Tag Archives | wealth protection

IRS Reverses Long-Standing Position on One-Rollover-per-Year Rule

Key Takeaways The IRS has indicated that a taxpayer may make only one tax-free, 60-day rollover between IRA’s within each 12 month period.  This rule applies to a taxpayer regardless of how many IRA’s he or she maintains. The one-rollover-per-year rule also applies–separately–to your Roth IRAs. Roth conversions don’t count as rollovers for this purpose. […]

Read full story Comments are closed

Getting Rich Slowly – A Lesson for the Younger Generation

As the newest member of the Independence Advisors team, I’d like to introduce myself.  I’ve been with the firm for a few weeks now, after spending 5 ½ years at PricewaterhouseCoopers in both Philadelphia and Denver, CO.  This month, my wife and I will be welcoming our first child to the world.  We’re incredibly excited […]

Read full story Comments are closed

Oldies But Goodies

We dusted off two of our most popular blogs in honor of spring cleaning and tax season. Key Takeaways Having a system you trust to find all of your key records, quickly and easily is just as important as deciding which records to retain. Remember, you run the system; the system doesn’t run you. After […]

Read full story Comments are closed

Why Does Active Investing Flourish?

Earlier this month, I had the opportunity to run an educational workshop at the SPA/AAP Pediatric Anesthesiology 2015 Meeting. The workshop was entitled “Evidence-Based Investing and Financial Planning.” We covered the 12 most important insights about evidence-based investing and how those insights can be applied to a rational financial planning process. Evidence-Based Investing is the […]

Read full story Comments are closed
image_src

What is the Backbone of an Evidence-Based Portfolio?

An accumulation of studies since the 1950’s has identified three risk factors that form the backbone of an evidence-based portfolio. They are:  The Equity Premium – The additional return investors should expect to earn for taking the risk of investing in stocks rather than short-term bonds. (6.27% per year since July, 1926)*  The Small Cap […]

Read full story Comments are closed

Traditional versus Roth contributions: What to consider – PART 2

See Part 1 of this blog post here.[PR1]  What’s best for me? When determining which contribution is a better fit for you, understand that there is no single right answer for everyone.  The contribution that’s best for you will be determined by your personal situation.  Ask yourself the following 5 questions before making your decision: […]

Read full story Comments are closed

Traditional Versus Roth Contributions: What to Consider – PART 1

Key Takeaways The decision to make Traditional or Roth contributions to retirement plans adds an extra layer of complexity to investing. Traditional contributions allow participants to defer tax until funds are withdrawn, while Roth contributions allow participants to pay tax up front, so there’s no tax obligation upon withdrawal. When deciding what type of contribution […]

Read full story Comments are closed