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Wealthy”.
THE 7 BEST QUESTIONS TO ASK A FINANCIAL ADVISOR IN 2021 The 7 Questions to Ask a Financial Advisor. There are over 10,000 San Diego financial advisors.And over 300,000 in the United States! Unlike doctors and attorneys, advisors aren’t required to use a consistentprofessional title.
SHOULD I WAIT TO BUY A HOUSE UNTIL AFTER THE REAL ESTATE Clark Howard says that the breakeven point for buying a house – versus continuing renting – is seven years. How come? Real estate commissions can eat a big chunk of your investment return. Holding your home longer allows you to build more equity over time, making up for the bite from the real estate agent commission. HACK STUDENT LOANS WITH INCOME-DRIVEN REPAYMENT Max Out Employer-Provided Retirement Plan. An easy first step to lowering your income-driven student loan payment is to put the maximum into your traditional 401 (k), 403 (b) or 457 plan. If you’re under age 50, you can sock away $19,500 in 2020. You may be wondering if this makes any sense at all. After all, wouldn’t putting money into NEW INHERITED IRA RULES (2020): HOW TO AVOID A MAJOR If you inherited a retirement account prior to 2020 from a person who was taking Required Minimum Distributions (RMDs), you were required to continue taking RMDs the first year after inheritance. Let’s use Roger as an example of how the old Inherited IRA Rules worked: Roger is 45-years old. His 80-year-old mother passed away in 2019 and he STEP-BY-STEP HOW TO LOWER TAXES IN RETIREMENT Step-by-Step How to Lower Taxes in Retirement Lowering taxes in retirement is easier than you might think. Here is a step-by-step guide showing you exactly how you can reduce your tax bill and keep more money in your pocket. IS WHAT I TELL MY FINANCIAL ADVISOR CONFIDENTIAL? This means that what is discussed between a lawyer and their client may be kept private. For financial planners, client confidentiality is similar – but different. For the most part, everything discussed with our clients is kept confidential. This is because client confidentially is a requirement of CERTIFIED FINANCIAL PLANNER TMprofessionals.
HOW TO GET THE MOST FROM BROADCOM'S 401(K), ESPP & RSUS Full Recap: How to Get the Most from Broadcom’s 401 (k), RSUs & ESPP. Step 1: Contribute 6% of your salary into a Traditional 401 (k) or the Roth 401 (k). Of course, we recommend the Roth 401 (k). Step 2: Watch your contribution double as Broadcom matches your money, dollar-for-dollar, in an Employer Match. SHOULD I INVEST THE DOWN PAYMENT I SAVED FOR MY NEXT HOME Just like it’s smart to set aside money for long-term goals, it’s also crucial to set money aside for short-term goals. Common short-term goals include: Creating a down payment for a new home or rental property. Paying next year’s college tuition bills. Getting a new (or used) car. Funding a few years of a sabbatical, orentrepreneurial
DO I NEED DISABILITY INSURANCE IF I'M NEAR RETIREMENT This couple near retirement did not need a long-term disability policy because they had already saved so much money. Officially retired from her physician’s practice, the wife had no need for disability insurance. Even with the husband still working, the couple had more than enough money to retire that very day – if the husband wantedto.
CERTIFIED FINANCIAL PLANNER SAN DIEGO In 2014, I launched Define Financial. We are a team of award-winning CFP® Professionals helping our clients reduce taxes, invest smarter, and retire on their terms. I’m a regular contributor to Kiplinger and the host of a Forbes Top 10 retirement podcast called “StayWealthy”.
THE 7 BEST QUESTIONS TO ASK A FINANCIAL ADVISOR IN 2021 The 7 Questions to Ask a Financial Advisor. There are over 10,000 San Diego financial advisors.And over 300,000 in the United States! Unlike doctors and attorneys, advisors aren’t required to use a consistentprofessional title.
SHOULD I WAIT TO BUY A HOUSE UNTIL AFTER THE REAL ESTATE Clark Howard says that the breakeven point for buying a house – versus continuing renting – is seven years. How come? Real estate commissions can eat a big chunk of your investment return. Holding your home longer allows you to build more equity over time, making up for the bite from the real estate agent commission. HACK STUDENT LOANS WITH INCOME-DRIVEN REPAYMENT Max Out Employer-Provided Retirement Plan. An easy first step to lowering your income-driven student loan payment is to put the maximum into your traditional 401 (k), 403 (b) or 457 plan. If you’re under age 50, you can sock away $19,500 in 2020. You may be wondering if this makes any sense at all. After all, wouldn’t putting money into NEW INHERITED IRA RULES (2020): HOW TO AVOID A MAJOR If you inherited a retirement account prior to 2020 from a person who was taking Required Minimum Distributions (RMDs), you were required to continue taking RMDs the first year after inheritance. Let’s use Roger as an example of how the old Inherited IRA Rules worked: Roger is 45-years old. His 80-year-old mother passed away in 2019 and he STEP-BY-STEP HOW TO LOWER TAXES IN RETIREMENT Step-by-Step How to Lower Taxes in Retirement Lowering taxes in retirement is easier than you might think. Here is a step-by-step guide showing you exactly how you can reduce your tax bill and keep more money in your pocket. IS WHAT I TELL MY FINANCIAL ADVISOR CONFIDENTIAL? This means that what is discussed between a lawyer and their client may be kept private. For financial planners, client confidentiality is similar – but different. For the most part, everything discussed with our clients is kept confidential. This is because client confidentially is a requirement of CERTIFIED FINANCIAL PLANNER TMprofessionals.
HOW TO GET THE MOST FROM BROADCOM'S 401(K), ESPP & RSUS Full Recap: How to Get the Most from Broadcom’s 401 (k), RSUs & ESPP. Step 1: Contribute 6% of your salary into a Traditional 401 (k) or the Roth 401 (k). Of course, we recommend the Roth 401 (k). Step 2: Watch your contribution double as Broadcom matches your money, dollar-for-dollar, in an Employer Match. SHOULD I INVEST THE DOWN PAYMENT I SAVED FOR MY NEXT HOME Just like it’s smart to set aside money for long-term goals, it’s also crucial to set money aside for short-term goals. Common short-term goals include: Creating a down payment for a new home or rental property. Paying next year’s college tuition bills. Getting a new (or used) car. Funding a few years of a sabbatical, orentrepreneurial
DO I NEED DISABILITY INSURANCE IF I'M NEAR RETIREMENT This couple near retirement did not need a long-term disability policy because they had already saved so much money. Officially retired from her physician’s practice, the wife had no need for disability insurance. Even with the husband still working, the couple had more than enough money to retire that very day – if the husband wantedto.
11 INSANELY EASY WAYS TO SAVE MONEY IN 2021 Today I’m sharing simple tips for how to save money in 2021. Why? Because when you save more money, you have more money to invest. And with more money to invest, you can use the magic of compounding interest to reach your retirement goals.. So if you want to learn 11 insanely easy ways to save more money this year, you’re going tolove this article.
CARES ACT: 5 THINGS EVERY RETIREE NEEDS TO KNOW...IN PLAIN To be spread across up to three future tax years. Withdrawing funds from retirement accounts should always be viewed as a last resort but it’s good to know those in dire need have some additional flexibility. 5.) Homeowners protected from foreclosure for 180 days. INTERNATIONAL STOCKS: ARE THEY A SMART Owning international stocks may increase your portfolio’s diversification. Instead of a negative return for the period, an investor who owned some international stocks was able to squeak out almost 2% per year for 10 years. That greatly outperforms U.S. stocks alone. Further, adding international stocks to a diversified portfolioand
WHY YOU SHOULD SKIP FAKE NEWS AND CHOOSE BORING Boring Investors Don’t Make the News. All of the above explains why so much of today’s financial media is “fake news.”. That’s because real financial advice is boring and repetitive – and that doesn’t make for good media content. Consumers don’t want to hear the same boring advice over and over again. They want to hearsomething
STEP-BY-STEP HOW TO LOWER TAXES IN RETIREMENT Step-by-Step How to Lower Taxes in Retirement Lowering taxes in retirement is easier than you might think. Here is a step-by-step guide showing you exactly how you can reduce your tax bill and keep more money in your pocket. THE SECRET TO TRACKING YOUR SPENDING AND SAVING MORE MONEY If you set a budget of $9,000 a year, you will spend $9,000 a year. If you simply tally your spending to learn that you’re spending $9,000, you’ll likely work to spend less. In short, tracking spending keeps you focused on saving money, which is the whole reason we’re doing this exercise in the first place! INVESTMENT POLICY STATEMENT (IPS) DEFINED + FREE SAMPLE assessment. The Investment Policy Statement (IPS) is a document that dictates how you invest your money. If you’re working with a financial planner, the Investment Policy Statement (IPS) will also dictate how they invest your money for you. While he/she will make smart investment decisions on your behalf, you will likely want tohave some say
TAYLOR SCHULTE
In 2014, I launched Define Financial. We are a team of award-winning CFP® Professionals who specialize in retirement & tax planning for people over age 50. We help our clients reduce taxes, invest smarter, and retire on their terms. Since starting Define Financial, I’ve been recognized as “The #2 Independent Financial Advisor in 2020”by
SHOULD I INVEST THE DOWN PAYMENT I SAVED FOR MY NEXT HOME Just like it’s smart to set aside money for long-term goals, it’s also crucial to set money aside for short-term goals. Common short-term goals include: Creating a down payment for a new home or rental property. Paying next year’s college tuition bills. Getting a new (or used) car. Funding a few years of a sabbatical, orentrepreneurial
PER STIRPES: WHAT DOES THIS FUNNY WORD MEAN + IS IT RIGHT Per stirpes means that if a beneficiary dies before you die, the deceased beneficiary’s children inherit your money. Without per stirpes, everything is passed to the remaining primary beneficiary. Consider a grandmother, daughter, and granddaughter. In most cases, when the grandmother dies, her money goes to her daughter. CERTIFIED FINANCIAL PLANNER SAN DIEGO In 2014, I launched Define Financial. We are a team of award-winning CFP® Professionals helping our clients reduce taxes, invest smarter, and retire on their terms. I’m a regular contributor to Kiplinger and the host of a Forbes Top 10 retirement podcast called “StayWealthy”.
THE 7 BEST QUESTIONS TO ASK A FINANCIAL ADVISOR IN 2021 The 7 Questions to Ask a Financial Advisor. There are over 10,000 San Diego financial advisors.And over 300,000 in the United States! Unlike doctors and attorneys, advisors aren’t required to use a consistentprofessional title.
SHOULD I WAIT TO BUY A HOUSE UNTIL AFTER THE REAL ESTATE Clark Howard says that the breakeven point for buying a house – versus continuing renting – is seven years. How come? Real estate commissions can eat a big chunk of your investment return. Holding your home longer allows you to build more equity over time, making up for the bite from the real estate agent commission. HACK STUDENT LOANS WITH INCOME-DRIVEN REPAYMENT Max Out Employer-Provided Retirement Plan. An easy first step to lowering your income-driven student loan payment is to put the maximum into your traditional 401 (k), 403 (b) or 457 plan. If you’re under age 50, you can sock away $19,500 in 2020. You may be wondering if this makes any sense at all. After all, wouldn’t putting money into CARES ACT: 5 THINGS EVERY RETIREE NEEDS TO KNOW...IN PLAIN To be spread across up to three future tax years. Withdrawing funds from retirement accounts should always be viewed as a last resort but it’s good to know those in dire need have some additional flexibility. 5.) Homeowners protected from foreclosure for 180 days.TAYLOR SCHULTE
In 2014, I launched Define Financial. We are a team of award-winning CFP® Professionals who specialize in retirement & tax planning for people over age 50. We help our clients reduce taxes, invest smarter, and retire on their terms. Since starting Define Financial, I’ve been recognized as “The #2 Independent Financial Advisor in 2020”by
STEP-BY-STEP HOW TO LOWER TAXES IN RETIREMENT Step-by-Step How to Lower Taxes in Retirement Lowering taxes in retirement is easier than you might think. Here is a step-by-step guide showing you exactly how you can reduce your tax bill and keep more money in your pocket. HOW TO GET THE MOST FROM BROADCOM'S 401(K), ESPP & RSUS Full Recap: How to Get the Most from Broadcom’s 401 (k), RSUs & ESPP. Step 1: Contribute 6% of your salary into a Traditional 401 (k) or the Roth 401 (k). Of course, we recommend the Roth 401 (k). Step 2: Watch your contribution double as Broadcom matches your money, dollar-for-dollar, in an Employer Match. IS WHAT I TELL MY FINANCIAL ADVISOR CONFIDENTIAL? This means that what is discussed between a lawyer and their client may be kept private. For financial planners, client confidentiality is similar – but different. For the most part, everything discussed with our clients is kept confidential. This is because client confidentially is a requirement of CERTIFIED FINANCIAL PLANNER TMprofessionals.
DO I NEED DISABILITY INSURANCE IF I'M NEAR RETIREMENT This couple near retirement did not need a long-term disability policy because they had already saved so much money. Officially retired from her physician’s practice, the wife had no need for disability insurance. Even with the husband still working, the couple had more than enough money to retire that very day – if the husband wantedto.
CERTIFIED FINANCIAL PLANNER SAN DIEGO In 2014, I launched Define Financial. We are a team of award-winning CFP® Professionals helping our clients reduce taxes, invest smarter, and retire on their terms. I’m a regular contributor to Kiplinger and the host of a Forbes Top 10 retirement podcast called “StayWealthy”.
THE 7 BEST QUESTIONS TO ASK A FINANCIAL ADVISOR IN 2021 The 7 Questions to Ask a Financial Advisor. There are over 10,000 San Diego financial advisors.And over 300,000 in the United States! Unlike doctors and attorneys, advisors aren’t required to use a consistentprofessional title.
SHOULD I WAIT TO BUY A HOUSE UNTIL AFTER THE REAL ESTATE Clark Howard says that the breakeven point for buying a house – versus continuing renting – is seven years. How come? Real estate commissions can eat a big chunk of your investment return. Holding your home longer allows you to build more equity over time, making up for the bite from the real estate agent commission. HACK STUDENT LOANS WITH INCOME-DRIVEN REPAYMENT Max Out Employer-Provided Retirement Plan. An easy first step to lowering your income-driven student loan payment is to put the maximum into your traditional 401 (k), 403 (b) or 457 plan. If you’re under age 50, you can sock away $19,500 in 2020. You may be wondering if this makes any sense at all. After all, wouldn’t putting money into CARES ACT: 5 THINGS EVERY RETIREE NEEDS TO KNOW...IN PLAIN To be spread across up to three future tax years. Withdrawing funds from retirement accounts should always be viewed as a last resort but it’s good to know those in dire need have some additional flexibility. 5.) Homeowners protected from foreclosure for 180 days.TAYLOR SCHULTE
In 2014, I launched Define Financial. We are a team of award-winning CFP® Professionals who specialize in retirement & tax planning for people over age 50. We help our clients reduce taxes, invest smarter, and retire on their terms. Since starting Define Financial, I’ve been recognized as “The #2 Independent Financial Advisor in 2020”by
STEP-BY-STEP HOW TO LOWER TAXES IN RETIREMENT Step-by-Step How to Lower Taxes in Retirement Lowering taxes in retirement is easier than you might think. Here is a step-by-step guide showing you exactly how you can reduce your tax bill and keep more money in your pocket. HOW TO GET THE MOST FROM BROADCOM'S 401(K), ESPP & RSUS Full Recap: How to Get the Most from Broadcom’s 401 (k), RSUs & ESPP. Step 1: Contribute 6% of your salary into a Traditional 401 (k) or the Roth 401 (k). Of course, we recommend the Roth 401 (k). Step 2: Watch your contribution double as Broadcom matches your money, dollar-for-dollar, in an Employer Match. IS WHAT I TELL MY FINANCIAL ADVISOR CONFIDENTIAL? This means that what is discussed between a lawyer and their client may be kept private. For financial planners, client confidentiality is similar – but different. For the most part, everything discussed with our clients is kept confidential. This is because client confidentially is a requirement of CERTIFIED FINANCIAL PLANNER TMprofessionals.
DO I NEED DISABILITY INSURANCE IF I'M NEAR RETIREMENT This couple near retirement did not need a long-term disability policy because they had already saved so much money. Officially retired from her physician’s practice, the wife had no need for disability insurance. Even with the husband still working, the couple had more than enough money to retire that very day – if the husband wantedto.
11 INSANELY EASY WAYS TO SAVE MONEY IN 2021 Today I’m sharing simple tips for how to save money in 2021. Why? Because when you save more money, you have more money to invest. And with more money to invest, you can use the magic of compounding interest to reach your retirement goals.. So if you want to learn 11 insanely easy ways to save more money this year, you’re going tolove this article.
CARES ACT: 5 THINGS EVERY RETIREE NEEDS TO KNOW...IN PLAIN Today we are sharing a summary of the CARES Act (a.k.a Coronavirus Aid, Relief, and Economics Security Act). It was passed by the U.S. Government on March 26 th, 2020 and it’s the largest economic stimulus bill in history.. The CARES Act provides financial support for:. Individuals & Families INTERNATIONAL STOCKS: ARE THEY A SMART Owning international stocks may increase your portfolio’s diversification. Instead of a negative return for the period, an investor who owned some international stocks was able to squeak out almost 2% per year for 10 years. That greatly outperforms U.S. stocks alone. Further, adding international stocks to a diversified portfolioand
STEP-BY-STEP HOW TO LOWER TAXES IN RETIREMENT Step-by-Step How to Lower Taxes in Retirement Lowering taxes in retirement is easier than you might think. Here is a step-by-step guide showing you exactly how you can reduce your tax bill and keep more money in your pocket. WHY INFLATION IS THE BEST INVESTMENT BENCHMARK A benchmark is a point of comparison, or a tool we can use to create a frame of reference. This helps us evaluate the performance of our investments. At Define Financial, we monitor inflation by using it as our investment benchmark on performance reports. This allows us to compare the real value of our client’s money yesterday, today, and THE SECRET TO TRACKING YOUR SPENDING AND SAVING MORE MONEY If you set a budget of $9,000 a year, you will spend $9,000 a year. If you simply tally your spending to learn that you’re spending $9,000, you’ll likely work to spend less. In short, tracking spending keeps you focused on saving money, which is the whole reason we’re doing this exercise in the first place!RAINY DAY FUND
A rainy day fund is just that; it’s something that you’ll use on a proverbial “rainy day.”. Your rainy day fund can be used for any unforeseen large and necessary expenses. Perhaps your rainy day money would be used for a surprise automobile expense, or an unforeseen-but-needed home repair. Or more likely, the true role of arainy day
INVESTMENT POLICY STATEMENT (IPS) DEFINED + FREE SAMPLE assessment. The Investment Policy Statement (IPS) is a document that dictates how you invest your money. If you’re working with a financial planner, the Investment Policy Statement (IPS) will also dictate how they invest your money for you. While he/she will make smart investment decisions on your behalf, you will likely want tohave some say
SHOULD I INVEST THE DOWN PAYMENT I SAVED FOR MY NEXT HOME Just like it’s smart to set aside money for long-term goals, it’s also crucial to set money aside for short-term goals. Common short-term goals include: Creating a down payment for a new home or rental property. Paying next year’s college tuition bills. Getting a new (or used) car. Funding a few years of a sabbatical, orentrepreneurial
PER STIRPES: WHAT DOES THIS FUNNY WORD MEAN + IS IT RIGHT Per stirpes means that if a beneficiary dies before you die, the deceased beneficiary’s children inherit your money. Without per stirpes, everything is passed to the remaining primary beneficiary. Consider a grandmother, daughter, and granddaughter. In most cases, when the grandmother dies, her money goes to her daughter. CERTIFIED FINANCIAL PLANNER SAN DIEGO In 2014, I launched Define Financial. We are a team of award-winning CFP® Professionals helping our clients reduce taxes, invest smarter, and retire on their terms. I’m a regular contributor to Kiplinger and the host of a Forbes Top 10 retirement podcast called “StayWealthy”.
THE 7 BEST QUESTIONS TO ASK A FINANCIAL ADVISOR IN 2021 The 7 Questions to Ask a Financial Advisor. There are over 10,000 San Diego financial advisors.And over 300,000 in the United States! Unlike doctors and attorneys, advisors aren’t required to use a consistentprofessional title.
SHOULD I WAIT TO BUY A HOUSE UNTIL AFTER THE REAL ESTATE Clark Howard says that the breakeven point for buying a house – versus continuing renting – is seven years. How come? Real estate commissions can eat a big chunk of your investment return. Holding your home longer allows you to build more equity over time, making up for the bite from the real estate agent commission. HACK STUDENT LOANS WITH INCOME-DRIVEN REPAYMENT Max Out Employer-Provided Retirement Plan. An easy first step to lowering your income-driven student loan payment is to put the maximum into your traditional 401 (k), 403 (b) or 457 plan. If you’re under age 50, you can sock away $19,500 in 2020. You may be wondering if this makes any sense at all. After all, wouldn’t putting money into CARES ACT: 5 THINGS EVERY RETIREE NEEDS TO KNOW...IN PLAIN To be spread across up to three future tax years. Withdrawing funds from retirement accounts should always be viewed as a last resort but it’s good to know those in dire need have some additional flexibility. 5.) Homeowners protected from foreclosure for 180 days.TAYLOR SCHULTE
In 2014, I launched Define Financial. We are a team of award-winning CFP® Professionals who specialize in retirement & tax planning for people over age 50. We help our clients reduce taxes, invest smarter, and retire on their terms. Since starting Define Financial, I’ve been recognized as “The #2 Independent Financial Advisor in 2020”by
STEP-BY-STEP HOW TO LOWER TAXES IN RETIREMENT Step-by-Step How to Lower Taxes in Retirement Lowering taxes in retirement is easier than you might think. Here is a step-by-step guide showing you exactly how you can reduce your tax bill and keep more money in your pocket. HOW TO GET THE MOST FROM BROADCOM'S 401(K), ESPP & RSUS Full Recap: How to Get the Most from Broadcom’s 401 (k), RSUs & ESPP. Step 1: Contribute 6% of your salary into a Traditional 401 (k) or the Roth 401 (k). Of course, we recommend the Roth 401 (k). Step 2: Watch your contribution double as Broadcom matches your money, dollar-for-dollar, in an Employer Match. IS WHAT I TELL MY FINANCIAL ADVISOR CONFIDENTIAL? This means that what is discussed between a lawyer and their client may be kept private. For financial planners, client confidentiality is similar – but different. For the most part, everything discussed with our clients is kept confidential. This is because client confidentially is a requirement of CERTIFIED FINANCIAL PLANNER TMprofessionals.
DO I NEED DISABILITY INSURANCE IF I'M NEAR RETIREMENT This couple near retirement did not need a long-term disability policy because they had already saved so much money. Officially retired from her physician’s practice, the wife had no need for disability insurance. Even with the husband still working, the couple had more than enough money to retire that very day – if the husband wantedto.
CERTIFIED FINANCIAL PLANNER SAN DIEGO In 2014, I launched Define Financial. We are a team of award-winning CFP® Professionals helping our clients reduce taxes, invest smarter, and retire on their terms. I’m a regular contributor to Kiplinger and the host of a Forbes Top 10 retirement podcast called “StayWealthy”.
THE 7 BEST QUESTIONS TO ASK A FINANCIAL ADVISOR IN 2021 The 7 Questions to Ask a Financial Advisor. There are over 10,000 San Diego financial advisors.And over 300,000 in the United States! Unlike doctors and attorneys, advisors aren’t required to use a consistentprofessional title.
SHOULD I WAIT TO BUY A HOUSE UNTIL AFTER THE REAL ESTATE Clark Howard says that the breakeven point for buying a house – versus continuing renting – is seven years. How come? Real estate commissions can eat a big chunk of your investment return. Holding your home longer allows you to build more equity over time, making up for the bite from the real estate agent commission. HACK STUDENT LOANS WITH INCOME-DRIVEN REPAYMENT Max Out Employer-Provided Retirement Plan. An easy first step to lowering your income-driven student loan payment is to put the maximum into your traditional 401 (k), 403 (b) or 457 plan. If you’re under age 50, you can sock away $19,500 in 2020. You may be wondering if this makes any sense at all. After all, wouldn’t putting money into CARES ACT: 5 THINGS EVERY RETIREE NEEDS TO KNOW...IN PLAIN To be spread across up to three future tax years. Withdrawing funds from retirement accounts should always be viewed as a last resort but it’s good to know those in dire need have some additional flexibility. 5.) Homeowners protected from foreclosure for 180 days.TAYLOR SCHULTE
In 2014, I launched Define Financial. We are a team of award-winning CFP® Professionals who specialize in retirement & tax planning for people over age 50. We help our clients reduce taxes, invest smarter, and retire on their terms. Since starting Define Financial, I’ve been recognized as “The #2 Independent Financial Advisor in 2020”by
STEP-BY-STEP HOW TO LOWER TAXES IN RETIREMENT Step-by-Step How to Lower Taxes in Retirement Lowering taxes in retirement is easier than you might think. Here is a step-by-step guide showing you exactly how you can reduce your tax bill and keep more money in your pocket. HOW TO GET THE MOST FROM BROADCOM'S 401(K), ESPP & RSUS Full Recap: How to Get the Most from Broadcom’s 401 (k), RSUs & ESPP. Step 1: Contribute 6% of your salary into a Traditional 401 (k) or the Roth 401 (k). Of course, we recommend the Roth 401 (k). Step 2: Watch your contribution double as Broadcom matches your money, dollar-for-dollar, in an Employer Match. IS WHAT I TELL MY FINANCIAL ADVISOR CONFIDENTIAL? This means that what is discussed between a lawyer and their client may be kept private. For financial planners, client confidentiality is similar – but different. For the most part, everything discussed with our clients is kept confidential. This is because client confidentially is a requirement of CERTIFIED FINANCIAL PLANNER TMprofessionals.
DO I NEED DISABILITY INSURANCE IF I'M NEAR RETIREMENT This couple near retirement did not need a long-term disability policy because they had already saved so much money. Officially retired from her physician’s practice, the wife had no need for disability insurance. Even with the husband still working, the couple had more than enough money to retire that very day – if the husband wantedto.
11 INSANELY EASY WAYS TO SAVE MONEY IN 2021 Today I’m sharing simple tips for how to save money in 2021. Why? Because when you save more money, you have more money to invest. And with more money to invest, you can use the magic of compounding interest to reach your retirement goals.. So if you want to learn 11 insanely easy ways to save more money this year, you’re going tolove this article.
CARES ACT: 5 THINGS EVERY RETIREE NEEDS TO KNOW...IN PLAIN Today we are sharing a summary of the CARES Act (a.k.a Coronavirus Aid, Relief, and Economics Security Act). It was passed by the U.S. Government on March 26 th, 2020 and it’s the largest economic stimulus bill in history.. The CARES Act provides financial support for:. Individuals & Families INTERNATIONAL STOCKS: ARE THEY A SMART Owning international stocks may increase your portfolio’s diversification. Instead of a negative return for the period, an investor who owned some international stocks was able to squeak out almost 2% per year for 10 years. That greatly outperforms U.S. stocks alone. Further, adding international stocks to a diversified portfolioand
STEP-BY-STEP HOW TO LOWER TAXES IN RETIREMENT Step-by-Step How to Lower Taxes in Retirement Lowering taxes in retirement is easier than you might think. Here is a step-by-step guide showing you exactly how you can reduce your tax bill and keep more money in your pocket. WHY INFLATION IS THE BEST INVESTMENT BENCHMARK A benchmark is a point of comparison, or a tool we can use to create a frame of reference. This helps us evaluate the performance of our investments. At Define Financial, we monitor inflation by using it as our investment benchmark on performance reports. This allows us to compare the real value of our client’s money yesterday, today, and THE SECRET TO TRACKING YOUR SPENDING AND SAVING MORE MONEY If you set a budget of $9,000 a year, you will spend $9,000 a year. If you simply tally your spending to learn that you’re spending $9,000, you’ll likely work to spend less. In short, tracking spending keeps you focused on saving money, which is the whole reason we’re doing this exercise in the first place!RAINY DAY FUND
A rainy day fund is just that; it’s something that you’ll use on a proverbial “rainy day.”. Your rainy day fund can be used for any unforeseen large and necessary expenses. Perhaps your rainy day money would be used for a surprise automobile expense, or an unforeseen-but-needed home repair. Or more likely, the true role of arainy day
INVESTMENT POLICY STATEMENT (IPS) DEFINED + FREE SAMPLE assessment. The Investment Policy Statement (IPS) is a document that dictates how you invest your money. If you’re working with a financial planner, the Investment Policy Statement (IPS) will also dictate how they invest your money for you. While he/she will make smart investment decisions on your behalf, you will likely want tohave some say
SHOULD I INVEST THE DOWN PAYMENT I SAVED FOR MY NEXT HOME Just like it’s smart to set aside money for long-term goals, it’s also crucial to set money aside for short-term goals. Common short-term goals include: Creating a down payment for a new home or rental property. Paying next year’s college tuition bills. Getting a new (or used) car. Funding a few years of a sabbatical, orentrepreneurial
PER STIRPES: WHAT DOES THIS FUNNY WORD MEAN + IS IT RIGHT Per stirpes means that if a beneficiary dies before you die, the deceased beneficiary’s children inherit your money. Without per stirpes, everything is passed to the remaining primary beneficiary. Consider a grandmother, daughter, and granddaughter. In most cases, when the grandmother dies, her money goes to her daughter. CERTIFIED FINANCIAL PLANNER SAN DIEGO In 2014, I launched Define Financial. We are a team of award-winning CFP® Professionals helping our clients reduce taxes, invest smarter, and retire on their terms. I’m a regular contributor to Kiplinger and the host of a Forbes Top 10 retirement podcast called “StayWealthy”.
THE 7 BEST QUESTIONS TO ASK A FINANCIAL ADVISOR IN 2021 The 7 Questions to Ask a Financial Advisor. There are over 10,000 San Diego financial advisors.And over 300,000 in the United States! Unlike doctors and attorneys, advisors aren’t required to use a consistentprofessional title.
SHOULD I WAIT TO BUY A HOUSE UNTIL AFTER THE REAL ESTATE Clark Howard says that the breakeven point for buying a house – versus continuing renting – is seven years. How come? Real estate commissions can eat a big chunk of your investment return. Holding your home longer allows you to build more equity over time, making up for the bite from the real estate agent commission. SHOULD I SELL MY STOCKS NOW (+ FREE PDF FLOWCHARTS!) And the stock market’s return over the long-term is quite appealing: Determining if you should sell stocks now depends on how willing you are to give up healthy, long-term stock market returns. Trying to time the market means giving up what has historically been a pretty good deal. Trying to time the market also involves a lot more risk. HACK STUDENT LOANS WITH INCOME-DRIVEN REPAYMENT Max Out Employer-Provided Retirement Plan. An easy first step to lowering your income-driven student loan payment is to put the maximum into your traditional 401 (k), 403 (b) or 457 plan. If you’re under age 50, you can sock away $19,500 in 2020. You may be wondering if this makes any sense at all. After all, wouldn’t putting money into NEW INHERITED IRA RULES (2020): HOW TO AVOID A MAJOR If you inherited a retirement account prior to 2020 from a person who was taking Required Minimum Distributions (RMDs), you were required to continue taking RMDs the first year after inheritance. Let’s use Roger as an example of how the old Inherited IRA Rules worked: Roger is 45-years old. His 80-year-old mother passed away in 2019 and he STEP-BY-STEP HOW TO LOWER TAXES IN RETIREMENT Step-by-Step How to Lower Taxes in Retirement Lowering taxes in retirement is easier than you might think. Here is a step-by-step guide showing you exactly how you can reduce your tax bill and keep more money in your pocket. HOW TO GET THE MOST FROM BROADCOM'S 401(K), ESPP & RSUS Full Recap: How to Get the Most from Broadcom’s 401 (k), RSUs & ESPP. Step 1: Contribute 6% of your salary into a Traditional 401 (k) or the Roth 401 (k). Of course, we recommend the Roth 401 (k). Step 2: Watch your contribution double as Broadcom matches your money, dollar-for-dollar, in an Employer Match. PER STIRPES: WHAT DOES THIS FUNNY WORD MEAN + IS IT RIGHT Per stirpes means that if a beneficiary dies before you die, the deceased beneficiary’s children inherit your money. Without per stirpes, everything is passed to the remaining primary beneficiary. Consider a grandmother, daughter, and granddaughter. In most cases, when the grandmother dies, her money goes to her daughter. DO I NEED DISABILITY INSURANCE IF I'M NEAR RETIREMENT This couple near retirement did not need a long-term disability policy because they had already saved so much money. Officially retired from her physician’s practice, the wife had no need for disability insurance. Even with the husband still working, the couple had more than enough money to retire that very day – if the husband wantedto.
CERTIFIED FINANCIAL PLANNER SAN DIEGO In 2014, I launched Define Financial. We are a team of award-winning CFP® Professionals helping our clients reduce taxes, invest smarter, and retire on their terms. I’m a regular contributor to Kiplinger and the host of a Forbes Top 10 retirement podcast called “StayWealthy”.
THE 7 BEST QUESTIONS TO ASK A FINANCIAL ADVISOR IN 2021 The 7 Questions to Ask a Financial Advisor. There are over 10,000 San Diego financial advisors.And over 300,000 in the United States! Unlike doctors and attorneys, advisors aren’t required to use a consistentprofessional title.
SHOULD I WAIT TO BUY A HOUSE UNTIL AFTER THE REAL ESTATE Clark Howard says that the breakeven point for buying a house – versus continuing renting – is seven years. How come? Real estate commissions can eat a big chunk of your investment return. Holding your home longer allows you to build more equity over time, making up for the bite from the real estate agent commission. SHOULD I SELL MY STOCKS NOW (+ FREE PDF FLOWCHARTS!) And the stock market’s return over the long-term is quite appealing: Determining if you should sell stocks now depends on how willing you are to give up healthy, long-term stock market returns. Trying to time the market means giving up what has historically been a pretty good deal. Trying to time the market also involves a lot more risk. HACK STUDENT LOANS WITH INCOME-DRIVEN REPAYMENT Max Out Employer-Provided Retirement Plan. An easy first step to lowering your income-driven student loan payment is to put the maximum into your traditional 401 (k), 403 (b) or 457 plan. If you’re under age 50, you can sock away $19,500 in 2020. You may be wondering if this makes any sense at all. After all, wouldn’t putting money into NEW INHERITED IRA RULES (2020): HOW TO AVOID A MAJOR If you inherited a retirement account prior to 2020 from a person who was taking Required Minimum Distributions (RMDs), you were required to continue taking RMDs the first year after inheritance. Let’s use Roger as an example of how the old Inherited IRA Rules worked: Roger is 45-years old. His 80-year-old mother passed away in 2019 and he STEP-BY-STEP HOW TO LOWER TAXES IN RETIREMENT Step-by-Step How to Lower Taxes in Retirement Lowering taxes in retirement is easier than you might think. Here is a step-by-step guide showing you exactly how you can reduce your tax bill and keep more money in your pocket. HOW TO GET THE MOST FROM BROADCOM'S 401(K), ESPP & RSUS Full Recap: How to Get the Most from Broadcom’s 401 (k), RSUs & ESPP. Step 1: Contribute 6% of your salary into a Traditional 401 (k) or the Roth 401 (k). Of course, we recommend the Roth 401 (k). Step 2: Watch your contribution double as Broadcom matches your money, dollar-for-dollar, in an Employer Match. PER STIRPES: WHAT DOES THIS FUNNY WORD MEAN + IS IT RIGHT Per stirpes means that if a beneficiary dies before you die, the deceased beneficiary’s children inherit your money. Without per stirpes, everything is passed to the remaining primary beneficiary. Consider a grandmother, daughter, and granddaughter. In most cases, when the grandmother dies, her money goes to her daughter. DO I NEED DISABILITY INSURANCE IF I'M NEAR RETIREMENT This couple near retirement did not need a long-term disability policy because they had already saved so much money. Officially retired from her physician’s practice, the wife had no need for disability insurance. Even with the husband still working, the couple had more than enough money to retire that very day – if the husband wantedto.
RETIREMENT INCOME PLANNING SERVICES Retirement Income. We help turn your nest egg into a reliable income stream. Our approach is backed by decades of academic research and helps: Keep your taxes low. Reduce costs. Maximize your investment return. Lower portfolio risk. Preserve your savings. Our approach also CARES ACT: 5 THINGS EVERY RETIREE NEEDS TO KNOW...IN PLAIN Today we are sharing a summary of the CARES Act (a.k.a Coronavirus Aid, Relief, and Economics Security Act). It was passed by the U.S. Government on March 26 th, 2020 and it’s the largest economic stimulus bill in history.. The CARES Act provides financial support for:. Individuals & Families SHOULD I SELL MY STOCKS NOW (+ FREE PDF FLOWCHARTS!) And the stock market’s return over the long-term is quite appealing: Determining if you should sell stocks now depends on how willing you are to give up healthy, long-term stock market returns. Trying to time the market means giving up what has historically been a pretty good deal. Trying to time the market also involves a lot more risk. WHAT IS THE SECRET TO INVESTING? Look at how the S&P 500 rolls up and down in value over the years. The secret to passive investing is – therefore – patience. Being a successful passive investor means getting some low-cost stock market investments – and then forgetting about them entirely. You must wait out the unending stock market roller coaster. WHY YOU SHOULD SKIP FAKE NEWS AND CHOOSE BORING Boring Investors Don’t Make the News. All of the above explains why so much of today’s financial media is “fake news.”. That’s because real financial advice is boring and repetitive – and that doesn’t make for good media content. Consumers don’t want to hear the same boring advice over and over again. They want to hearsomething
INVESTMENT POLICY STATEMENT (IPS) DEFINED + FREE SAMPLE assessment. The Investment Policy Statement (IPS) is a document that dictates how you invest your money. If you’re working with a financial planner, the Investment Policy Statement (IPS) will also dictate how they invest your money for you. While he/she will make smart investment decisions on your behalf, you will likely want tohave some say
TAYLOR SCHULTE
In 2014, I launched Define Financial. We are a team of award-winning CFP® Professionals who specialize in retirement & tax planning for people over age 50. We help our clients reduce taxes, invest smarter, and retire on their terms. Since starting Define Financial, I’ve been recognized as “The #2 Independent Financial Advisor in 2020”by
IS WHAT I TELL MY FINANCIAL ADVISOR CONFIDENTIAL? This means that what is discussed between a lawyer and their client may be kept private. For financial planners, client confidentiality is similar – but different. For the most part, everything discussed with our clients is kept confidential. This is because client confidentially is a requirement of CERTIFIED FINANCIAL PLANNER TMprofessionals.
BID-ASK SPREAD: WHY FREE TRADES AREN'T FREE Sometimes You Pay the Bid-Ask Spread Twice. At Define Financial, we almost exclusively use mutual funds (many of the mutual funds we use trade for free). This is because trading ETFs requires greater due diligence. We also use them to minimize the impact (cost) of SHOULD I INVEST THE DOWN PAYMENT I SAVED FOR MY NEXT HOME Just like it’s smart to set aside money for long-term goals, it’s also crucial to set money aside for short-term goals. Common short-term goals include: Creating a down payment for a new home or rental property. Paying next year’s college tuition bills. Getting a new (or used) car. Funding a few years of a sabbatical, orentrepreneurial
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TAYLOR R. SCHULTE, CFP®FOUNDER & CEO
Welcome! I worked for large wealth management firms for half of my career. They spent more time talking about how to make the firm more money than how to make clients more money. I set out to change that. In 2014, I launched Define Financial. We are a team of award-winning CFP® Professionals helping our clients REDUCE TAXES, INVEST SMARTER, AND RETIRE ON THEIR TERMS. I’m a regular contributor to _KIPLINGER_ and the host of a Forbes Top 10 retirement podcast called “Stay Wealthy”.
When I’m not perfecting financial plans, you can find me traveling with my wife and kids, searching for the next best carne asada burrito, or trying to master Adam Scott’s golf swing. PET: French Bulldog, Paisley A mix of 3 different breeds – DIVERSIFIED, just like my investments. CAN’T BE INTERRUPTED WHEN: The Wildcats are playing TIMING – important in sports, not investing. FAVORITE HIKE: Mount Whitney Life is WORTH the climb. BEST BURRITO IN SAN DIEGO: Nico’s, Ocean Beach May result in INFLATION—of the stomach. FAVORITE DATE NIGHT: MARKET, Del Mar This place doesn’t get enough CREDIT. QUEUED UP ON THE PLAYLIST : Podcasts! Low cost, high YIELD. BEST HAPPY HOUR:The Pony Room Suitable for both BEAR and BULL markets. FAVORITE GOLF COURSE: La Cumbre CC A great place to form BONDS.Meet the Team
FROM THE BLOG VIEW ALL Annuitization Explained: What Does Annuitize Mean + Should You Do It? By: Taylor Schulte| Published: April 1, 2021 Today I’m explaining annuitization and what it means to annuitize a policy. Contrary to what many people think, annuities and annuitization are not the same. And confusing them can cause BIG problems for your retirement…Continue Reading
IN THE PRESS VIEW ALL INVESTOPEDIA TOP FINANCIAL ADVISORS: TAYLOR SCHULTE RANKED #2 IN U.S. By: Define Financial| Published: January 5, 2021 Taylor Schulte, CFP® was named the #2 top financial advisor in 2020 by Investopedia. Each year, Investopedia creates its list of top advisors who have been influential in bringing financial education to diverse audiences. For…Continue Reading
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