Timothy Sumer

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Greg Shepard - S&A Financial Services, Inc. TIAA Traditional (fixed account) has been the most confusing investment in higher ed retirement plans in my 20+ yr tenure specializing in higher ed retirement plans. Join financial advisor Greg Shepard as he provides valuable insights into TIAA Traditional for higher education retirement plans. In this recorded webinar, Greg shares his expertise gained over 20 years of experience, covering essential topics such as current rates, liquidity issues, lifetime income annuity options, and more. Gain valuable knowledge and make informed decisions about your retirement plan . Remember though, there is no "one-size-fits-all" strategy and I encourage you to talk to a financial advisor that specializes in this area prior to initiating any strategy discussed. 🎤 Podcast Episode - Why I'm a Hypocrite on TIAA Traditional 🎤 Podcast Episode - TIAA Traditional Lifetime Income Annuity Option - RC Contract email: greg@

What Do I Invest In After Maxing Out My 401(k)? Listen to how ordinary people built extraordinary wealth—and how you can too. You’ll learn how millionaires live on less than they make, avoid debt, invest, are disciplined and responsible! Featuring hosts from the Ramsey Network: Dave Ramsey, Ken Coleman, Christy Wright, Rachel Cruze, Anthony ONeal and John Delony.... ( read more ) LEARN MORE ABOUT: 401a Plans REVEALED: Best Investment During Inflation HOW TO INVEST IN GOLD: Gold IRA Investing HOW TO INVEST IN SILVER: Silver IRA Investing What Do I Invest In After Maxing Out My 401(k)? Maxing out your 401(k) contributions is an impressive milestone and demonstrates your commitment to saving for retirement. However, it is essential to continue investing wisely even after you have reached this financial goal. Here are some investment options to consider once you have maxed out your 401(k): 1. Individual Retirement Accounts (IRA): If you have contri

In this video, I'm talking about the 401k retirement plan over contribution. What happens if you contribution more than the 401k retirement plan limit of $19,000. Contributing over the 401k retirement plan limit can cause you to have the 6% excess contribution tax. ///////////////////////////////////////////////// Get answers FASTER... Join this channel to get access to perks: Chat on discord: Join Link Support on Patreon: Get IRS FORM W4 TAX WITHHOLDING HELP HERE STARTING AT $39. bit.ly/3FJ6w8U ----------------------------------------------------- Are you ready for professional investment advice? We can help you with financial planning and asset management. Let us guide your investments to your financial freedom. START HERE Our financial planning process is an ongoing relationship because as you grow, your financial plan grows with you. At Sickle Hunter Financial Advisors, we believe that saving and making sound financial decisions will help improve your

Greg Shepard - S&A Financial Services, Inc. Welcome to S&A Financial Services with Greg Shepard, your trusted source for maximizing your higher education retirement plan . In this video, Greg addresses the frequently asked questions surrounding TIAA Traditional annuity options. With current high-interest rates, understanding the liquidation process and distribution strategies for your TIAA Traditional account is crucial. Greg explains popular choices, such as the single life annuity option, where the money is gone upon your passing, regardless of marital status or beneficiaries. He also explores the single life with a 10-year guarantee option, where your spouse receives payments for the remaining 10 years, but after that, the funds are depleted. Moreover, Greg delves into joint life annuity options, including the joint life with a 20-year guarantee. For estate planning purposes, Greg hints at alternative options that may better serve your goals. To dive deeper

Overview of the recent legislative changes related to Tier 2 members of the PSPRS retirement system.... ( read more ) LEARN MORE ABOUT: 401a Plans REVEALED: Best Investment During Inflation HOW TO INVEST IN GOLD: Gold IRA Investing HOW TO INVEST IN SILVER: Silver IRA Investing Inside the PSPRS Tier 2 Defined Contribution Plan The Public Safety Personnel Retirement System (PSPRS) in Arizona offers various retirement plans for public safety employees, including the Tier 2 Defined Contribution plan. This plan, designed for individuals hired on or after January 1, 2012, offers a unique approach to retirement savings and provides participants with greater control over their investments. The Tier 2 Defined Contribution plan is a departure from the traditional defined benefit plans offered by most pension systems. Instead of guaranteeing a specific monthly benefit for life, this plan allows participants to contribute a percentage of their salary to their ret

This video is part of Riiv's Education Series. I talked to Certified Financial Planner Matt Frankel about the difference between a 401k and a pension. The discussion covers not only what's more common today, but why pensions are so hard to come by. Follow Matt's channel @MattFrankelCFP for more great topics like this. Looking for great investment ideas? Visit for ten top stock picks from The Motley Fool. Travis Hoium does not have a position in any company mentioned. A portion of this video is sponsored by The Motley Fool. Visit to get access to my special offer. The Motley Fool Stock Advisor returns are 337% as of 10/21/2022 and measured against the S&P 500 returns of 105% as of 10/21/2022. Past performance is not an indicator of future results. All investing involves a risk of loss. Individual investment results may vary, not all Motley Fool Stock Advisor picks have performed as well.... ( read more ) LEARN MORE ABOUT: 401a Plans REVEALE

Greg Shepard - S&A Financial Services, Inc. Just when you thought it couldn't get better, TIAA goes and surprises me with their new May TIAA Traditional rates. Beware though! Make sure you know what you're doing prior to entering these TIAA Traditional contracts. There could be liquidity issues around some of your contracts. Make sure to watch till the end where I reveal even a bigger surprise with TIAA Traditional held inside an IRA. 🎤 Podcast Episode - Why I'm a Hypocrite on TIAA Traditional 📆 Jump on my calendar to see how we can improve your higher ed retirement plan email: greg@shepardfinancial.com 913-521-2381 *Disclosure* S&A Financial Services, Inc. is a registered investment advisor. Content presented is for informational purposes only and should not be considered as investment advice or as an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Always consult with y

Greg Shepard - S&A Financial Services, Inc. The purpose of this video is to attempt clarifying the "guarantees" of TIAA Traditional in an intelligent manner. A lot of you have done a great job in researching and doing your due diligence when it comes to the restrictions and rules surrounding TIAA Traditional, but get a little tripped up when it comes to the "guarantees." This is absolutely understandable because the nuances of TIAA Traditional can be very confusing. 🎤 Podcast Episode - Why I'm a Hypocrite on TIAA Traditional 📆 Jump on my calendar to see how we can improve your higher ed retirement plan email: greg@shepardfinancial.com 913-521-2381 *Disclosure* S&A Financial Services, Inc. is a registered investment advisor. Content presented is for informational purposes only and should not be considered as investment advice or as an offer or solicitation for the sale or purchase of any specific securities, investments, or invest

As it pertains to planning your retirement you will discover there are many options accessible towards the experienced investor. The issue isn't just within expense possibilities however the understanding that is needed to be able to change individuals possibilities in to crazy successes. Because of this on your own, We suggest that your first stop together the road to financial retirement investment be at the doorway of the qualified monetary planner. check it on ... ( read more ) LEARN MORE ABOUT: 401a Plans REVEALED: Best Investment During Inflation HOW TO INVEST IN GOLD: Gold IRA Investing HOW TO INVEST IN SILVER: Silver IRA Investing A 401(k) plan is a retirement savings plan that allows employees to contribute a portion of their wages before taxes are deducted. These contributions are invested by the plan administrator and can grow tax-free until retirement. Individual contributions can be matched by the employer, and some plans offer addition

Join our Facebook Group: 39.6 Community 39point6 Episode 22 - Backdoor Roth Tutorial - and why do it if high income? *note - i wasn't clear on this part: if you're income is too high to put into Roth IRA directly, your income is also too high to take a deduction on your traditional IRA contribution; thus it must go in "non-deductible." (sorry for the lighting issues!)... ( read more ) LEARN MORE ABOUT: IRA Accounts CONVERT IRA TO GOLD: Gold IRA Account CONVERT IRA TO SILVER: Silver IRA Account REVEALED: Best Gold Backed IRA In the latest episode of the 39.6 podcast, the hosts dive into the world of Backdoor Roth IRA, a strategy that allows high-income earners to contribute to a Roth IRA even if they exceed the income limits. The hosts start by explaining the difference between a traditional IRA and a Roth IRA, with the former offering tax benefits in the year you make contributions, while the latter offering tax-free withdrawals i

... ( read more ) LEARN MORE ABOUT: 401a Plans REVEALED: Best Investment During Inflation HOW TO INVEST IN GOLD: Gold IRA Investing HOW TO INVEST IN SILVER: Silver IRA Investing For many of us, planning for retirement is a daunting task. We all wish to live a comfortable retired life, but the process can be quite daunting. However, it seems that there is one unlikely creature that has already sorted out its retirement: the dinosaur! Yes, you read that right! According to recent studies, the dinosaurs had an excellent 401A retirement plan — a structured retirement plan that is similar to the ones we have today. So, what exactly is a 401A retirement plan ? It is a defined-contribution plan that helps employees prepare for their retirement years. Employers sponsor this plan and contribute a percentage of an employee's salary towards their retirement savings. It is an excellent way for employees to invest in their future while enjoying the benefits

You have spent your entire working life growing your retirement in your 401K, what now? I am going to give you some ideas of what you can do as you reach the distribution phase. Watch and Enjoy! Rob Gill GET YOUR FREE GAME PLAN GET ACCESS TO OUR FREE FINANCIAL FREEDOM ROAD MAP DOWNLOAD YOUR FREE CASH FLOW ANALYSIS GUIDE GET ACCESS TO OUR GUARANTEED INCOME GUIDE MUSIC AND LICENSE Title - From Ashes Artist - PALA License - VIDEO PRODUCED BY Motormind Marketing Alliance Your Best Allies in Video 385-215-9003 Motormindmarketingalliance@gmail.com “EPIC Financial Strategies” is a trade name referring to EPIC Insurance Services, LLC. All references to “EPIC” contained in this video pertain to EPIC Insurance Services, LLC. Robert Gill is not in the business of providing investment advice and specifically disclaims any liability, loss or risk incurred as a consequence, either directly or indirectly, through the use of any of the information contained in this vide

for my friends dcet... ( read more ) LEARN MORE ABOUT: 401a Plans REVEALED: Best Investment During Inflation HOW TO INVEST IN GOLD: Gold IRA Investing HOW TO INVEST IN SILVER: Silver IRA Investing DCET 401A is a type of power supply designed for use in high-power applications. It is a high-voltage, high-current, high-frequency DC-DC converter that can provide up to 400A of continuous current and up to 400V of output voltage. The DCET 401A is designed for applications such as motor drives, power supplies, and energy storage systems. The DCET 401A is a high-efficiency, high-power, high-frequency DC-DC converter that can provide up to 400A of continuous current and up to 400V of output voltage. It is designed for applications such as motor drives, power supplies, and energy storage systems. The DCET 401A is a high-efficiency, high-power, high-frequency DC-DC converter that can provide up to 400A of continuous current and up to 400V of output voltage. The

This video is to help new technicians learn the basics of checking the charge on an air conditioner. The EPA requires all persons handling refrigerant to be EPA 608 certified. Please do not attempt to charge a unit if you are not certified or a student working under the supervision of a qualified trainer.... ( read more ) LEARN MORE ABOUT: 401a Plans REVEALED: Best Investment During Inflation HOW TO INVEST IN GOLD: Gold IRA Investing HOW TO INVEST IN SILVER: Silver IRA Investing Refrigerant charge is an important factor in the proper operation of a condensing unit. If the charge is incorrect, the system may not operate efficiently and may even cause damage to the equipment. The sub-cooling method is a reliable way to check the refrigerant charge of an R-410a condensing unit. The sub-cooling method involves measuring the temperature difference between the refrigerant leaving the condenser and the refrigerant entering the evaporator. If the difference

... ( read more ) LEARN MORE ABOUT: 401a Plans REVEALED: Best Investment During Inflation HOW TO INVEST IN GOLD: Gold IRA Investing HOW TO INVEST IN SILVER: Silver IRA Investing Stanford Educ 401A SPSS - Class 4 - Strings In the fourth class of Stanford Educ 401A, students learn about strings in SPSS. Strings are a type of data that can be used to represent text or other non-numeric information. Strings can be used to store names, addresses, and other textual information. The class begins by introducing the concept of strings and how they are used in SPSS. Students learn how to create strings, as well as how to assign values to them. Students also learn how to manipulate strings, including how to concatenate strings, split strings, and search for substrings. The class then moves on to discuss string functions, which are special commands that can be used to manipulate strings. Students learn how to use the string functions to perform operations such a

... ( read more ) LEARN MORE ABOUT: 401a Plans REVEALED: Best Investment During Inflation HOW TO INVEST IN GOLD: Gold IRA Investing HOW TO INVEST IN SILVER: Silver IRA Investing The 2019 401A Montage was an event to remember. It was held in the heart of downtown Toronto, and featured some of the best up and coming hip hop and rap talent from across Canada. The event was hosted by the popular Canadian hip hop collective, 401A, and featured performances from some of the most promising new artists in the industry. The lineup included rising stars like Tory Lanez, Killy, and Pressa, as well as established acts like Kardinal Offishall and K-os. The night was filled with energy and excitement, as the crowd was treated to a night of hard hitting rhymes, infectious beats, and powerful performances. The artists showcased their unique styles and talents, and the audience was captivated throughout the night. The event also featured a special surprise performanc