| Learning about the benefits and protections life insurance offers is easy. And it’s the smart thing to do. Life insurance can protect the ones you love and be the foundation of your financial plan. We offer both term and whole life insurance at a price that works within your budget. You’ll have the peace of mind Serious about buying life insurance? Want more information? Fill free to contact Anthony a licensed expereience insurance representative if you're in Florida, or we’ll have one of our local, professionally-trained agents contact you –the consultation is free. |










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| Be Wiser - Smarter - & More Intelligent.. Life Insurance Is A Smart Choice But Not Only For The Smartest People; It's Pretty Much For Everyone Invest Now, Save Later Many people think they do not need life insurance as they have no children depending on them, there are actually many reasons for even childless people to invest in life insurance. - Perhaps you also may think you don't need life insurance because you are young, childless, single... and you don't plan on dying any time soon! You better think again. Ironically, this is actually the best time in your life to purchase a life insurance policy. Life insurance is typically cheapest when you're younger, healthy. Buying a policy now could protect any dependents you have in the future. If you don't have any children now, but plan on having them in future, then buying life insurance now could be a smart choice . |
| Investing Made Easier And Better With The Help Of Knowledge Financial Group - knowledgefinancial.com We are one of the largest source of smarter, wiser information when it comes to investing. We help people to better manage and grow their wealth through our internet library system. |
| Why Financial Planning Is Important? <Need> Because you have multiple needs and goals – such as the welfare of your family, education funding for your children, or a financially secure retirement – so a single solution won’t work. <Cost> Because the cost of not planning is far higher. Even the costs along the way – for investments, insurance, taxes, and other financial necessities – are less with planning than without. |
1. Develop a realistic, comprehensive plan to meet your financial goals by identifying financial opportunities and building on financial strengths 2. Put your plan into action and monitor its progress Stay on track to meet changing goals, personal circumstances, markets and tax laws Often a specific event or need will trigger the desire for professional financial planning guidance. These might include: 3. Making sure your money will last during retirement or rolling over a retirement plan 4. Handling the inheritance of a large sum of money or other unexpected financial windfall 5. Preparing for a marriage or divorce 6. Planning for the birth or adoption of a child 7. Facing a financial crisis such as a serious illness, layoff or natural disaster 8. Caring for aging parents or disabled child 9. Coping financially with the death of a spouse or close family member Funding education 10. Buying, selling or passing on a family business 11. Dealing with a complex financial situation such as calculating how long your retirement income will last or maximizing tax strategies |
| "There's no right or wrong answer about how much cash to have, but you need to be prepared in case of financial emergency or if you lose your job," ------------- Saving, you should at least be saving as much in your 401(k) as your employer matches," since every employer has a different retirement plan, you should find out how much you can contribute, and maximize your contributions up to that limit. Find out how your pretax contribution will impact your cash flow because you may be able to contribute more than you think, |
| Tax and Estate Planning Throughout Life There are many life changing events that occur in a lifetime with retirement normally being in the top five. In addition to being assured that you have accumulated enough assets for a comfortable retirement, there are also estate and income tax, portfolio allocation, and logistical planning decisions that, at times, may become overwhelming. Additional tax and estate planning are typically needed when someone has accumulated assets far in excess of what they will need in retirement and have a desire to pass their remaining assets onto their heirs. The tax planning becomes most important when your heirs have also achieved a level of success that places them into the upper range of federal taxation. There are typically three investment pools that are useful in achieving the above goal: Taxable Assets (TA) (non-retirement accounts), Tax-Deferred Assets (TDA) (annuities, qualified retirement plans and IRAs), and Tax-Free Assets (TFA) (Roth 401(k)/Roth IRA). The Roth assets are typically the best asset for an heir to inherit since they are tax-free upon distribution. The two remaining asset pools require some planning in the retirement process in order to minimize income taxes to both the owner and the intended heir. |
The planning process can begin at any time after age 59½. Attention to the Effective Tax Rate (ETR) is the key in deciding when to distribute assets from TDAs. Traditionally, we have always been told to delay distributions from TDAs for as long as possible. However, if the owner will move to a significantly lower tax-bracket upon retirement and the intended heir will remain in a high tax-bracket, then it may make sense to distribute assets from the TDA as early as age 59½, especially if the TDA accounts are larger than the TA accounts. Distributions from TDAs and TAs are treated differently under the federal tax code. TDA distributions are taxed as ordinary income while TAs have a mixture of ordinary income and capital gains tax treatment. Upon death, the TDA will still maintain its ordinary tax rate while TAs will receive a stepped-up basis. |
| Financial Advisor, Retirement Planner, Insurance Advisor and wealth manager. Knowledge Financial Group can Connect You to Local Financial Professional --------------------- Our free consumer service connects individuals, seniors, retirees and families like yours to the right investment experts . |
| Estate planning And Living Trust, Essential Guide To Financial Planning A solid financial plan starts with protecting your assets. Such a basic first step is known as an estate plan, and it begins with a will. A will dictates how your assets will be dispersed after your death. An estate plan will probably include insurance protection and may feature trusts or other elements. ------------------------ Financial planning makes sense of your family's financial needs. |
| Retirement plan Knowledge Financial Group Once an estate plan is in place, a retirement plan is the next step. Having clear goals for retirement will help you know how much to save during your working years. Retirement plans should also address the need for long-term care if you or your loved one can no longer live independently. A budget The next step, a budget plan, ensures that you set aside enough money to meet your long-term goals without taking on too much debt. |
| Financial Planning We help clients achieve their financial goals through personal planning and advice. Our blogs, our articles, our social media pages, our websites are there to help you with your dreams and goals, help you create a personalized financial plan, and show you how to track your progress over time ----------------------------- We make retirement planning more manageable by breaking it down into doable steps. Our exclusive approach helps you cover essential expenses and ensure you have planned for your lifestyle so you'll be able to do the things you've dreamed about in retirement. -------------------- Start on your path to financial confidence today with help from knowledge financial group - knowledgefinancial.com ------------------------ Knowledge Financial Group - knowledgefinancial.com provides tools and resources to make better financial decisions. ------------------------------------------ Not having a financial plan is actually just having a really bad plan ------------ "You should have three to six months of your normal income in an account that's safe and liquid, |
Our free consumer service connects individuals, seniors, retirees and families like yours to the right investment experts . ------------------- Estate planning And Living Trust, Essential Guide To Financial Planning A solid financial plan starts with protecting your assets. Such a basic first step is known as an estate plan, and it begins with a will. A will dictates how your assets will be dispersed after your death. An estate plan will probably include insurance protection and may feature trusts or other elements. ------------------------ Financial planning makes sense of your family's financial needs. ------------------------ |
| Financial Planning The process of determining a person's or firm's financial needs or goals for the future and the means to achieve them. Financial planning involves deciding what investments and activities would be most appropriate under both personal and broader economic circumstances. All things being equal, short-term financial planning involves less uncertainty than long-term financial planning because, generally speaking, market trends are more easily predictable in the short term |
| ONCE AGAIN, WHY YOU NEED A FINANCIAL PLAN Financial planning takes the guesswork out of managing your finances and helps you understand the implications of each financial decision you make. Everyone has different goals, so it’s important to have a unique plan that works for you and your financial situation, both now and in the future. ---------------- The average American faces an uncertain economy and more options for saving and investing than ever before. It’s easy to feel overwhelmed or confuse ---------------------- Want to better manage your finances, but aren’t sure where to start • Don’t have time to do your own financial planning • Want a professional opinion about the plan you’ve developed • Don’t have sufficient expertise in certain areas such as investments, insurance, taxes or retirement planning. Knowledge Financial Group - knowledgefinancial.com we're here to help, to serve, to provide the maximum best information possible. ---------------- |
| Start planning as soon as you can The earlier you begin, the more likely you are to achieve your financial goals. By developing good financial planning habits such as saving, budgeting, investing and regularly reviewing your finances, you will be better prepared to handle emergencies and life changes. -------------------- • Be realistic in your expectations Financial planning cannot change your situation overnight—it’s a lifelong process. Remember that events beyond your control, such as inflation or changes in the stock market or interest rates, will affect your financial planning results.. ------------------- Integrity Trust is central to a successful financial planning relationship. You rely on your planner’s honesty, professionalism and abilities to achieve your goals. When you know your planner takes his professional obligations seriously and places principles over personal gain, you can form a good working partnership. --------------------------- What experience do you have? Find out how long the planner has been in practice and with what types of companies he has been associated. Ask for a brief description of work experience and how it relates to the planner’s current practice. ---------------- What are your qualifications ? Ask what licenses and other financial services credentials your planner holds. Find out how the planner stays current with changes and developments in the financial planning field. ------------------------ . What types of clients do you typically work with? Some financial planners prefer to work with clients whose assets fall within a particular range, so it’s important to make sure the planner is a good fit for your individual financial situation. Keep in mind that some planners require you to have a certain net worth or level of investable assets before they will offer services to you. -------------------- How will I pay for your services? Planners can be paid in several ways: through fees or commissions or a combination of both. As part of your written agreement, your financial planner should make it clear how they will be paid for the services to be provided. ----------------------- . How much do you typically charge? Although what you pay the financial planner will depend on your particular needs, the planner should be able to provide you with an estimate of possible costs based on the work to be performed. Costs should include the planner’s hourly rates, flat fees, or the percentage of commission received on products you may purchase as part of the financial planning recommendations. ------------------------- . Have you ever been publicly disciplined for any unlawful or unethical actions in y our professional career? Several government and professional regulatory organizations, such as the Financial Industry Regulatory Authority (FINRA), your state insurance and securities departments and CFP Board, keep records on the disciplinary history of financial planners and advisors. ----------------------------- Can I have it in writing? Ask your planner to provide you with a written agreement that details the services that will be provided. Keep this document in your files for future reference. --------------------------- Ask your advisor to provide services with the “duty of care of a fiduciary.” This obligates her to base his recommendations on your best interests, fully disclosing any conflicts of interest (actual, potential, or perceived). If the advisor avoids the question or doesn’t understand the term, go elsewhere. • Ask your advisor to list the pros and cons of each investment idea. If you hear only the pros, you’re not getting the full story. • Understand your investments. Ask if you don’t understand, and get a second opinion if necessary. • Take your time before any decision—and don’t make major decisions just after a life change, like a divorce or the death of a loved one. Find a trusted family member or friend to help in reviewing or making the decision. • Before agreeing to any transaction, carefully consider the charges you’ll incur and the timing involved. • Never leave blanks on paperwork, and always ask for final or submitted copies (with the word “final” or “submitted” stamped right on them). • Always make your checks payable to the advisor’s business or custodian— not the advisor himself. Question any situation that gives your advisor unlimited access to your money -------------------------- To help you fight fraud and avoid being taken advantage of by an unscrupulous advisor -------------- The Ten Most Important Questions To Ask A Financial Advisor, Planner, or CPA Before You Start Doing Business.. |
| Start planning as soon as you can The earlier you begin, the more likely you are to achieve your financial goals. By developing good financial planning habits such as saving, budgeting, investing and regularly reviewing your finances, you will be better prepared to handle emergencies and life changes. -------------------- • Be realistic in your expectations Financial planning cannot change your situation overnight—it’s a lifelong process. Remember that events beyond your control, such as inflation or changes in the stock market or interest rates, will affect your financial planning results.. ------------------- Integrity Trust is central to a successful financial planning relationship. You rely on your planner’s honesty, professionalism and abilities to achieve your goals. When you know your planner takes his professional obligations seriously and places principles over personal gain, you can form a good working partnership. |
| ---------- Gather information about your finances and set goals Analyze and strategize Your professional will take all your finances into account and determine how to meet your goals. ------------------------ Monitor progress and stay on track Figuring out how to pull your finances together and make a sound financial plan can be daunting at first. ------------------ TIPS FOR SUCCESS You are ultimately in charge of your finances, and the results you get from working with a professional depend on your commitment and understanding of the process. ----------------------- |



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| ..TERM INSURANCE ADVANTAGES, TERM INSURANCE GENERAL KNOWLEDGE. Buy the term, and invest the difference. .. INVESTMENT PRODUCTS: Investing & Money Management Basics. FINANCIAL SOLUTIONS, TOOLS & RESOURCES. LEARN MORE... INSURANCE PRODUCTS: How to make profits with the insurance companies? ..RICH GUIDE, WHY AREN'T RICH? BUILDING FINANCIAL WEALTH, OBTAIN FINANCIAL FREEDOM, BECOME A RICH PERSON; YES YOU CAN... ..RULE OF 72: The compound interest and financial success. Rule Of 72 is the most important and simple rule of financial success. ..MILLIONAIRE: How To Make Your First $1 Million? The Millionaire's Mindset ..FORTUNE: BEFORE INVESTING IN THE STOCK MARKET LEARN THIS FIRST!... ..GOVERNMENT: Government's general information; Local, State, and Federal. Housing Finance Authority of Miami dade, Monroe, Broward, and Palm Beach County ..EMPIRE: THE ABC's OF INVESTMENTS, Ways to Save. THE TRIANGLE OF SUCCESS... ..INVESTORS: CREATIVE FINANCING: TOP 10 CREATIVE FINANCING TECHNIQUES AND STRATEGIES TO FIND MONEY TO INVEST! The Five C’s of Credit: LEARN MORE.. CREATIVE FINANCE CAN AND WILL MAKE ALL THE DIFFERENCE WHEN AN INVESTOR DECIDES TO INVEST IN REAL ESTATE... ..HOME INSPECTION: HOW TO GET THE BEST OUT OF IT.. Top 10 home-buying mistakes to avoid! HOW TO USE HOME INSPECTION REPORTS TO NEGOTIATE SALE PRICE?... ...ACCOUNTING: The Basics of Accounting... ...TAXES: THE FUNDAMENTAL OF TAXES. THE MORE YOU KNOW, THE LESS YOU PAY... ...ANALYTICS: Top 9 Real Estate Financial Calculator Problems every investors should know about...-- -- BUILDING WEALTH RICH GUIDE: WHY AREN'T YOU RICH? BUILDING FINANCIAL WEALTH, OBTAIN FINANCIAL FREEDOM, BECOME A RICH PERSON; YES YOU CAN... Learn More! Financial Education - Financial Knowledge Everything You Need To Know About Finance. Dubai- The World Largest, Biggest, Tallest, Greatest of Almost Everything. Learn more about this magnificent place and as well as other countries. COPYRIGHT-- What is Copyright? The Basics About Copyright Registration. The procedure for copyright registration. Do I need copyright protection? How do I register? Learn More! ..Dealership secrets revealed. Before you buy a car; read this first... CAR BUYER'S WINNING PLAN! ..AUTO LOANS: Read this first before taking a car loan. What to avoid when financing a car.. |
| South Florida, HOW TO OBTAIN AN INSURANCE LICENSE, AND GET HIRED, START WORKING IMMEDIATELY WITH ONE OF THE GREATEST INSURANCE COMPANY IN THE WORLD? FREE INSURANCE SCHOOL, FREE COURSE, FREE TRAINING, FREE FINGERPRINT, FREE BOOKS FOR THOSE WHO LIVE IN MIAMI DADE AND BROWARD COUNTY FLORIDA. LEARN MORE HERE... ..TERM INSURANCE ADVANTAGES, TERM INSURANCE GENERAL KNOWLEDGE. Buy the term, and invest the difference. .. INVESTMENT PRODUCTS: Investing & Money Management Basics. FINANCIAL SOLUTIONS, TOOLS & RESOURCES. LEARN MORE... INSURANCE PRODUCTS: How to make profits with the insurance companies? ..RICH GUIDE, WHY AREN'T RICH? BUILDING FINANCIAL WEALTH, OBTAIN FINANCIAL FREEDOM, BECOME A RICH PERSON; YES YOU CAN... ..RULE OF 72: The compound interest and financial success. Rule Of 72 is the most important and simple rule of financial success. ..MILLIONAIRE: How To Make Your First $1 Million? The Millionaire's Mindset ..FORTUNE: BEFORE INVESTING IN THE STOCK MARKET LEARN THIS FIRST!... ..GOVERNMENT: Government's general information; Local, State, and Federal. Housing Finance Authority of Miami dade, Monroe, Broward, and Palm Beach County ..EMPIRE: THE ABC's OF INVESTMENTS, Ways to Save. THE TRIANGLE OF SUCCESS... ..INVESTORS: CREATIVE FINANCING: TOP 10 CREATIVE FINANCING TECHNIQUES AND STRATEGIES TO FIND MONEY TO INVEST! The Five C’s of Credit: LEARN MORE.. CREATIVE FINANCE CAN AND WILL MAKE ALL THE DIFFERENCE WHEN AN INVESTOR DECIDES TO INVEST IN REAL ESTATE... ..HOME INSPECTION: HOW TO GET THE BEST OUT OF IT.. Top 10 home-buying mistakes to avoid! HOW TO USE HOME INSPECTION REPORTS TO NEGOTIATE SALE PRICE?... ...ACCOUNTING: The Basics of Accounting... ...TAXES: THE FUNDAMENTAL OF TAXES. THE MORE YOU KNOW, THE LESS YOU PAY... ...ANALYTICS: Top 9 Real Estate Financial Calculator Problems every investors should know about...-- -- BUILDING WEALTH RICH GUIDE: WHY AREN'T YOU RICH? BUILDING FINANCIAL WEALTH, OBTAIN FINANCIAL FREEDOM, BECOME A RICH PERSON; YES YOU CAN... Learn More! Financial Education - Financial Knowledge Everything You Need To Know About Finance. Dubai- The World Largest, Biggest, Tallest, Greatest of Almost Everything. Learn more about this magnificent place and as well as other countries. COPYRIGHT-- What is Copyright? The Basics About Copyright Registration. The procedure for copyright registration. Do I need copyright protection? How do I register? Learn More! ..Dealership secrets revealed. Before you buy a car; read this first... CAR BUYER'S WINNING PLAN! ..AUTO LOANS: Read this first before taking a car loan. What to avoid when financing a car.. |
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| Retirement Planning Saving for retirement is one of the most important things you can do to prepare for the future. No matter what your starting point may be, Knowledge Financial Group Guide can help you plan for your goals. |
| Retirement Planning Tools .. These tools and resources have been designed to help develop customized retirement savings and investment solutions. ------------- Investment Planning We at Knowledge Financial Group - knowledgefinancial.com / We are committed to providing the tools, guidance, and support investors need to dig deeper and make smart decisions.. |
| Our guides are designed to help you consider all your investment needs and goals and to explore solutions that can help you achieve them. Knowledge Financial Group Retirement Retirement planning is one of the most important things you can do to prepare for the future. Explore our retirement product options and learn more about saving for your goals. |
| We have come up with a few interesting new ideas to make money alongside the tried and tested traditional money making methods, so whether you’re out to make a few quick bucks, a steady part-time income, a full-time Home Business, or an Online Multi Million Dollar Empire…you gotta start somewhere! And Remember – You don’t have to be great to get started, but you do have to get started to be Great! 1 2.Teach / Tutor – Tutor.com 3.Network Marketing – SFI Affiliates 4.Become a customer services rep – Skyes 5.Be a virtual assistant – look in money making forums, or go with Elance 6.Play poker 7.Play mmprg games – Second life, Eve Online, Runescape – Work hard then sell your max level account, or sell your virtual currency for real currency! 8.Play bingo 9.become a bingo chat host – cmoftheyear. com 10.Join gpt sites – swagbucks, jokeroo.com 11.Join ptc sites – ptc investigates 12.Refer friends to your get paid sites – not forgetting to make more money by spamming your friends with your referral links, add your links to refer-o-matic and datsoup.com 13.Take surveys – my survey, toluna 14.Receive emails – inbox pounds, mailpay 15.Test websites - Usertesting 16.Affiliate marketing – clickbank, affiliate window, cj.com 17.Blogging – wordpress, blogger 18.Upload videos 19.Get your friends to click Facebook Links 20.Article Brokering – buy low on mturks, in forums or on fiverr – sell high on Daily Article 21.Set up a store 22.Publish a kindle book with Amazon or Smashwords 23.Upload stock photos 24.Read tarot 25.Answer text questions – Internet businesses such as 63336 (formerly known as AQA) are occasionally on the lookout for researchers. a customer searches for the answer to any random question by sending a text to researchers (you) who reply with the answer 26.Answer web questions 27.Review products you own – Dooyoo.co. uk 28.Set up a review website 29.Email marketing 30.Fiverr gigs 31.Take part in adult webcam chatrooms 32.Adult chat/text services 33.Life coaching 34.Complete offers on cashback sites 35.Become a direct sales rep 36.Post in forums/blogs 37.Sell your own ebook 38.Gift baskets 39.Jewellery design 40.Matched betting – Become the bookie! Ever seen a poor one? 41.Buy & sell old gold 42.Business consultancy 43.Real estate brokering 44.Resume writing 45.Personal training/nutrition advice 46.Translations services 47.Sell art 48.Design t-shirts on Threadless 49.Travel consultancy 50.Make perfumes/soaps/incense/candles 51.Online book store 52.Make greeting cards 53.Copy write for greeting cards 54.Doggy bakery 55.Animal behaviour consultancy 56.Personal organizer/pa 57.Telesales 58.Interior design 59.Home staging 60.Mobile phone recycling 61.Dropshipping 62.Sell on eBay 63.Sell on Amazon Marketplace 64.Business brokering 65.Write a novel on your phone -http://www. textnovel.com 66.Curation 67.Transcription services 68.Data entry 69.Ad assessor 70.Membership website 71.Spyware & virus removal advice 72.Tweet for money – sponsoredtweets, paidpertweet, twivert, twitpub 73.Sell websites – flippa 74.Sell domain names 75.Park Domains 76.Chat -Birejji, Intichat 77.Sell ideas – ThinkGeek.com pays you $250 in if they decide to use your suggestion. 78.Name companies – Picky Domains 79.Surf – surfbounty 80.Sponsored reviews on your blog – sponsoredreviews.com 81.Panhandling 82.Write travel reviews – trivago 83.Become an about guide – about.com 84.Upload files – easyshare.com, cash. uploading.com, depositfiles.com, ziddu. com, docstoc.com, 85.Socialise – mylot.com, gather.com, mypage5.com, apsense.com 86.SEO services 87.Get Paid to enter your favourite stores with Quidco.co.uk 88.Copywriting 89.Ghostwriting 90.Rate music – slicethepie.com 91.Write how to guides – ehow.com 92.Youtube partners 93.Microwork – mturks.com 94.Design facebook covers & website banners 95.Help with homework – studentoffortune 96.Answer tech questions – expertbee.com 97.Enter competitions or paid contests 98.Make photo books – 99.Solve company problems -At InnoCentive, companies post challenges offering big money for the best solutions, though they’re often quite technical. A typical example:for a proposal on how to navigate the inside of an egg without damaging it. Also worth a look is Idea Connection – top paying problems can award up to about if you come up with a unique and brilliant idea. 100.Ad Writing – BoostCTR.com 101.Watch Videos – Viggle.com, Jingit, Varolo Not all Online Money Making Methods are a scam! Making money online can be done – and what’s more it’s easy and simple, but you won’t have it handed to you on a silver platter, you have to go get it! |
| Thinking about life insurance? One of our insurance specialists will help you get the coverage you need. SOUTH FLORIDA, CONTACT ANTHONY AT: 786-631-7740 ========== Don’t risk leaving your LONE ONES without the financial security they need to live, in addition to leaving them without a parent(s). You have the power to protect your LOVE ONES financial future today. ============== Whether you had life insurance coverage at work or not, it’s important to take a step forward and get the coverage you need while you are still able. ============= we’re sure you’re thinking about getting the appropriate life insurance coverage to ensure that your family will always have access to the things they need, |
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| How to get ready for retirement? -= Is to plan it! How to fund a retirement plan? -= Is to put money aside for it! How much money do you need for retirement? -= Have as much as you possibly can, says Jeanty Anthony At Buyheremarket Enterprise = / Buyheremarket.blogspot.com In order to not live longer than your money. Actually your money suppose to live much more longer than yourself. ============ What is the best retirement plan? -= The best one is the one you set for yourself, but not the one your plans for you, says Nyton the Financial Consultant From Visionone Holding Company -=/ Visiononeholding.blogspot.com Lesson #1. If your job provides matching 401k’s, take it, take the advantage of it. Don’t put no less than 6% percent.. =========== Lesson #2. If your employer provides 403b – IRC 403(b) Tax-Sheltered Annuity Plans A 403(b) plan (also called a tax-sheltered annuity or TSA plan) is a retirement plan offered by public schools and certain 501(c)(3) tax-exempt organizations. Employees save for retirement by contributing to individual accounts. Employers can also contribute to employees' accounts. Take advantage of it. ============ Or 457b meaning that you’re an employee of a tax-exempt organization retirement plan. Take it, do not leave no money on the table for employers. = 457(b) Deferred Compensation Plans ============= Plans of deferred compensation described in IRC section 457 are available for certain state and local governments and non-governmental entities tax exempt under IRC Section 501. They can be either eligible plans under IRC 457(b) or ineligible plans under IRC 457(f). Plans eligible under 457(b) allow employees of sponsoring organizations to defer income taxation on retirement savings into future years. Ineligible plans may trigger different tax treatment under IRC 457(f). Who can establish a 457(b) plan? The organization must be a state or local government or a tax-exempt organization under IRC 501(c). ========== How do 457(b) plans work? Employers or employees through salary reductions contribute up to the IRC 402(g) limit ($18,000 in 2015, 2016 and 2017) on behalf of participants under the plan. ) Lesson #3. If you are lucky enough to work for a company who’s offering an annuity plan, benefit from it, says the Marketing Director Of: Femkonsa Capital Investment. You, yourself; you’ve the absolute responsibility to make your own investment plan to be certain of a solid retirement future. Invest in mutual fund plans, Invest in ETF’s= Echange Traded Fund Invest in real estate – commercial and, or residential real estate for monthly cash-flow. Buying stocks, bonds, from different companies Have an annuity plan. Buy tax lien certificates and tax deeds Why it is appear so hard to have retirement planning into the right gear? Asking Sonya from: Knowledge Financial Group – Everyone knows that eating quality foods and exercise well is excellent for an healthy body. But must people don’t do it. Similarly people know the planning process is necessary, but many people don’t take that step, says Anton from: Visionone Capital Management. To live retirement on your terms, you need a plan, and a partner who knows how to help you build it — it’s a free benefit offered by your employer. Make informed choices, informed decision about your investments and your retirement saving plans. Saving & Budgeting: Create a plan that turns savings into steady income - Femkonsa Capital Investment. What's it like to meet with us? You want to call, but don't know what to expect. No worries, we've made planning for tomorrow painless by breaking down the process into manageable steps. And our first step is an easy one: It's simply getting to know you — and your goals your risk tolerance— in a one-on-one conversation ----------------- We'll help you determine how to balance multiple priorities to help you reach your retirement goals. We'll help you create an appropriate investment strategy. ------------- Helpful items to have on hand. Having these documents available will help us better understand your unique situation. But for your first call, the only necessary element is you. The important thing is to begin the journey. Your W-2 form (or other compensation document) Your Social Security statement Investment statements from other accounts Beneficiary information. Another reason for putting off planning is preconception that it will be hard – but it doesn’t need to be. ========== Perhaps the most challenging aspect of retirement planning is that it matches a shift in financial thing. From an asset- based accumulation strategy { relying on employment earnings and growths from investments} to an income strategy that focus on reliable ways to make your money last long, says Manou at: Buyheremarket Enterprise – Pre-retirees still see themselves as contributors – risk takers – and accumulators rather than thinkers who are not procrastinating. ========== Says, Nyton the marketing director of: Knowledge Financial Group – knowledgefinancialgroup.blogspot.com – Very often, when people start talking with an advisor about retirement planning, they are still tactically focused on their investment portfolio. ============ Actually, what they should do is start thinking strategically about what they want to accomplish in retirement and how they can develop a plan for receiving income that will last for the rest of their lives.. ============ Contributing partners and team: Visionone Holding Company – Femkonsa Capital Investment – Knowledge Financial Group – Visionone Capital Management South Florida, Seating with us for about 20 to 30 minutes can provide you a lifetime satisfaction with excellent info on Life Insurance – Retirement Planning – And Investment Knowledge |
| There are many kind of retirements, the 2 primary types of retirement savings accounts — and people don't realize you can use both. Retirement tax savings fall into two categories: save now (traditional), or save later (Roth). Whichever category you choose, you'll still be able to max out one of each type of account — a 401(k) and an IRA. Contributing to a Roth 401(k) is similar to a Roth IRA, in terms of the tax benefits, but there are some distinct differences. For one, there are no income limits on who can contribute to a Roth 401(k). As long as your employer offers one, you can use it, regardless of how much you earn. As you move up the career ladder you may feel as though you could — or should — save even more. It's a good problem to have. But figuring out what to do with your money can be confusing, especially if you're already contributing to a 401(k) or maxing out an IRA. If your emergency fund is also in good shape, and you don't have any other short-term savings goals, it probably doesn't make sense to continue stockpiling cash. So, then what? Many people turn to what seems like the next logical step — investing in a non-retirement account. That's not a bad idea, but it does mean you'll have to pay taxes on your investment gains. Before you do that, make sure you're maximizing all of the tax-advantaged savings accounts available to you. That includes an easy option that many people don't realize exists: Contribute the maximum to your 401(k) and an IRA. That's right. It's not 'either or' when it comes to the two most common retirement savings accounts. It's 'both and'. If you're really flush — congrats, by the way — you can set aside $18,000 in your 401(k) this year and another $5,500 in an IRA. ------------ Millennials don't save for enough retirement — but Congress can help... “Young people are not saving enough.” “They will have to double their savings to retire at a reasonable age.” These quotes represent the conventional wisdom about our nation’s millennials, the more than 80 million Americans between the ages of 20 and 36. However, the savings picture for millennials has become more complex, according to recent data. This cohort of young people is saving more, though for short-term goals instead of retirement. To promote retirement savings, Congress should pass the Automatic Individual Retirement Account (IRA) Act, legislation that was introduced in the House in 2015, for millennials and other Americans without a retirement plan at their workplace. ---------------================= Can I Contribute to an IRA If I Have a 401(k) at Work? Having a 401(k) or similar employer-sponsored retirement can certainly be a nice tool to grow your nest egg, especially if your employer provides a generous matching contribution. Having said that, saving for retirement in an IRA provides some unique benefits, and can be a nice supplement to your 401(k). Here's how to determine if you're eligible, and why you might want to use an IRA to complement your employer's plan. ---------------- A 401(k) could make you ineligible for a traditional IRA If you have a 401(k) or similar retirement plan at work, your eligibility to contribute to an IRA depends on your income and which type of IRA you'd like to contribute to - With a traditional IRA, there are specific income limitations for people who are eligible to participate in an employer's retirement plan. Roth IRAs are limited by income, regardless of other retirement plans Unlike a traditional IRA, Roth IRA contributions are not limited solely because you can participate in your employer's retirement plan. Instead, there is an income limit for Roth IRA contributions that applies to all savers. --------- Reasons to contribute to an IRA in addition to a 401(k) There are several key differences between IRAs and employer-sponsored retirement plans such as 401(k)s that can make it worthwhile to contribute to both. For one thing, IRAs are much more flexible when it comes to your investment choices. With a 401(k), you are allowed to choose from a basket of investment funds. On the other hand, with an IRA, you can invest in virtually any stocks, bonds, or funds you want. If you want to invest some of your retirement savings. --------------- In addition, a Roth IRA can help you diversify your tax advantages, and can also provide several other benefits your 401(k) doesn't. As far as taxes are concerned, you won't get a deduction for your Roth IRA contributions, but all of your withdrawals in retirement can be tax-free, the exact opposite of most 401(k) investments. This can give you much more control over your taxable income in retirement. Roth IRAs also have no minimum distribution requirements, no maximum contribution age, and you are free to withdraw your original contributions whenever you want. --------------================== Are you planning your retirement? Be sure you’re not committing these 7 deadly retirement "sins" Inside this free, no-nonsense guide, you'll discover how much you should be saving, plus tips and tricks to wring the most out of your Social Security and 401(k). It could make all the difference to your retirement,.. ----------- Designing customized investment plans to position you for success in today’s market Developing smart tax strategies specific to your situation Crafting personalized retirement plans to put you on the road to a comfortable future planners are fiduciaries – that means they are legally required to make recommendations in YOUR best interests ------------- Are you confident that you’ll be able to afford the retirement of your dreams? Or are you even just a little bit uncertain about how you’ll financially manage your golden years? ------------- Sure, your retirement may be a DIY project. But you’re not alone... It’s no wonder so many people are feeling uncertain or even downright pessimistic. Retirement planning is, increasingly, a DIY project. Why? As guaranteed lifetime pensions go the way of the dinosaur, the burden of saving and investing falls to individual investors, many of whom aren’t prepared or simply don’t have the time to take on these responsibilities. ---------------- “Sin” No.1: Saving Too Little/Starting Too Late Yes, you’ve heard this one before, but it bears repeating. Saving too little for retirement, or starting to save only later in life, are two of the most common and most easily correctable mistakes that workers today make. If you’re like many people, you’ve saved when you could – but you probably don’t yet have the nest egg you want. -------------- “Sin” No.2: Not Taking Full Advantage of Your Employer’s 401(k) Match If you were walking down the street and saw a $20 bill lying on the ground, would you stop to pick it up? In a word: Yes! After all, why would you pass up free money? Yet that’s exactly what millions of workers do every single year by not maximizing their 401(k) contributions to capture the full match their employer is offering. Why leave money on the table like that? ------------- Alternative “Sin” No.2: Failing to Account for Health Care Costs in Retirement It’s a common rule of thumb when estimating living expenses in retirement to assume that your cost of living will go down. And for the most part, that does hold true. Many financial planners assume that retirees will need anywhere from 70% to 85% of their pre-retirement income, depending on their specific circumstances. However, there is one expense area where retirees actually need to budget more for future years: health-care costs. While Americans tend to spend less on material goods and leisure pursuits as they age, it’s a pretty safe bet that they will end up spending more on health care- related items. ---------------- “Sin” No.3: Owning Expensive (or Poorly Performing) Investments If you are like the majority of Americans who won’t be getting a guaranteed pension after you retire, it’s not enough just to sock away lots of money each year. You’ve also got to put that money to work so it grows over the long run. That means selecting the right stocks and/or mutual funds, so your assets can enjoy the magic of compounding! Unfortunately, just because one is a good saver, that doesn’t necessarily mean that one is a good investor. Selecting appropriate investments is a skill in itself. And while mutual funds have been touted as the one-stop answer to investors’ diversification concerns, especially in employer- sponsored 401(k) plans, the unsettling truth is that many actively managed funds actually end up underperforming the market over time. Not everyone who hangs out their shingle as a money manager is successful at the game, so it’s important to know that you’ve partnered with reliable, time-tested professionals. Sadly, one of the biggest contributors to fund underperformance is management expenses. Investors should expect to pay their fund managers something for the privilege of managing their money, but some funds do a better job than others of keeping costs under control. This is important because funds that have higher costs simply raise the bar for the fund manager and require him or her to perform that much better to make up those expenses ----------------- “Sin” No.4: Chasing Performance (the Ugly Truth!) Investing is a game of temperament as much as skill, and that means not only do you have to spend time ferreting out the right investments, but you’ve also got to have the fortitude to hold on during tough times and not make any knee-jerk changes to your portfolio. Let’s face it: Investors are notorious performance chasers, frequently dumping investments that have underperformed and jumping on the bandwagon of stocks or funds that are on a hot streak. This behavior is understandable – after all, it’s hard to do nothing when your portfolio is going down or when you see other areas of the market doing better than you are. Unfortunately, this tendency to prefer action to inaction, and to chase after whatever stock, fund, or sector is doing well, ends up being detrimental to investors more often than not. This is because investors usually end up doing the wrong thing at exactly the wrong time, costing them money and causing undue mental stress. They abandon otherwise solid investments if they have any short-term stumbles, and look for other options that have a better recent track record. In other words, they sell low and buy high, which is the exact opposite of what the oldest investing advice around tells us to do. ------------- Sin” No.5: Paying Too Much to Your Broker or Financial Advisor.. People in the business of offering financial advice go by many names: financial advisor, financial planner, broker, investment advisor, etc. The services offered by these individuals will vary – some will just place market trades for you, while others are willing to dig deep down into every aspect of your financial life and act as your right hand in all related matters. Unfortunately, not all financial professionals come with the same qualifications, and in some truly scary cases, they have almost none. ------------------- “Sin” No.6: Putting Other Savings Goals Ahead of Retirement .. One BIG life event in an investor’s journey has the biggest potential for derailing retirement: funding your children’s or grandchildren’s college education. And it’s no surprise, because the costs of attending both public and private colleges have skyrocketed in recent years. According to FinAid, since 1958, college tuition has increased about 8% per year. 14 This means that the cost of college doubles roughly every nine years! And these costs are significant. The average cost for one year of tuition, room, and board at a private four-year college reached $32,405 in 2016, 15 But with a college degree becoming more and more important in today’s job market, many parents are willing to make sacrifices to ensure that their children can attend and, in many cases, graduate without the crushing burden of student loans that so many have to bear. While wanting to help out your kids with college is a credit to you as a parent, if that money is being diverted from your potential retirement assets, you may be shortchanging yourself down the road. Unfortunately, skimping on saving for retirement to pay for college even for just a few years can have an outsized impact on your nest egg. ----------------- “Sin” No.7: Inadequate Portfolio Diversification.. Psst! Want to know the secret that accounts for 88% of your relative success when it comes to investing? 18 Surprisingly, it’s not the specific stocks you own or how well you time the market. Rather, it’s our old friend, asset allocation. In other words, it’s not enough to just pick the best stocks out there – you also need to combine those stocks in the right amounts so they all play nicely together in your portfolio. So the important question then becomes, do you have exposure to all the relevant asset classes in the right amounts? ================ Owning Too Much Company Stock in Your 401(k) – Do You Have All Your Eggs in One Basket? If you work for a publicly traded company, then you may own an excessive amount of company stock in your retirement plan. You may have accumulated shares and options over time without realizing how much of your overall net worth is now tied to the fortunes of your employer. And particularly with some companies providing the employer match to a 401(k) only through company stock, that allocation can build up big-time. There’s nothing wrong per se with owning your employer’s stock. As an employee... • You may have special insight into daily operations and future prospects to which outsiders aren’t privy. • You may believe in your company’s mission and support its ongoing efforts. •You may benefit from a special tax strategy called “net unrealized appreciation” that allows any price appreciation in your company to be taxed at lower capital gains rates rather than ordinary income tax rates. ------------------- SPECIAL BONUS SECTION: Are You Applying for Social Security Too Soon? Social Security benefits are a staple of retirement income for millions of Americans. And while most individuals, especially those with higher incomes, will still need to supplement these benefits with pensions and/or withdrawals from a portfolio, nearly two-thirds of retirees get half or more of their income from Social Security. According to a report by the Center for Retirement Research at Boston College, 90% of Americans begin collecting Social Security at or before their full retirement age, or FRA. In fact, 48% of women and 42% of men begin collecting at age 62, the earliest one can file a claim, making it the most popular age to claim benefits. |


