies reporting second quarter earnings are beating views. However, it is still very early in the season. This week will be extremely busy on the earnings front, especially in the tech sector.
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Tags: Bank of America, banks, caution, citigroup, earnings estimates, Goldman Sachs, intel, momentum, old school, pessimistic outlook, profits, quality stocks, second quarter earnings
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| Posted in News and Opinion, Strategies |
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