Andrew Rafal talks year-end financial tips with Good Morning Arizona

End of Year Financial Checklist The 5 most important steps to take before the end of the year Maximize Your Retirement Contributions In 2015, the maximum 401(k) contribution has been increased to $18,000, or $24,000 for those over 50. Even if you can’t save the top amount, try to contribute enough to maximize your employer’s match. For those with a traditional IRA, the maximum contribution is unchanged from 2014 - $5,500, or $6,500 for those over 50. The same is true for Roth IRA contributions. You can make a 2015 contribution to your IRA anytime until Tax Day, which this year will be April 18, 2016. Review and Rebalance Your Retirement Portfolio End of year is a great time to look at how your retirement savings plan has performed throughout the last year. Every family and investor is different, so it’s important to find a mix that fits your unique long-term goals. Take your RMD from Retirement Accounts and avoid 401(k) and IRA Minimum Distribution Penalties If you turned 70½ in 2015 and have retirement accounts funded with pre-tax dollars, you’ll need to start taking Required Minimum Distributions, or RMDs. Missing the distribution deadline will result in a 50% tax on the required RMD. Partial distributions are also penalized. Take Note of Social Security Benefit Changes Congress recently passed the Bipartisan Budget Bill that will close some popular Society Security filing strategies, like file and suspend and restricted spousal application methods. Find out the upcoming deadlines or each strategy and understand how it will affect you. Review Your Family Financial Plan and Beneficiary Forms The end of the year is a great time to review your financial plans and compare your progress with your goals. If something isn’t working, then revise your strategy for the New Year. Start by evaluating your risk tolerance and market exposure. Also take the time to also update wills and beneficiaries, particularly if there’s been a birth, death, marriage or divorce. www.bayntree.com...(read more)

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American Hartford Gold Review – Best Gold IRA? Pros and Cons

In this American Hartford Gold Group review, I go over what makes this Gold IRA company unique, the pros and cons, their fees, and much more. Get Their Free Guide Here: 00:00 Intro 00:25 Is Gold a Good Investment? 01:02 Why Choose American Hartford Gold? 01:48 Is American Hartford Gold a Legitimate Company? 02:35 How Does American Hartford Gold Work? 03:30 American Hartford Gold’s Price Match Guarantee 03:57 American Hartford Gold’s Minimum Investment 04:28 American Hartford Gold’s Buyback Guarantee 04:56 American Hartford Gold Storage and Security 05:54 American Hartford Gold Free Silver Promotions 06:11 No Overseas Storage Options 06:22 American Hartford Gold Group Price List Not Available Online 06:38 American Hartford Gold Group Review Summary 👉 FREE Resources: ➜ Gold IRA Company Reviews: American Hartford Gold Group continues to be a well-respected market leader in the gold IRA and precious metals investment industry. The company’s proven track record ...

New York Times Company Continues to Add Online Subscribers at a Steady Clip

Business News by Timothy Sumer - The company’s first quarter results showed total paid subscriptions reaching 4.5 million. Online ad revenue rose 19 percent, to $55 million, thanks, in part, to “The Daily” podcast. from NYT > Business https://nyti.ms/304QC2w via Timothy Sumer

How to Change Password for Fidelity Investments App

How to Change Password for Fidelity Investments App In this video, I'll show you How to Change Password for Fidelity Investments App. This is the easiest and fastest way to Change Password for Fidelity Investments App. Make sure you watch until the end of this video to find out How to Change Password for Fidelity Investments App on Android and iPhone. These methods work on Android as well as iOS 11, iOS 12, iOS 13, iOS 15 and iOS 16. Hope you enjoy! Video Parts: 00:00 Intro: How to Change Password for Fidelity Investments App 00:07 Changing Password on Fidelity Investments App 00:38 Outro: Ending Thanks for watching! ❤ Bytes Media © 2022 Topics Covered: Bytes Media how to how to fix How to Change Password for Fidelity Investments App how to change password for fidelity investments fidelity password fidelity login how to change fidelity wifi password i forgot my fidelity online banking username and password fidelity password requirements fidelity customer service fi...

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