Benzinga and Yahoo Finance LLC may earn commission or revenue on some items through the links below. A 58-year-old Reddit user sparked fierce debate on r/MiddleClassFinance this week after revealing what appears to be a rock-solid retirement picture: $1 million in combined 401(k)s, a $750,000 house that will be paid off in five years, and a husband aged 61. The question that triggered hundreds of responses? “Do you think we will be okay?” The post illuminated a growing paradox in American retirement plann ...

Safe Withdrawal Rates for Every Investment Horizon, From 3 to 50 YearsThis article draws heavily on Bill Bengen’s new groundbreaking safe withdrawal rate research and references his latest updates. Bill was kind enough to review the article and his insights are included. Bill is widely recognized as the originator of the “4% rule” and nearly every academic paper, financial-planning article, and media piece on retirement withdrawal rates references his work. Bill now unveils his updated safe withdrawal rate ...

Chicago-based investment advisor Rothschild Wealth Partners has acquired Illinois-based independent financial planner Siligmueller & Norvid Wealth Advisors (SNWA). SNWA was founded in 1998 by Dale Siligmueller and was later joined by Steve Norvid in 2008. The firm has grown to provide financial advice to business owners, families, and high-net-worth individuals. It manages approximately $300m in client assets. Rothschild said the acquisition is part of its strategy to expand in the US by partnering with ...

公司管理层任命 - Dennis Moore被正式任命为金融规划协会首席执行官 其自2024年2月起担任临时首席执行官 [1] - 此次任命是首席执行官搜寻委员会的最终建议 认为此决定对协会最为有利 [2] - 前任首席执行官Patrick Mahoney于2022年告知董事会其癌症诊断 并与协会共同制定了继任计划 包括任命Moore为临时首席执行官 [4] 新任首席执行官背景 - Dennis Moore于2024年5月被任命为协会首席运营官 并曾担任协会董事会成员六年 包括在2022年担任协会主席 [2] - 在加入协会之前 Moore是一名财务规划师 曾担任Quest Capital Management Inc的首席运营官 该公司于2021年被Mercer Advisors收购 [3] - Moore也是德州理工大学财务规划专业的兼职教授 目前正在攻读个人财务规划博士学位 [3] 协会历史与现状 - 金融规划协会成立于2000年 由注册财务规划师协会和国际财务规划协会合并而成 [5] - 目前协会拥有17,000名会员 [5] - 新任首席执行官表示 在其25周年之际接任 计划进行深思熟虑的创新 为未来25年提供最佳的会员体验和机会 [4]

“My brother-in-law has not charged me any money to handle my account.” (Photo subject is a model.) - Getty Images/iStockphoto Dear Quentin, When I divorced, my brother-in-law, a financial planner, helped me invest my money. I now realize that I don’t really like dealing with him personally and I would like a different company to handle my accounts. My brother-in-law has not charged me any money to handle my accounts, but I also do not think that I am his top client. I have found someone who I feel more ...

Retiring on $500,000 may sound unrealistic, but is it possible with careful planning? A half-million-dollar nest egg could provide steady income for decades if retirees use the right mix of withdrawal strategies, Social Security timing and cost-saving measures. Read More: Here’s How Much You Need To Retire With a $100K Lifestyle Find Out: 7 Tax Loopholes the Rich Use To Pay Less and Build More Wealth Christopher Stroup, a certified financial planner and founder and president of Silicon Beach Financial, sa ...

My husband does not have a living trust, nor am I on his bank accounts as a beneficiary. I’m also not on the title of our home that we have lived in for the past 30+ years. What are the repercussions that I may run into should he perish before me? All I have is a statement written that says he'll leave me all his assets. I am 69 years old. – Jan The state you live in matters a great deal here. Nine U.S. states follow community property law, meaning each spouse owns half of all the assets acquired during th ...

SmartAsset and Yahoo Finance LLC may earn commission or revenue through links in the content below. I was left $200,000 in an IRA Beneficiary Distribution Account (BDA) when my father passed. I have 10 years to withdraw this money. I’m at the 35% federal tax rate currently and plan to make a similar annual income over the next 10 years. Taking the money out in one lump sum would not change my federal tax rate but neither would taking it out over 10 years. Is there a benefit to keeping this money in the IR ...

强制最低提款规则 - 美国税法规定从特定税前退休账户中进行强制最低提款，适用于大多数账户类型，包括传统IRA、401(k)、403(b)等[3][6] - 个人在年满73岁后必须开始提取强制最低提款，无论是否需要该笔资金[3] - 强制最低提款的时机和金额有严格规定，未及时提取将面临未提取金额25%的巨额罚款[4] 强制最低提款计算方法 - 计算基于税前退休账户的金额和个人预期寿命，使用上一年度年末账户余额和国税局预期寿命表中与年龄对应的因子[7] - 例如，一位74岁退休人员在2022年末IRA账户余额为150,000美元，使用因子25.5计算，2023年强制最低提款额为5,882.35美元[8] - 提款不必一次性完成，可分期进行，也可提取超过最低要求的金额，最低提款额仅为必须满足的下限[9] 财务顾问的角色 - 尽管技术上不需要财务顾问来处理退休账户提款，但在决定清算哪些投资、应对潜在税务影响及确保满足强制最低提款要求方面，专业人士的协助有助于优化退休资金使用[2]

退休预算规划核心原则 - 退休预算规划对拥有固定收入和面临成本上升的退休人员至关重要[1] - 制定清晰计划以明确支出金额及资金来源是退休预算的关键[1] 预算制定基础 - 退休预算制定的首要步骤是进行现实核查，了解个人财务状况[3] - 必须基于事实而非假设进行预算，需清楚掌握的财务数字包括资产、负债、收入、支出和信用评分[3][8] 最低要求提领金策略运用 - 必须考虑每年从退休账户中强制提领的最低要求提领金金额以支持预算[4] - RMDs通常从73岁开始，每年截至12月31日必须完成提领，采用月度支付方式有助于分摊全年开支[4][5] - 若RMDs超过生活所需，在确保应急资金充足后，可将多余资金再投资于应税账户以避免错失增长潜力[6] 退休账户提款管理 - 退休人员常见的重大预算错误是将401(k)或IRA账户视作支票账户随意提款，而缺乏可持续的提款策略[7] - 退休账户提供高度流动性，可随时任意提款，但这同时也是一种危险的诱惑，可能导致资金无法持续[8]