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The definition of tax efficient withdrawals in retirement means correctly managing which account type your investments are in, when to pull from these accounts, and whether you should convert some of your tax-deferred accounts to Roth IRAs to reduce your overallRead more
You’ve probably heard or read that you should wait until age 70 before claiming Social Security. In this blog, I’m going to show you actual numbers, so that you can see just how much of a difference delaying Social Security can make. Read more
I recently spent four days at a tax training seminar for financial advisors. There were many impactful topics covered in the lessons. One of those, which I will cover in this blog post, is referred to as the widow’s (orRead more
Looking for something good to take away from the forced economic shutdown from Coronavirus-19? Although the shutdown crimped our lifestyle, it has had the benefit of forcing us to discover our minimal required spending. No travel, no eating out, noRead more
This post is a reprint of our newsletter sent to subscribers in June 2020. Stock market When the next massive event threatens the stock market, you should feel some comfort knowing that the government will step in and do everything itRead more
The following newsletter was originally sent to email subscribers on March 27, 2020. If you would like to receive my email newsletter once per quarter, please sign up here: Congress Spends $2 Trillion. It Won’t be Enough. Hello, I hopeRead more
In February, I attended two days of insurance training in Clearwater Beach, Florida. I don’t sell insurance, but part of creating a comprehensive financial plan is understanding if clients are fully covered by their various policies. Two training sessions were on long term care insurance policies (LTCi). I came awayRead more
Andrew Marshall Financial, LLC can help you plan your retirement, so you are able to make a smooth transition.
Christine Benz is very well known in retirement planning circles due to her work at Morningstar where she does retirement research on portfolio planning topics. She gave a talk to the American Association of Individual Investors (AAII) San Diego groupRead more
If you receive a pension, what stock allocation percentage should you use in your investment accounts? Every retiree or soon to be retiree needs to determine how much of their investments to place in stocks. The standard answer for retireesRead more
In this post I am going to show you a method for calculating your pension value. You can use these calculations to determine how much you would need in a retirement account (401(k)/403(b)/IRA) to safely withdraw an amount equal toRead more
What does a financial plan look like? (Updated 2022) In this blog post I am going to show you highlights of a sample financial plan for a couple approaching retirement. Each section of a financial plan from Andrew Marshall Financial,Read more
A Roth IRA account is a great way to create a million dollar retirement. Types of IRAs – There are two main types of IRAs, a traditional IRA and a Roth IRA. The taxes on these two accounts work differently. Contributions to a traditional IRA are taxRead more
Should you open a SEP IRA or Simple IRA if you are a one-person business? This review is for a one-person business whose owner is age 50 or over. It is NOT from the point of view of a small business with a fewRead more
With summer approaching, now is a good time to compile a list of the top vacation destinations for the Summer of 2017. This list is unlike any other, however. Rather than finding you the hip and trendy places being promotedRead more
