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Establishing a Budget
(McNeely Content/Blog)
Tags: [Evaluate your budget, Monitor your budget, Establishing a Budget, Examine your financial goals, Identify your current monthly income and expenses] ...
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Coping with Market Volatility: Consider Playing Defense
(McNeely Content/Blog)
Tags: [Rebalancing, Market Volatility, Dividend Income, allocation] ...
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Build Your Legacy
(McNeely Content/Financial Strategies)
... remainder trusts, charitable lead trusts, charitable gift annuities, and pooled-income and donor-advised funds, custodian accounts for minors, section 529 college savings plans, sophisticated trust solutions] ...
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Manage Your Assets
(McNeely Content/Financial Strategies)
Tags: [investment alternatives, Professional Asset Management, fixed income, equity, Alternative Investments, eal estate, private equity, commodities, managed futures, structured products, hedge funds, ...
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Annuities
(McNeely Content/services)
Tags: [annuities, variable annuities, tax deferral, income, Annuitize] ...
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Budgeting
(McNeely Content/Blog)
What is budgeting? Budgeting is a process for tracking, planning, and controlling the inflow and outflow of income. It is a process that we all begin soon after we get our first spending money. Relying ...
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Establishing a Financial Safety Net
(McNeely Content/Blog)
... and long-term disability protection? Are you paying for your child's orthodontics? Are you making car payments? Other factors you need to consider include your job security, health, and income. The bottom ...
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Establishing a Budget
(McNeely Content/Blog)
... of your goals, you can work toward establishing a budget that can help you reach them. Identify your current monthly income and expenses To develop a budget that is appropriate for your lifestyle, you'll ...
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Trust Basics
(McNeely Content/Blog)
... if you want the trust to generate income, you may want to put income-producing securities, such as bonds, in your trust. Or, if you want your trust to create a pool of cash that may be accessible to pay ...
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Annuity Distributions
(McNeely Content/Blog)
Annuity distributions are categorized in two ways: withdrawals or annuitization (guaranteed income stream). The annuity contract itself explains the annuitization payout options available to you, including ...
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Health Insurance in Retirement
(McNeely Content/Blog)
... care if you ever need it. You'll need to pay for that out of pocket or rely on benefits from long-term care insurance (LTCI) or, if your assets and/or income are low enough to allow you to qualify, Medicaid. ...
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Gift and Estate Tax
(McNeely Content/Blog)
... unified into one--that is, the same rates applied to gifts made and property owned by persons who died in 2001. Like income tax rates, gift and estate tax rates were graduated. Under this unified system, ...
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Immediate vs. Deferred Annuities
(McNeely Content/Blog)
... stream of payments for life. Immediate annuities Immediate annuities allow you to convert a lump sum of cash into an income stream. They differ from deferred annuities in that they do not have an accumulation ...
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Evaluating a Job Offer
(McNeely Content/Blog)
... commissions, and profit-sharing plans that can increase your total income. Find out what benefits the company offers and how much of the cost you'll bear as an employee. Don't overlook the value of good ...
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Fixed Annuity Contracts
(McNeely Content/Blog)
... loan can have adverse consequences. And no matter how long you own an annuity, the gain is always taxed at ordinary income tax rates rather than at capital gains tax rates. A fixed annuity usually penalizes ...
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Annuities: Traps for the Unwary
(McNeely Content/Blog)
Annuities are fairly straightforward products as far as taxation is concerned. To the extent that a distribution is considered a return of your investment in the contract, no income tax is due; to the ...
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Social Security Disability Benefits
(McNeely Content/Blog)
... two programs that pay disability benefits. The Social Security Disability Insurance (SSDI) program pays benefits to qualified individuals who are under full retirement age, regardless of their income. ...
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The Roth 401(k)
(McNeely Content/Blog)
... role in maximizing your retirement income. What is a Roth 401(k)? A Roth 401(k) is simply a traditional 401(k) plan that accepts Roth 401(k) contributions. Roth 401(k) contributions are made on an after-tax ...
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Working with a Financial Advisor
(McNeely Content/Blog)
... a company pension. Today, your hopes and dreams are no different. Like most people, you probably want to buy a home, put your children through college, and retire with a comfortable income. But the world ...
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Advantages and Disadvantages of Self-Employment
(McNeely Content/Blog)
... or even stay home sick without losing income. It also means that you'll have to provide your own health insurance and retirement plan. Remember, too, that you can choose your clients or customers, but ...
