Financial Planning - Main Page

Do you have a question? Post it now! No Registration Necessary

Financial Planning Financial planning in general. (Moderated). This forums is a Web, RSS and Social Media interface to misc.invest.financial-plan.
There are 17411 articles in 2119 discussions. See the most recent and the best rated articles in Financial Planning below

The most recent discussions

RE: IRA Tax


February 2, 2015, 11:43 am

My wife, when she retiured in 2006, rolled over her IRA into a bank sponsered IRA. She invested $15,600 +/- at the time and was charged a 5 1/4% commision so her actual investment was $14,800 +/-.... Read more »

RE: IRA Value


February 2, 2015, 11:43 am

Yje wife is 73 and I am 69. She has an IRA that was strated by one of the companies she worked for before she retired @ 62. It rolled over @$15,500 and the mutual fund took 5 1/2% or about $14,80... Read more »

Only silver plan rebates OOP, unaffordable care act


December 1, 2014, 1:39 am

To cover a scenario where your income falls off a cliff next year - whether loss of job or big capital losses - it sounds like it may be important to be covered by an extortionate SILVER health plan ... Read more »

Trust Book Suggestion Explaining Options For A Trust For Grandson ?


November 3, 2014, 11:38 pm

Hello, Am pushing 80 now, and have a 4 yr old Grandson. Sure helps in keeping one young ! Am thinking that I would like to set up some kind of Trust for him. Know nothing about Trusts, and will c... Read more »

The Rise of the Robo-Advisors


October 31, 2014, 7:34 pm

Feedback, as always, very much welcome. --David Financial Planning versus the Robo-Advisors Posted by David on October 31, 2014 ? Leave a Comment It seems that every day there's another headline... Read more »

Asset Placement into Various Account Types


October 31, 2014, 7:34 pm

I want to establish the following asset allocation: 15% domestic large cap stock etf 15% domestic small cap stock etf 10% international large cap stock etf 10% international small cap stock etf ... Read more »

FDIC and NCUA insurance limits for trust accounts


September 1, 2014, 4:58 pm

A living trust document specifies 15 beneficiaries, with a first group of three beneficiaries getting a specific distribution of $xx each (relatively small in the grand scheme) and a second group... Read more »

How quickly should capital gains be realized in a taxable account?


August 29, 2014, 3:12 pm

Suppose one has $300,000 in taxable gains consisting of stock held a long time. Realizing the entire $300,000 would result in a large tax bill and higher tax prepayments in the current and the follo... Read more »

More than you wanted to know about non-transparent ETFs


July 30, 2014, 8:09 pm

A very informative article on non-transparent ETF. (Not that I personally see the point of them). http://www.klgates.com/files/Publication/988b8d16-4819-457c-bfd2-0345d7652754/Presentation/Publica... Read more »

Retirement spending and happiness


June 26, 2014, 2:47 pm

Fidelity at https://www.fidelity.com/viewpoints/retirement/what-to-spend-in-retirement says, Our rule of thumb is that most people can expect to spend about 85% of their after-tax working income in ... Read more »

Click here for other recent discussions »

The best rated discussions

rating
5

Annuity vs Managed Payout


Have about $400K in 401k, diversified, but just sitting there since retirement 2 yrs ago. A broker/advisor is pushing me toward AVIVA IncomePlus Fixed Deferred annuity- Indexed fund w/Lifetime Pay... Read more »

rating
5

Rules change on 529 plans on FAFSA applications?


I've heard it stated for several years (perhaps erroneously) that 529 plans (both regular and 529/UTMA) don't get included on the FAFSA finaid application. However, I was just looking at the 2011-201... Read more »

rating
5

Life insurance vs. 529 plan


I've just had a fascinating e-mail. A grandparent had mentioned to a friend (who happens to sell insurance) that he was thinking about starting up a 529 for his recently born grandchild, as he'd don... Read more »

rating
5

Economics of retaining an older car, versus a buying a new car

  [ 2 ]

My wife and I are planner, saver types; we also had good fortune of being born to families who stressed hard work and education and as a result, we both have good careers, and have become financially... Read more »

rating
5

Upside down options


I am upside down due to the market even though I went in with 20% down. I pay regularily and even pay down principle on a regular basis. Besides something catastrophic, this trend will continue inde... Read more »

rating
5

401k rolled into a Roth IRA or traditional ira?


I will soon have to make a decision on my 401k plan.My company was sold to a private firm and I need to roll my 401k into a IRA or even another 401k.My question is this.....are there any restrictions... Read more »

rating
5

A tool for comparing mutual funds and etfs


An experimental tool I created is available: http://stockato.com/ The user needs to specify the symbol of one mutual fund/etf to receive similarly behaving other financial instruments. In case simila... Read more »

rating
4.5

making annuity liquid


I have a Jackson Perspective L Series Fixed & Variable Annuity. I'm age 65. Wanted to annuitize so I can start withdrawing money each year but agent told me annuitizing right now with low interest ... Read more »

rating
4.5

Life Expectancy table?


Can someone provide a pointer (specific URL) for the 2000 Individual Annuitant Mortality Table, aka the RP 2000 Life Tables, provided by the Society of Actuaries? I could not find it at www.soa.org. ... Read more »

rating
4

Vehicle Loan vs Home Equity Loan


We have a truck loan at $29,000 at 3.9%, payment about $690/mo. I was thinking about transferring that debt to a fixed rate 8% home equity loan for 10 years after paying it down to $25,000. That woul... Read more »