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Long-term Care Planning

In the year 2000, almost 10 million people needed some form of long-term care in the United States. Of that number, 3.6 million (37%) were under age 65 and 6 million (63%) were over age 65*. What does that really … Continue reading

Why Do an In-Service Rollover?

Spring Has Sprung The experts will tell you that springtime began on March 20th for those of us who live in the Northern Hemisphere. That’s the day each spring when the Sun shines directly on the equator and the day … Continue reading

March 2017 Recap

What a difference a year makes.  Do you recall how 2016 started? The United States’ Federal Reserve announced the first interest rate hike in years in December of 2015, and the S&P 500 would then plummet almost 11% over the … Continue reading

Tax Free? Does it Really Exist?

Most People Confuse Tax Deferred (will be taxed at some point) with Tax Free (will never be taxed) When most investors hear “tax free income”, they immediately think about investing in municipal bonds which are free from federal income taxation.  … Continue reading

ISR - What is it and is it for you?

Recently, I have been working with a USPFA member discussing and evaluating one of these transition times for many of us in regard to our retirement planning. The top of mind topic for these members was the In-Service Rollover (or ISR). Many people are not aware that once you reach the age of 59 ½, you have the ability to transfer a portion of your retirement plan assets (401k, 403b or similar retirement plan vehicle) into a self-directed IRA. This transfer can be completed while you are still working for your employer and while you continue to participate in your employer provided retirement plan. Each retirement plan has specific rules and processes but typically, this transfer can be up to 80% of your 401k balance.