Brought to you compliments of Sarah M. Place, MBA
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November 2006
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Wednesday, September 8, 2010
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Thanks for the Help
In reviewing the development of my clientele, I have reached the conclusion that many of you have been quietly assisting me. I know that I am just one of the many professionals to whom you entrust your well-being, and am proud that my success comes from my clients and professional colleagues mentioning me to their friends and associates. I appreciate your confidence in me. You can be sure that I will demonstrate the same courtesy and integrity to your associates and friends that you have come to expect from me.
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Retirement Planning throughout Your Life
After working 40 or 50 years, you could
find yourself retired for another 20 or 30 years. To support yourself
without a job for 20 or 30 years, you should probably be planning
for retirement during your entire working life. However, your
concerns and strategies for retirement will change as you age.
Consider these tips.
[FULL ARTICLE]
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Leave Your 401(k) Funds Alone
If you leave your employer, decide what
to do with your 401(k) funds. Your worst option is to take a distribution,
pay taxes and a penalty on it, and then spend the money on something
other than retirement. By doing so, you use retirement funds and
forego any further tax-deferred growth on those assets. In addition,
you may incur a large tax bill.
[FULL ARTICLE]
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Who Is Affected by the AMT?
The alternative minimum tax (AMT) was originally
designed to ensure wealthy taxpayers paid at least a minimum amount
of tax. However, due to the tax calculation, more and more taxpayers
are becoming subject to the AMT. For instance, 3.6 million taxpayers
paid the AMT with their 2005 tax returns, with that number projected
to increase to 30 million, or 20% of all taxpayers, by 2010.
[FULL ARTICLE]
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The Dangers of Delaying Retirement Savings
It's a common problem. Even though we know
it's best to start saving for retirement at a young age so our
savings have long periods to grow and compound, it's difficult
to find money to save when we are getting established and raising
families. Thus, it's easy to postpone saving, waiting until your
children are grown to start saving significant sums for retirement.
[FULL ARTICLE]
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Stick with Your Strategy
We all know the basics - design an asset
allocation plan, ignore market fluctuations, and stick with the
plan for the long term. In other words, become a buy-and-hold
investor. But in an era where everything seems to change overnight,
is it realistic to expect to find investments you'll be comfortable
owning for years or even decades?
[FULL ARTICLE]
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Sarah has over fifteen years experience in the financial services industry. She received her MBA at St. Mary's University Graduate School of Business in San Antonio, TX and her bachelor’s degree in Economics–Finance at Bentley College in Waltham, MA. The firm she founded, Place Trade Financial, Inc., (Member NASD, SIPC) is an active member of the Securities Industry Association (SIA).
Feel free to contact Sarah via e-mail at
sarah@placetrade.com
or visit our Web site
www.placetrade.com
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Published by
Sarah M. Place
Copyright © 2006 Place Trade Financial, Inc., Member NASD/SIPC. All rights reserved.
This newsletter intends to offer factual and up-to-date information on the subjects discussed, but should not be regarded as a complete analysis of these subjects. The appropriate professional advisors should be consulted before implementing any options presented. No party assumes liability for any loss or damage resulting from errors or omissions or reliance on or use of this material.
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TELL A FRIEND
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