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John S. Grande, CFP
Which retirement plan is right for your practice?
If you own a small business (such as a medical practice), many retirement plan alternatives are available to assist you and your eligible employees with retirement planning. To make an informed decision on which plan is right for your practice, review the differences carefully before choosing.
5 steps to help create an estate plan
While many put off estate planning because it can be difficult, there are several tips one can follow that can make the process less stressful.
Piecing together your retirement puzzle
When meeting with pre-retirees as well as current retirees, one of the most common areas of concern, apprehension, and (at times) outright fear, is whether they will run out of money during retirement.
Investing enters new world order
Based on our experience over the years, we believe the rules of investing and planning for retirement that one can feel confident in have changed forever.
Establish realistic retirement income
Whether you're in or near retirement, keeping a watchful eye on your spending can be pivotal in determining whether your funds will last at least as long as you do.
Finances: Discover exchange-traded funds
Understand exchange-traded funds and why you may want one.
Revisit your estate plan strategy
Understand how the 2010 Estate and Generation Skipping Transfer Tax Repeal works.
Mutual funds: Seeing is not believing
Getting in and out of a mutual fund at the wrong time is generally accounted for by the psychology behind an investor's behavior.
The 'perfect financial storm' of the century
The state of the economy is due to several factors including residential real estate, credit-default swaps, and the price of oil along with other increasing commodity prices. Although no two downturns or recessions are ever identical, there is strong historical support for maintaining a long-term view of your portfolio.
Safe Harbor 401(k) plan is option for small business owners
The Safe Harbor 401(k) plan allows for greater tax-deferred savings than the SIMPLE IRA and avoids the bulk of the administrative expenses of the traditional 401(k). Participants are permitted to defer up to $15,500 for 2007, with an additional $5,000 catch-up available to participants age 50 and over. Adding a cross-tested plan could provide larger proportionate contributions to those closer to retirement.