IRA Contribution Deadlines are Approaching
Jan 4, 2021
Financially, many of us associate April with taxes – but we should also associate April with important IRA deadlines. From current and previous IRA contribution deadlines, to RMD deadlines, keep an eye on the calendar.
April 15, 2021 is the deadline to take your Required Minimum Distribution (RMD) from certain individual retirement accounts.
Keep in mind that withdrawals from traditional, SIMPLE, and SEP-IRAs are taxed as ordinary income, and if taken before age 59½, may be subject to a 10% federal income tax penalty. (more…)
Tags: financial advisor charlotte nc, Financial Planning, Investing, Investment Portfolio, Personal Finance, retirement, Retirement Planning, Retirement Tax Savings
Cash Balance Plans
Dec 4, 2020
In corporate America, pension plans may be fading away. Only 14% of Fortune 500 companies offered them to full-time employees in 2019. In contrast, legal, medical, accounting, and engineering firms are keeping the spirit of the traditional pension plan alive by adopting cash balance plans.1 (more…)
Tags: Employee Benefit Planning, Financial Planning, retirement, Retirement Planning, Retirement Tax Savings, tax guide, Wealth Building
Do Main Street Self-Employed Individuals Need a Wall Street Strategy?
Dec 2, 2020
As Wall Street pushes higher, a pandemic-weary Main Street is relearning how to manage cash flow with the hope of keeping its retirement dreams alive – and for those self-employed, this is paramount.
Self-employed Americans, and the people working for them, account for roughly 30 percent of the nation’s workforce.1
In the best of times, putting aside money for retirement was a challenge for this group. (more…)
Tags: Certified Financial Planner Charlotte NC, financial advisor charlotte nc, Financial Planning, Investing, Personal Finance, retirement, Retirement Planning, Retirement Tax Savings, Tax Advantages, Tax Planning
2020 Election Aftermath
Nov 4, 2020
The American people have voted, casting a record number of ballots under extraordinary circumstances, which is a testament to the enduring resilience of our democracy. Determining the outcome of our elections is a process, but it usually moves so quickly it barely gets noticed. This year it will take longer, but the process itself hasn’t changed. For many, this uncertainty on top of an already heated election season has created additional anxiety and frustration. (more…)
Tags: Certified Financial Planner Charlotte NC, charlotte NC, Current Events, financial advisor charlotte nc, Financial Help, Personal Finance, retirement
2021 IRA Limits, 401(k)s and More
Nov 2, 2020
On October 26, the Treasury Department released the 2021 adjusted figures for retirement account savings (IRA, Roth IRA, and 401(k)s). Although these adjustments won’t bring any major changes, there are some minor elements to note. (more…)
Tags: Certified Financial Planner Charlotte NC, financial advisor charlotte nc, Financial Planner Charlotte NC, Personal Finance, retirement, Retirement Planning, Tax Planning
Women Facing and Conquering Retirement Challenges
Sep 23, 2020
When it comes to retirement, some women face obstacles that can make saving for retirement a challenge. Women typically earn less than their male counterparts and often take time out of the workforce to care for children or other family members. Added to the fact that women typically live longer than men, retirement money for women may need to stretch even further.1 (more…)
Tags: Personal Finance, retirement, Retirement Planning
Why A Roth IRA Conversion May Now Be Advantageous
Sep 18, 2020
Roth IRA Conversion decisions have attracted retirement savers since their introduction in 1998. They offer the potential for tax-free retirement income, provided Internal Revenue Service rules are followed. (more…)
Tags: charlotte NC, Investing, Personal Finance, retirement, Retirement Planning, Tax Advantages, Tax Deductions, Tax Planning
The I.R.S. Has Enhanced the 2020 RMD Waivers
Jul 29, 2020
In March, the Coronavirus Aid, Relief, and Economic Security (CARES) Act became law. It was designed to help Americans impacted by the COVID-19 pandemic.1
The new law offered investors a financial break. It gave people the option to skip required minimum distributions (RMDs) from traditional Individual Retirement Accounts (IRAs) and 401(k)-style plans in 2020. (Original owners of Roth IRAs never have to take RMDs from those accounts.)2,3 (more…)
Tags: Current Events, Financial Planning, Personal Finance, retirement, Retirement Planning, taxes
Retirement Plan Options for Small Businesses
Jun 17, 2020
As a small-business owner, figuring out retirement choices can be a little intimidating. How do you pick the most appropriate retirement plan for your business as well as your employees? (more…)
Tags: Financial Planning, retirement, Retirement Planning, Tax Planning
Cash Balance Plans
May 27, 2020
In corporate America, pension plans are fading away. Only 16% of Fortune 500 companies offered them to full-time employees in 2018, according to Willis Towers Watson research. In contrast, legal, medical, accounting, and engineering firms are keeping the spirit of the traditional pension plan alive by adopting cash balance plans.1 (more…)
Tags: Financial Help, Personal Finance, retirement, Retirement Planning
More Insights
Jul 9, 2025
Few terms in personal finance are as important, or used as frequently, as “risk.” Nevertheless, few terms are as imprecisely defined. Generally, when financial advisors or the media talk about investment risk, their focus is on the historical price volatility of the asset or investment under discussion.
Jul 7, 2025
As Americans get their grills and beach chairs ready for the July 4th holiday, the stock market and the weather across much of the country have both been on heaters. Stocks and bonds continue to effectively navigate a complex policy landscape shaped by evolving trade dynamics, geopolitical tensions, and fiscal stimulus. The market’s resilience in … Continue reading “Market Update – America Gets Record High Stock Prices for Its Birthday”
Jun 20, 2025
Birthdays may seem less important as you grow older. They may not offer the impact of watershed moments such as getting a driver’s license at 16 and voting at 18. But beginning at age 50, there are several key birthdays that can affect your tax situation, health-care eligibility, and retirement benefits.
Jun 18, 2025
During times like these when geopolitical headlines can be unsettling for investors, we at LPL Research like to remind ourselves of one of our key investing principles. Markets have always faced challenges —ranging from geopolitical conflicts and economic downturns to natural disasters, political upheaval and health crises. These events often trigger short-term volatility and shake … Continue reading “Why Long Term Investing Beats Selling in Volatile Times”
Jun 16, 2025
Are you concerned about the inheritance taxes your heirs may have to pay? Then you may want to consider creating charitable lead trusts.
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