Archive for 'December 2016'

    Avoiding Retirement Account Mistakes

    December 22, 2016 3:40 PM by Brian Dobbis

    The good news is that the IRS corrects some mistakes. The bad news is that some mistakes can’t be fixed—and that can be costly. 

    Mistakes happen—something we all know too well. So, for example, have you or a client encountered a compliance issue with a retirement account, such as a qualified plan and/or IRA? My assumption is the answer is a resounding yes!

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    Catching a Wave of Year-End Roth IRA Questions

    December 15, 2016 2:45 PM by Brian Dobbis

    Here are answers to a few frequently asked questions from financial advisors about retirement rules and strategies


    Many readers of this weekly blog contact me directly with questions, suggestions and ideas. I’m on the road 70% of the time, and I speak at 100 meetings a year and meet thousands of financial advisors (FAs), all in addition to writing this weekly blog, participating in periodic webinars, and giving internal presentations. So many questions arise during these events that I’ve decided to address frequently asked questions on a regular basis. This week I'm going to give you a glimpse into my e-mail inbox. Here are some recent inquiries that might be of interest:

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    Will We See a Bolder Fed in 2017?

    December 14, 2016 3:20 PM by Zane Brown

    U.S. policymakers hiked rates as expected on December 14 and signaled the possibility of a more aggressive pace of policy tightening in 2017. 

    Another December, another rate hike by the U.S. Federal Reserve (Fed). As expected, the Fed’s policy-setting arm, the Federal Open Market Committee (FOMC), raised its target policy rate 25 basis points at the conclusion of its two-day meeting on December 14 to a range of 0.50% to 0.75%.  (The last Fed rate hike occurred on December 15, 2015.)  

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    IRA Tips Topped This Year’s Favorite Blog Posts

    December 8, 2016 4:34 PM by Brian Dobbis

    Recapping our most popular retirement posts of 2016


    As the year 2016 winds down, I am once again thankful to all the readers who have made “The Road to Retirement” a weekly read in such an over-communicated environment. I look forward to offering you more content in 2017. 

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    Dividend Payers and Growers: Smart Options in a Rising Rate Environment

    December 7, 2016 10:35 AM by Joseph M. Graham, CFA

    As bond yields begin to compete with equities, we recommend an ecumenical approach to equity income and growth in dividends.

    We spent a good part of 2016 discussing the somewhat rare opportunity to buy stocks at better yields than those offered by the 10-year U.S. Treasury.

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    Catching Up on 403(b) Catch-up Provisions

    December 1, 2016 9:31 AM by Brian Dobbis

    How much can one defer into a 403(b)? More than you might think.


    How much can a participant defer into his or her 403(b) account this year? It depends! 403(b)s are unique, in that they allow a special catch-up amount in addition to the $18,000 deferral and the $6,500 age-50 catch-up.   Unknown to many is the fact that certain 403(b) plans offer an additional contribution option known as the “15 years of service” catch-up.  This provision gives late starters to saving for retirement a quick way to boost their 403(b) savings rate.

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