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Annuity Distributions
(McNeely Content/Blog)
Tags: [Annuity Distributions, variable annuities, Payouts for life?] ...
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Are Your Beneficiary Designations Up-to-Date?
(McNeely Content/Blog)
Tags: [Insurance (life, accidental death and dismemberment, etc.) * Retirement plans (IRAs, 401(k) plans, Keoghs, etc.) * Certain annuities * Brokerage accounts with transfer on death (TOD) designations ...
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Why Use a Financial Advisor?
(McNeely Content/general)
Tags: [McNeely Financial Strategies, The Key to Financial Success, plan for life, Financial Planning] ...
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A Plan for Your Wealth
(McNeely Content/Financial Strategies)
Tags: [Asset Allocation, Insurance, Tax-Managed Investments, long-term care, permanent life insurance] ...
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Stocks Drop Sharply on U.S., Global Economic Worries
(McNeely Content/Blog)
... gain through July. As I've noted before, market volatility is a continuing fact of life, but market corrections offer good opportunities to re-enter the market. I'll be happy to review your portfolio ...
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Budgeting
(McNeely Content/Blog)
... Flexibility is always an important ingredient in the planning process. As life's circumstances change, as they inevitably will, you will need to adjust your spending plan accordingly. The important point ...
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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)
... any estate taxes due at your death or to provide for your family, you might want to fund your trust with a life insurance policy. When you create and fund a trust, you are known as the grantor (or sometimes, ...
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Annuity Distributions
(McNeely Content/Blog)
... fee or charge, depending on the issuer. Read the annuity's prospectus or contract for a description of the available options and associated fees and charges, if any. Payouts for life? More or less Most ...
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Gift and Estate Tax
(McNeely Content/Blog)
If you give away money or property during your life, those transfers may be subject to federal gift tax and perhaps state gift tax. The money and property you own when you die (i.e., your estate) may also ...
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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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Fixed Annuity Contracts
(McNeely Content/Blog)
... to change the rate. However, you'll always be offered a minimum guaranteed rate (often 4 percent or less) for the life of the contract. In many cases, the performance of newer fixed annuity products is ...
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Social Security Disability Benefits
(McNeely Content/Blog)
... monthly disability check is based on your average lifetime earnings. Generally, you'll receive an amount equal to what you would receive were you to begin receiving Social Security retirement benefits ...
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Understanding Long-Term Care Insurance
(McNeely Content/Blog)
... is often very expensive. Although Medicaid does cover some of the costs of long-term care, it has strict financial eligibility requirements--you would have to exhaust a large portion of your life savings ...
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The Roth 401(k)
(McNeely Content/Blog)
... cases, after you retire), but you can generally roll over your Roth 401(k) dollars into a Roth IRA if you don't need or want the lifetime distributions. (Note: The Worker, Retiree, and Employer Recovery ...
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Wills: The Cornerstone of Your Estate Plan
(McNeely Content/Blog)
... important if you have a spouse or minor children who are unable to manage assets or property themselves. Wills can fund a living trust A living trust is a trust that you create during your lifetime. ...
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Working with a Financial Advisor
(McNeely Content/Blog)
The world of 50 years ago was a lot different than it is today. An individual often worked at the same job all his or her adult life, lived in the same house, and stayed married to the same spouse. In ...
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Sticker Shock: Creative Ways to Lower the Cost of College
(McNeely Content/Blog)
... for 2009 and 2010) and the Lifetime Learning credit. Check to see if your employer offers any educational assistance Does your employer offer any educational benefits for the children of its employees, ...
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Advantages and Disadvantages of Self-Employment
(McNeely Content/Blog)
... business or working as an independent contractor, you'll soon realize that working for yourself isn't just another job, it's a way of life. Are you someone who likes a nine-to-five routine and collecting ...
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Accidental Death and Dismemberment Insurance
(McNeely Content/Blog)
Accidental death and dismemberment insurance (AD & D) is inexpensive life insurance coverage that pays a benefit if you die as a result of an accident. It also pays you a predetermined benefit if you lose, ...
