retire
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Tax-Efficient Trading in Retirement Accounts: A Wealth Advisor's Perspective
For investors who insist on actively managing their savings, a tax-advantaged retirement account can seem like an ideal place to do it. Scot Landborg, co-founder, partner, and senior wealth advis
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Retirement Savings by Age: A Look at Current Statistics
If youre like the majority of people, you probably need to step up your retirement savings efforts. A 2015 report from the Government Accountability Office (GAO) found that the median retiremen
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Understanding Risk Profiles: Individual & Organizational Assessment
What Is a Risk Profile? A risk profile is an evaluation of an individuals willingness and ability to take risks. It can also refer to the threats to which an organization is exposed. A risk pro
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Secure Your Future: Why Updating Retirement Account Beneficiaries is Crucial
Have you checked who you've designated to inherit your retirement account recently? If not, you may find that your designated beneficiary is not who or what you think it should be. If you hav
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Understanding Supplemental Executive Retirement Plans (SERPs)
What Is a Supplemental Executive Retirement Plan (SERP)? A supplemental executive retirement plan (SERP) is a set of benefits that may be made available to top-level employees in addition to th
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The 4% Rule: Retirement Income & Sustainable Withdrawals
What Is the Four Percent Rule? The Four Percent Rule is a rule of thumb used to determine how much a retiree should withdraw from a retirement account each year. This rule seeks to provide a st
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Employee Stock Ownership Plans (ESOPs): A Comprehensive Guide
What Is an Employee Stock Ownership Plan (ESOP)? An employee stock ownership plan (ESOP) is an employee benefit plan that gives workers ownership interest in the company. ESOPs give the sponsor
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401(k) vs. Pension: Understanding Retirement Plan Differences
401(k) vs. Pension Plan: An Overview A 401(k) plan and pension are both employer-sponsored retirement plans. The biggest difference between the two is that a 401(k) is a defined-contribution pl
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Mortgage Payoff vs. Retirement Investing: Which Should You Choose?
Trying to decide between eliminating debt and investing for the future is a difficult decision. For many families, this choice often comes in the form of paying down their mortgage (the biggest debt
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Understanding Required Minimum Distributions (RMDs)
What Is a Required Minimum Distribution (RMD)? A required minimum distribution (RMD) is the amount of money that must be withdrawn from an employer-sponsored retirement plan, traditional I
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SECURE Act Explained: How It Impacts Your Retirement Savings
The Setting Every Community Up for Retirement Enhancement Act of 2019, better known as the SECURE Act, which originally passed the House in July 2019, was approved by the Senate on Dec.19, 2019, as
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Retirement Savings Calculator: How Much Do You Need?
A key part of retirement planning is to answer the question: How much do I need to retire? The answer varies by individual, and it depends largely on your income now and the lifestyle you want in re
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Retirement Planning: 10 Essential Questions for Your Financial Advisor
Whether you're just starting to save for retirement, or you've been investing for years, it can be a smart move to turn to a professional for guidance. But before you choose one, here are 10
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Association Retirement Plans (ARP): Simplify Employee Retirement Savings
What Is an Association Retirement Plan (ARP)? An association retirement plan (ARP) is a type of “closed” multiple employer plan (MEP) that makes it easier for small businesses and self-employed
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COVID-19 & Retirement: Adjusting Your Strategy in Uncertain Times
COVID-19 is once again raging throughout the U.S., and in much of the world it has never stopped doing so. Safe and highly effective vaccines are available, but not everywhere, and even where they a
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Understanding Eligible Designated Beneficiaries (EDB) - SECURE Act
What Is an Eligible Designated Beneficiary? An eligible designated beneficiary (EDB) is a person included in a unique classification of retirement account beneficiaries. An individual may be cl
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Government Retirement Benefits: Beyond Social Security & Medicare
When most people think about government help with retirement, they think about Social Security and Medicare. This isnt necessarily surprising, since nine out of 10 retirees receive Social Security b
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The Racial Wealth Gap in Retirement Savings: A Critical Analysis
What Is the Racial Retirement Wealth Gap? Racial minorities in the U.S. have less saved for retirement than White Americans, putting them at an increased risk of instability in their post-work
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Retirement Savings: Understanding the Gender Gap & Contributing Factors
Why a Retirement Savings Gender Gap Exists When it comes to retirement savings, there is a disparity among different genders. For a number of reasons, women have historically socked away less,
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Retirement Planning for LGBTQ+ Individuals: A Comprehensive Guide
For many Americans, saving up enough money for a comfortable retirement is challenging. There’s a lot to learn, starting when you begin working in your teens or 20s. If you work for a company that o
retire
- Social Security & COVID-19: 4 Key Considerations for Claiming Benefits
- Planning Your Retirement Abroad: 5 Essential Considerations
- Unlock Retirement Savings: 4 Benefits of an Employee Stock Purchase Plan
- Re-entering the Workforce: Why Retirees Are Choosing to 'Unretire'
- Mutual Funds: A Guide to Protecting and Growing Your Investments
- Secure Your Future: Retirement Planning for a Longer Life
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Bitcoin Plummets Again: What Does This Mean for Crypto Investors?It looks like Mt. KillYourPortfolio (Bitcoin) could be erupting for a fifth time this year, once again covering the citizens of cryptoland (altcoins) in a sea of red lava (red candles). This natu...
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Top-Paying Jobs: Real Statistics & Career InsightsWhen it comes to career satisfaction, income isn’t everything. However, working in a field where people are highly compensated often means that you have exciting work, growth opportunities, and opport...
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![Loan Note: Definition, Purpose & Key Features - [Your Company Name]](https://www.etffin.com/article/uploadfiles/202109/2021092516535056_S.jpg)
Loan Note: Definition, Purpose & Key Features - [Your Company Name]What is a Loan Note? A loan note, or a promissory note, is a legal document that obligates one party to repay money to another party. A proper loan note also protects the interests of both th...
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Customer & Market Segmentation: Strategies for Business GrowthStrategic Positioning At a strategic level this is likely to be governed by your organisation’s positioning strategy, but you can also use segmentation at product level to segment yo...