Timothy Sumer

AT&T employees who stay with the company into 2023 could see the largest reduction in their pension lump-sum payments in a generation. In this video, we cover the projected pension drop, how to calculate your pension, and how to potentially avoid pension losses. ------------------------------------------------------------------------------------------------------------------------------------------------------- #retirement #att #401k #taxplanning #pension 00:00 - Introduction 00:10 - About TRG 04:41 - Pension Benefits Overview 05:25 - Pensions Options 07:34 - Service Pension Eligibility 09:26 - How Interest Rates Affect Pension 10:47 - Where Are Rates Now? 15:47 - Historic Interest Rates 16:05 - Example 1 17:58 - Example 2 22:12 - Pension Formulas 22:25 - Cash Balance Account 23:40 - CAM Benefit 23:58 - CAM Adjusted Career Income 26:56 - CAM Early Retirement Discount 27:50 - CAM Age Penalties 29:13 - Forms of Payment 31:37 - Get A Second Opinion 33:30 - Schedule A Meeti...

Jeff Dragon North Shore Retirement Advisors  (617) 855-9738 #financialadvisor #retirementplanning... ( read more ) LEARN MORE ABOUT: IRA Accounts TRANSFER IRA TO GOLD: Gold IRA Account TRANSFER IRA TO SILVER: Silver IRA Account REVEALED: Best Gold Backed IRA How to Avoid an IRA Rollover Mistake An Individual retirement account (IRA) is a popular investment option for individuals looking to secure their financial future. It offers tax advantages and a variety of investment options, making it an attractive choice for retirement savings. However, when it comes to rolling over your IRA, there are potential pitfalls you should be aware of to avoid any costly mistakes. In this article, we will discuss some essential tips on how to avoid an IRA rollover mistake. 1. Know the difference between a direct and indirect rollover: It's crucial to understand the two types of IRA rollovers. A direct rollover involves transferring funds from one IRA cust...

Explore the influence of #inflation on Treasury Bonds and discover how Treasury Inflation-Protected Securities (TIPS) serve as an effective hedge against inflation, ensuring the stability of your #retirement #investments. ______________________________________________ #tips #financialplanning #retirementplaning #corporate 1. LIKE our Facebook page: 2. VISIT our website: 3. FOLLOW our LinkedIn page for updates: Disclaimer: Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance is no guarantee of future results. Fees are incurred when assets are under the management of advisors affiliated with The Retirement Group. Therefore, the information presented here should only be relied upon when coordinated with individual professional advice. Securities offered through FSC Securities Corporation, member FINRA/SIPC. Investment advisory services of...

Discover what happens to your pension benefits if you are laid off before retirement, and how it may affect your retirement plan . Learn about the options available to you and how to make informed decisions about your retirement savings. ______________________________________________ #pension #benefits #layoffs #retirement #savings 1. LIKE our Facebook page: 2. VISIT our website: 3. FOLLOW our LinkedIn page for updates: Disclaimer: Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance is no guarantee of future results. Fees are incurred when assets are under the management of advisors affiliated with The Retirement Group. Therefore, the information presented here should only be relied upon when coordinated with individual professional advice. Securities offered through FSC Securities Corporation, member FINRA/SIPC. Investment Advisor Re...

Gain clarity on when and how to utilize a #RothIRA in conjunction with your #401k for optimal #retirementplanning, whether it's during your working years or after you've retired. _________________________________________ #retirement #financialplanning #exxonmobil #xom 1. LIKE our Facebook page: 2. VISIT our website: 3. FOLLOW our LinkedIn page for updates: Disclaimer: Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance is no guarantee of future results. Fees are incurred when assets are under the management of advisors affiliated with The Retirement Group. Therefore, the information presented here should only be relied upon when coordinated with individual professional advice. Securities offered through FSC Securities Corporation, member FINRA/SIPC. Investment advisory services offered through The Retirement Group, LLC. a regis...

Many don’t realize how much health care will cost in retirement, let alone that the way in which you disperse your retirement funds could impact what kind of care you have access to later in life. Are you comfortable with risking not having enough money to cover these crucial costs? This is where the Retirement Success Plan comes in. In this video, Troy Sharpe discusses the fourth step we take in Oak Harvest’s signature Retirement Success Plan - Health Care and Long-Term Care Planning, where we use the information we’ve gathered in the first three steps and come up with a strategic plan to qualify for the greatest amount of subsidy possible for your unique situation, and to run scenarios to help you determine just how much money you should to set aside to cover as much of the future financial burden as possible. 00:30 The First Four Steps of the Retirement Success Plan 02:34 Time to Strategize How And When To Withdraw 06:08 How to Calculate your Modified Adjusted Gross Inc...

If you're wondering how your retirement funds are protected in the case of a lump-sum payment compared to an annuity payment, watch this video for insights from our retirement planning expert Tyson Mavar. ___________________________________________________ #retirement #att #annuity #lumpsum #planning 1. LIKE our Facebook page: 2. VISIT our website: 3. FOLLOW our LinkedIn page for updates: Disclaimer: Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance is no guarantee of future results. Fees are incurred when assets are under the management of advisors affiliated with The Retirement Group. Therefore, the information presented here should only be relied upon when coordinated with individual professional advice. Securities offered through FSC Securities Corporation, member FINRA/SIPC. Investment Advisor Representative of & Adviso...

We're an investing service that also helps you keep your dough straight. We'll manage your retirement investments while teaching you all about your money. #retirement #retirementplanning #dohstr8 ---Ready to subscribe--- For more information visit: --- Instagram @jazzWealth --- Facebook --- Twitter @jazzWealth Business Affairs 📧Support@JazzWealth.com... ( read more ) LEARN MORE ABOUT: IRA Accounts TRANSFER IRA TO GOLD: Gold IRA Account TRANSFER IRA TO SILVER: Silver IRA Account REVEALED: Best Gold Backed IRA 529 To A Roth IRA? Congress Lied. In recent years, many families have relied on 529 plans to save for their children's education expenses. These tax-advantaged accounts have been promoted as the ideal way to fund higher education, with contributions growing tax-free and withdrawals being tax-free as well. However, a little-known provision hidden deep within the fine print of the tax code has left many feeling deceiv...

Financial Legacy Associates (636) 777-4200 If you’re changing jobs or retiring, it’s important to know the rules regarding moving funds from your employer sponsored retirement plan. The wrong move could cost you in income taxes and early withdrawal penalties. There are two basic ways to move retirement plan assets from one retirement plan into another with no tax consequence. With a direct rollover your financial institution or plan directly transfers the payment to another plan or IRA; no taxes are withheld and your account continues to grow tax-deferred. With an indirect rollover, a check is made payable to you. You have 60 days to deposit it into a Rollover IRA - but indirect rollovers are subject to 20% withholding. For example, if you had $10,000 eligible to rollover, your employer would withhold $2000 and you’d get a check for $8,000. You’ll get the $2000 that was withheld back when you file a tax return, either as a refund or a credit toward any tax owed. ...

Financial Legacy Associates (636) 777-4200 If you’re changing jobs or retiring, it’s important to know the rules regarding moving funds from your employer sponsored retirement plan. The wrong move could cost you in income taxes and early withdrawal penalties. There are two basic ways to move retirement plan assets from one retirement plan into another with no tax consequence. With a direct rollover your financial institution or plan directly transfers the payment to another plan or IRA; no taxes are withheld and your account continues to grow tax-deferred. With an indirect rollover, a check is made payable to you. You have 60 days to deposit it into a Rollover IRA - but indirect rollovers are subject to 20% withholding. For example, if you had $10,000 eligible to rollover, your employer would withhold $2000 and you’d get a check for $8,000. You’ll get the $2000 that was withheld back when you file a tax return, either as a refund or a credit toward any tax owed. ...

Are you considering retiring from #ATT in 2023? Let us help you make an informed decision! Watch this video where financial advisor Patrick Ray, guides you through the important factors to consider before retiring. Learn about the impact of rising #interestrates on your #retirement savings, the potential benefits of the current #housingmarket, and how to navigate the effects of #inflation. You deserve a retirement that is intentional and purposeful. Let us help you achieve that goal! __________________________________________________________________ Music by: 1. LIKE our Facebook page: 2. VISIT our website: 3. FOLLOW our LinkedIn page for updates: Disclaimer: Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance is no guarantee of future results. Fees are incurred when assets are under the management of advisors affiliated with The Ret...

We're an investing service that also helps you keep your dough straight. We'll manage your retirement investments while teaching you all about your money. Russell's Reserve Review 0:00 - 1:17 Intro To Topic 1:18 - 5:25 Email 1 5:44 - 8:20 Email 2 8:26 - 9:50 Email 3 9:52 - 10:44 Email 4 10:45 - 13:22 Email 5 13:27 - 16:28 Final Thoughts 16:29 - 19:07 #retirement #retirementplanning #dohstr8 ---Ready to subscribe--- For more information visit: --- Instagram @jazzWealth --- Facebook --- Twitter @jazzWealth Business Affairs 📧Support@JazzWealth.com... ( read more ) LEARN MORE ABOUT: IRA Accounts INVESTING IN A GOLD IRA: Gold IRA Account INVESTING IN A SILVER IRA: Silver IRA Account REVEALED: Best Gold Backed IRA Data-Driven Financial Tips: Insights from 89,000 Client Emails Jazz After Dark recently released a report on data-driven financial tips based on insights gathered from 89,000 client emails. The report offers valuab...

Learn about the benefits and limitations of a Backdoor Roth IRA, and how AT&T employees can use this strategy to boost their retirement savings in this informative Q&A session. ____________________________________ #rothira #retirement #att #ira #strategy 1. LIKE our Facebook page: 2. VISIT our website: 3. FOLLOW our LinkedIn page for updates: Disclaimer: Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance is no guarantee of future results. Fees are incurred when assets are under the management of advisors affiliated with The Retirement Group. Therefore, the information presented here should only be relied upon when coordinated with individual professional advice. Securities offered through FSC Securities Corporation, member FINRA/SIPC. Investment Advisor Representative of & Advisory Services offered through The Retirement G...

Apriem Advisors 949-253-8888 If you’re changing jobs or retiring, it’s important to know the rules regarding moving funds from your employer sponsored retirement plan. The wrong move could cost you in income taxes and early withdrawal penalties. You typically have four options, and you may engage in a combination of these options. You can leave the money in your former employer’s plan, if permitted. You can also cash out the account value, but you should research the tax implications first. There are two basic ways to move retirement plan assets from one retirement plan into another with no tax consequence. With a direct rollover, your financial institution or plan directly transfers the payment to another plan or IRA; no taxes are withheld and your account continues to grow tax-deferred. With an indirect rollover, a check is made payable to you. You have 60 days to deposit it into a Rollover IRA – after that the entire amount is considered income, and subject to taxes. You...

I'm retired, the stock markets are down, and I'm confused about my retirement planning . Should I pull out of the market? Did I time the market wrong? Will I lose my retirement income? In this video, Troy Sharpe discusses the best mindset to have when the markets are down and how to keep your retirement portfolio safe and sound! 00:36 Betty's Bad Luck 02:15 Long Story Short 03:00 Time IN The Market 04:00 Now is the Time for Fight not Flight! 05:29 Three Main Values 06:17 The Second Visit 07:33 Oak Harvest Financial Group 08:54 Bull Running To The Storm 10:00 Bull or the Buffalo? 11:00 Retirement Success Planning Process 11:40 Contact Us! Do you need a Retirement Success Plan that goes beyond allocating funds to truly fit your needs? We can help you create a retirement life plan customized for your retirement vision and legacy. Call us at (877) 404-0177 or fill out this form for a free consultation: Disclaimer: This video discusses fixed-income investing and ...

Here's how to maximize your retirement savings when rolling an old 401(k) into an IRA. Subscribe to the WSJ channel here: Visit the WSJ channel for more video: More from the Wall Street Journal: Visit WSJ.com: Follow WSJ on Facebook: Follow WSJ on Google+: Follow WSJ on Twitter: Follow WSJ on Instagram: Follow WSJ on Pinterest: Follow WSJ on Tumblr: Don’t miss a WSJ video, subscribe here: More from the Wall Street Journal: Visit WSJ.com: Visit the WSJ Video Center: On Facebook: On Twitter: On Snapchat: ... ( read more ) LEARN MORE ABOUT: IRA Accounts TRANSFER IRA TO GOLD: Gold IRA Account TRANSFER IRA TO SILVER: Silver IRA Account REVEALED: Best Gold Backed IRA When it comes to managing your retirement funds, IRA rollovers are a great way to maximize your savings. However, there are certain rules that must be followed to ensure your rollover is done correctly. Here are three important rules to keep in mind when considering an IR...