Podcasts about net unrealized appreciation

0:00 Intro 0:54 Preview 2:11 Topic 1: Deferred Compensation 8:06 Topic 2: After-Tax Contribution to Retirement Plans 12:45 Topic 3: Net Unrealized Appreciation (NUA) So you're an executive at work with an excellent benefit plan. Have you sat down with a professional to make sure you are taking full advantage of every aspect of your plan? This edition of Fundamentals of Investing is the second installment of our "Employee Benefits" series. Working with corporate executives is one of our specialties at Left Brain and there are a lot of aspects to it that you may not have considered. In episode 2, we cover the pieces of your employee benefits package beyond your equity comp. CEO Noland Langford lays out his views of how to build wealth using these three workplace benefits: (1) Deferred Compensation (2) After-Tax Contribution to Retirement Plans (3) Net Unrealized Appreciation (NUA) Each carries its own intricacies and your HR department is unlikely to be able to give you advice on how best to manage these benefits. In the latest Fundamentals of Investing series, CEO Noland Langford gives you a crash course on how these benefit plans work and some of the techniques he has used for clients over the years. Helping clients manage these crucial investment decisions has been a specialty of Left Brain since the firm's founding in 2014. We want to stress that going it alone in managing your employee benefits package could cost you a significant amount of money in the long run, both in taxes and in investment losses. If you are looking for guidance, we would urge you to contact Brian Dress using the information below to set up an initial consultation. Get on Brian's calendar directly to discuss a plan for Build, Grow, and Preserve Your Wealth and maximize your employee benefits at Our Calendar You can call Brian Dress at (630) 547-3316 or email at briand@leftbrainwm.com To check out our website, head over to https://leftbrainwm.com/ DISCLAIMER: This report contains views and opinions which, by their very nature, are subject to uncertainty and involve inherent risks. Predictions or forecasts, described or implied, may prove to be wrong and are subject to change without notice. All expressions of opinion included herein are subject to change without notice. Predictions or forecasts described or implied are forward-looking statements based on certain assumptions which may prove to be wrong and/or other events which were not taken into account may occur. Any predictions, forecasts, outlooks, opinions, or assumptions should not be construed to be indicative of the actual events which will occur. Investing involves risk, including the possible loss of principal. The opinions and data in this report have been obtained from sources believed to be reliable; neither Left Brain nor its affiliates warrant the accuracy or completeness of such and accept no liability for any direct or consequential losses arising from its use. In addition, please note that Left Brain, including its principals, employees, agents, affiliates, and advisory clients, may have positions in one or more of the securities discussed in this communication. Please note that Left Brain, including its principals, employees, agents, affiliates, and advisory clients may take positions or effect transactions contrary to the views expressed in this communication based upon individual or firm circumstances. Any decision to effect transactions in the securities discussed within this communication should be balanced against the potential conflict of interest that Left Brain, its principals, employees, agents, affiliates, and advisory clients has by virtue of its investment in one or more of these securities. Past performance is not indicative of future performance. The price of securities can and will fluctuate, and any individual security may become worthless. A high or favorable rating, rating outlook, gauge, or similar opinion is not indicative of future performance, and no user should rely on any such rating, rating outlook, gauge, or similar opinion to predict performance or potential for return. Future performance may not equal projected or forecasted performance or potential for return. All ratings and related analysis, as well as data, statistics, analysis, and opinions contained herein are solely statements of opinion and are not statements of fact or recommendations to purchase, hold, or sell any security or make any other investment decisions. This report may contain “forward-looking” information that is not purely historical in nature. Such information may include, among other things, projections, and forecasts. There is no guarantee that any forecasts made will materialize. Reliance upon information herein is at the sole discretion of the reader. THE REPORT IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT REPRESENTATION OR WARRANTY OF ANY KIND.

Text us your financial questions!This week on Money Talks, the hosts are out of the studio enjoying Labor Day Weekend.  On the Aug. 31, 2024 broadcast, we'll be taking a look back at some of our best case studies from the past few weeks, including discussions on illiquid assets, net unrealized appreciation, and diversity in your 401(k) investments.

I'm a buffoon and I missed including another important pro of doing an employer plan-to-IRA rollover in episode #110's list of pros and cons of rollovers. The additional potential pro is the ability to do Qualified Charitable Distributions ("QCDs") out of the IRA if you're at least 70 1/2 and charitably inclined.So, the recap the full list of pros (including QCDs) and cons of doing an employer plan-to-IRA rollover:Potential PROS of rolling over an employer plan to an IRA or Roth IRA:More investment optionsLikely lower fees and costsAccess to professional adviceBetter control over tax withholdingsMore withdrawal optionsLess Required Minimum Distributions ("RMDs") to manageLess financial clutterGain the ability to do Qualified Charitable Distributions ("QCD")Potential CONS of rolling over an employer plan to an IRA or Roth IRA:May lose the ability to take early distributions without penaltyMay lose the ability to cleanly do backdoor Roth IRA contributionsMay lose the ability to continue to delay RMDs from that plan (if you're still working at that employer)Lose the ability to take loans from the moneyMay lose the ability to take advantage of Net Unrealized Appreciation ("NUA") of company stockMay lose access to a stable value or managed income portfolio investment optionPotentially less creditor protectionLinks in this episode:Tenon Financial monthly e-newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.comTo send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.com

Andy summarizes the pros and cons of rolling over an employer plan (such as a 401(k), 403(b), 401(a), 457 or the federal Thrift Savings Plan) to an IRA or Roth IRA. To sum up:Potential PROS of rolling over an employer plan to an IRA or Roth IRA:More investment optionsLikely lower fees and costsAccess to professional adviceBetter control over tax withholdingsMore withdrawal optionsLess Required Minimum Distributions ("RMDs") to manageLess financial clutterPotential CONS of rolling over an employer plan to an IRA or Roth IRA:May lose the ability to take early distributions without penaltyMay lose the ability to cleanly do backdoor Roth IRA contributionsMay lose the ability to continue to delay RMDs from that plan (if you're still working at that employer)Lose the ability to take loans from the moneyMay lose the ability to take advantage of Net Unrealized Appreciation ("NUA") of company stockMay lose access to a stable value or managed income portfolio investment optionPotentially less creditor protectionLinks in this episode:Summary of the creditor protection of IRAs and Roth IRAs by state - hereTenon Financial monthly e-newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.comTo send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.com

Text us your financial questions!Research Analyst Nick Antonucci, CVA, CEPA, Managing Associate K.C. Smith, CFP®, CEPA, and Associate Josh Weidie, CFP®, CWS®, discuss an investor who has a significant retirement balance in his company's stock. They cover when the net unrealized appreciation strategy may be useful.Read the Article: https://www.henssler.com/retirement-planning-leveraging-net-unrealized-appreciation-for-tax-savings 

Text us your financial questions!Henssler Money Talks — July 13, 2024Season 38, Episode 28This week on "Money Talks," Research Analyst Nick Antonucci, CVA, CEPA, is joined by Managing Associate K.C. Smith, CFP®, CEPA, and Associate Josh Weidie, CFP®, CWS®, to provide insights on the market and discuss June's employment numbers and June's Consumer Price Index. K.C. and Josh discuss an investor who has a significant retirement balance in his company's stock. They cover when the net unrealized appreciation strategy may be useful. The hosts end the show with listeners' questions on which accounts to give to charity from and potential gifting issues with non-spouse joint accounts.Timestamps and Chapters00:00 Market Roundup: July 8 – July 12, 202421:17 Case Study:  Net Unrealized Appreciation 33:02 Q&A Time: Charitable Giving and Joint AccountsFollow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup  “Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

Do you own stock in the company that you work for in your 401K? Net unrealized appreciation could potentially save you a significant amount of money on your taxes when you start making withdrawals. I'll share how to take advantage of the process as well as mistakes to avoid making in this episode of Retire with Ryan.  You will want to hear this episode if you are interested in... [1:00] Sign up for my Retirement Readiness Review! [1:26] What is net unrealized appreciation? [3:31] How net unrealized appreciation works [5:05] How to process the distribution  [7:41] Where people run into problems [10:09] Net unrealized appreciation when you aren't retired [12:23] Reminder: Sell the stock in a lower tax bracket Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

Barney and Betty in Maryland hit the jackpot. How's Barney's strategy for net unrealized appreciation, retirement withdrawals, and asset location for his $5 million employee stock ownership plan? Nick in the PNW will have $8 million when he retires early at 53. Should he contribute to his 401(k) or do the good ol' mega backdoor Roth until then? Those are just a couple of the fat wallets Joe Anderson, CFP® and Big Al Clopine, CPA spitball on, today on Your Money, Your Wealth® podcast number 470. Plus, should Allen in New Braunfels' recently widowed sister contribute to her traditional IRA and do some Roth conversions? Should Alicia in Denver take Social Security early to pay off her rental property, and how can Vern in Wickenburg Arizona buy a new home before or during the sale of his current home? Finally, Bryan in Washington needs to know the best investment strategy for his thrift savings plan, and Lyse in Georgia wonders when in a market downturn you should start spending your cash. Access this week's free financial resources and the episode transcript in the podcast show notes, and Ask Joe & Big Al On Air for your Retirement Spitball Analysis, at https://bit.ly/ymyw-470 Timestamps: 01:06 - Retirement Spitball Analysis for My Widowed Sister (Allen, sunny New Braunfels, TX) 06:52 - $5M ESOP Strategy: Net Unrealized Appreciation, Retirement Withdrawals, and Tax Location (Barney & Betty, MD) 18:07 Why Asset Location Matters - free download Are You Ready to Retire? Review Your Retirement Readiness - YMYW TV 19:00 - Should I Take Social Security Early to Pay Off My Rental Property? (Alicia, Denver, CO) 23:22 - How to Buy a Home Before or During the Sale of My Existing Home? (Vern, Wickenburg, AZ) 26:50 - Should I Buy a Qualified Longevity Annuity Contract as a Long Term Care Insurance Alternative? (Ron, IL) 31:08 - I'll Have $8M When I Retire at 53. Should I Contribute to 401(k) or Do the Mega Backdoor Roth Until Then? (Nick, PNW) 37:05 - EASIretirement.com - free retirement calculator 38:06 - What's the Best Thrift Savings Plan Investment Strategy? (Bryan, WA) 40:21 - When in a Market Downturn Should You Start Spending Cash? (Lyse, GA) 46:00 - The Derails

Joe and Big Al spitball on investing in index funds, bonds, CDs, treasuries, annuities, net unrealized appreciation on company stock, and where to park cash right now. Plus, how do taxes, Roth conversions or the Mega Backdoor Roth, and donor advised funds factor into those investing strategies? Will and Debbie in Gettysburg are investing an inheritance, LJ in Philly and Jane want the fellas' take on the pros and cons of various safe investments, Roger and Jessica in Cowtown Ft. Worth need four different financial spitballs, and should M.E. in Atlanta do a Roth conversion and put money in a donor-advised fund in the same year? But first, Dianna in Spotsylvania needs an investing plan for her 86-year-old Mom.  Timestamps: 00:57 - Investment Spitball for 86yo Mom: Index Funds? Roth IRA and Conversions? (Dianna from Spotsylvania, Virginia) 05:57 - How Should I Invest My Inheritance? (Will and Debbie, Gettysburg, PA) 14:12 - How's My Laddered CD Investing Strategy? (LJ, Philly) 17:07 - Tax on Treasuries vs. CDs vs. Annuity: Where to Park Cash Right Now? (Jane) 22:27 - NUA Company Stock, De-Risking With Bonds, & Mega Backdoor Roth (Roger & Jessica, Ft. Worth) 34:13 - Donor Advised Fund and Roth Conversion in the Same Year? (M.E., Atlanta) 40:54 - The Derails Access this week's free financial resources in the podcast show notes at https://bit.ly/ymyw-460  Top 10 Tax Tips Guide (limited time offer - download by this Friday!) 10 Tax-Cutting Moves to Make Now - YMYW TV Investing Basics Guide 10 Steps to Improve Investing Success Episode Transcript Ask Joe & Big Al On Air for your Retirement Spitball Analysis

If you are a long-time listener you know that we like to go through the nuances of financial planning that may be valuable to you.  In this episode, Allison and I take a look at net unrealized appreciation (NUA). Listen in to learn what it is, who could benefit from it, and the benefits and pitfalls of using NUA. You won't want to miss out on hearing one of our classic fictional case studies involving Freddie Krueger. Press play to hear if you could benefit from using NUA. Outline of This Episode [1:20] What is net unrealized appreciation? [3:45] A case study [8:40] The four triggering events [11:15] Benefits of NUA [15:44] The drawbacks Connect With Chad and Allison https://www.financialsymmetry.com/podcast-archive/  Connect on Twitter @csmithraleigh @TeamFSINC Follow Financial Symmetry on Facebook Subscribe To This Podcast Apple Podcasts  Stitcher  Google Play

Ever wondered how to navigate the complexities of net unrealized appreciation (NUA) and its role in your company plan? Well, this episode is for you. In this episode,  I break down the details of NUA, its tax advantages, qualifications, and its place in your employee-sponsored plan. I'll also be shedding light on the potential risks and how over-centralization of one position inside a plan can sometimes be a nasty surprise.If you still have lingering doubts or wish to discuss your individual situations, don't hesitate to reach out. Let's together make the most of your company stock plans. Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA SENIOR WEALTH PLANNER Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

Ever wondered how to navigate the complexities of net unrealized appreciation (NUA) and its role in your company plan? Well, this episode is for you. In this episode,  I break down the details of NUA, its tax advantages, qualifications, and its place in your employee-sponsored plan. I'll also be shedding light on the potential risks and how over-centralization of one position inside a plan can sometimes be a nasty surprise.If you still have lingering doubts or wish to discuss your individual situations, don't hesitate to reach out. Let's together make the most of your company stock plans. Please check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA SENIOR WEALTH PLANNER Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com

What is a Net Unrealized Appreciation (NUA)? How does this affect your portfolio? Just this week, I had a guy come into the office with an NUA from his previous employer. Listen in to learn what we did with it. We discuss calculating NUA in 5 easy steps and when you should consider even using an NUA.                                                          More 5 easy steps to come and I give you a teaser on To Convert or Not Convert, that is the question! https://www.cfci.us/2025-the-final-drive

I see people making the same IRA mistakes over and over again because they just don't know enough about IRAs. That's why I advise anyone to work with a Certified Financial Planner (CFP)—even if it's not me. Until you can do that, do everything you can to avoid these 8 great IRA mistakes with your retirement portfolio. If you own an IRA—traditional or Roth—this is a can't-miss episode of the Retirement Made Easy Podcast.  You will want to hear this episode if you are interested in... [1:04] Submit a question at RetirementMadeEasyPodcast.com! [3:14] Don't forget to check out the 3 Steps to Retirement Planning [5:01] Mistake #1: Neglecting the spousal IRA opportunity [7:04] Mistake #2: 401k and IRA Required Minimum Distributions (RMD) [9:33] Mistake #3: Forgetting about Net Unrealized Appreciation [11:18] Mistake #4: Forgetting to update the beneficiaries on your IRA [13:47] Mistake #5: Listing a trust as the beneficiary of an IRA [15:28] Mistake #6: Improperly executing a Roth conversion [16:40] Mistake #7: Contributing to a Roth IRA when you're not eligible  [17:52] Mistake #8: Doing an indirect rollover with your IRA Mistake #1: Neglecting the spousal IRA opportunity Did you know that if you are a non-working spouse, there is a spousal IRA? If you're over 50 and the working spouse makes over $14,000 per year, he or she can contribute $7,000 to an IRA—and you can too. You can set up a Roth or Traditional IRA and contribute up to $7,000 per year. Many couples aren't aware of this possibility. Mistake #2: Required Minimum Distributions (RMD)  Once you turn 72, you have to start taking required minimum distributions from your 401k, Roth 401k, or traditional IRA. If you have three old 401ks from previous employers, you have to take a RMD from each 401k.  The rules are different for IRAs. If the RMD is $1,000 a piece from each IRA, you can take a $3,000 RMD from one and not touch the other two. Or you could take $1,500 from one, $1,500 from another, etc. You want to plan for each of these scenarios so you're not paying unnecessary taxes! Mistake #3: Forgetting about Net Unrealized Appreciation  If you have an IRA or 401k with company stock in it, don't roll it into an IRA. Why? Net unrealized appreciation. You'll pay capital gains on part of the company stock that's rolled over. You'll end up paying a lot of money in taxes that you don't need to. Talk to a financial planner who understands net unrealized appreciation before you do anything. Mistake #5: Forgetting to designate a beneficiary 31% of IRAs aren't listed with a beneficiary. What happens if you don't list a beneficiary? Your “estate” is your beneficiary, which means it goes through probate court. It leads to unnecessary costs, estate taxes, Medicare surtax, etc. It will cost your family time and money. It's a nightmare that can be avoided.  NOTE: Many IRAs end up in the hands of an ex-spouse because they still have the former spouse listed. Whoever is listed as the beneficiary is who gets the money.  Mistake #5: Listing a trust as the beneficiary of an IRA If you inherit an IRA, you've got 10 years to take distributions from it. It has to be drained by the end of the 10th year. If you have an outdated trust as the beneficiary, it will be taxed at a trust tax rate (anything above $13,450 is taxed at 37%). If the trust isn't written properly, the money has to come out within five years. This isn't the best way to pass on money from your IRA.  Mistake #6: Improperly executing a Roth conversion If you're under 59 and a ½, convert $50,000 of your IRA and withhold taxes, you'll pay a 10% penalty. If you don't withhold taxes on the $50,000, there is no 10% early withdrawal penalty. Many people give Uncle Sam a tip because they do Roth conversions improperly.  Mistake #7: Contributing to a Roth IRA when you're not eligible  Did you know that you might make too much money to contribute to a Roth IRA? There are income caps for Roth IRAs and traditional IRAs. Make sure you're eligible before you set these up. There is a steep penalty of 6% for each year the excess amount remains in your IRA or Roth IRA.  Mistake #8: Doing an indirect rollover with your IRA Instead of indirectly transferring money from one IRA to another, you should do a direct transfer or direct rollover. It goes from one Custodian to another and the money remains in the same registration type (i.e. pre-tax). An indirect rollover happens when money is sent from an IRA or 401k to you. You're responsible to get the money into the appropriate IRA within 60 days. If you fail to do so, you pay taxes on that money and get hit with a 10% penalty. Resources & People Mentioned 3 Steps to Retirement Planning Connect With Gregg Gonzalez Email at: Gregg@RetireSTL.com  Podcast: https://RetirementMadeEasyPodcast.com Website: https://StLouisFinancialAdvisor.com Follow Gregg on LinkedIn Follow Gregg on Facebook Follow Gregg on YouTube Subscribe to Retirement Made EasyOn Apple Podcasts, Spotify, Google Podcasts

On this episode of In the Money Insight, Cory is joined by Matthew Tomlin, CFP®, one of the Financial Planners at Falcon Wealth Advisors. They discuss Net Unrealized Appreciation, or NUA, which is a complex tax strategy some clients utilize in their 401(k)s.   In the Money Insight is a show about the markets, investing, financial planning, and life. Join Cory Bittner, CRPC® as he shares his insights on what he's paying attention to and what he's reading and writing about.                 Falcon Wealth Advisors is an independent-minded wealth management practice located in the Kansas City metro.  Our team of 11 professionals specializes in retirement planning for individuals.  We help our clients make important decisions around when to retire, social security, health insurance, tax planning, and many other financial planning topics.                   In addition to helping our clients plan for a successful retirement we also implement investments solutions.  We believe that what sets us apart is our philosophy to avoid investment products and instead buy/sell individual stocks, bonds, and options for our clients.  We do this to eliminate the middle man which we believe increases control and transparency, and decreases fees.                   Clients choose to work with us to enhance their financial literacy and explain exactly what their financial plan means to them.                Visit Our Website         https://www.falconwealthadvisors.com/                  Listen to our Podcasts          https://www.falconwealthadvisors.com/content.html                  We're Social!         https://www.facebook.com/FalconWAdvisors/         https://www.instagram.com/falconwadvisors/         https://twitter.com/FalconWAdvisors         https://www.linkedin.com/company/falcon-wealth-advisors/            #NUA #NetUnrealizedAppreciation #TaxPlanning #inthemoneyinsight #retirement #kansascity

Our 1st show in a new timeslot! Dave and Derek recap the week. We also learn more about Millionaire Myths, check out Ask Annex, and hear how Annex assists executives with Net Unrealized Appreciation.

In the case of an individual with a retirement account that contains employer securities, the IRS has allowed for what's called Net Unrealized Appreciation, otherwise known as NUA. This series looks at the requirements of NUA, how it works, and the advantages and disadvantages of electing this special tax treatment.If you missed any of our past episodes, you can hear them in your favorite podcast app, just click here and choose your player. Get this briefing hands-free: Subscribe free to this show as a daily Alexa Flash Briefing! Enable the skill here then say, "Alexa, news." The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. See acast.com/privacy for privacy and opt-out information.

In the case of an individual with a retirement account that contains employer securities, the IRS has allowed for what's called Net Unrealized Appreciation, otherwise known as NUA. This series looks at the requirements of NUA, how it works, and the advantages and disadvantages of electing this special tax treatment.If you missed any of our past episodes, you can hear them in your favorite podcast app, just click here and choose your player. Get this briefing hands-free: Subscribe free to this show as a daily Alexa Flash Briefing! Enable the skill here then say, "Alexa, news." The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. See acast.com/privacy for privacy and opt-out information.

On this episode of Upticks, Jake highlights a topic that is not widely talked about by CPAs and financial advisors, much less everyday investors. The concept is called Net Unrealized Appreciation (NUA) and is relevant for people who are still working, participate in a 401(k) plan through their employer, and own stock of the company they work for in that plan.   Upticks is a show about financial planning and investments. Join Jake Falcon, CRPC as he discusses financial planning topics including retirement, tax planning, debt, charitable giving, etc. In addition Jake dives deep into investments and explains stocks, bonds, options, cryptocurrency and other timely market topics. Be sure to subscribe so you don't miss an episode!               Falcon Wealth Advisors is an independent-minded wealth management practice located in the Kansas City metro.  Our team of 11 professionals specializes in retirement planning for individuals.  We help our clients make important decisions around when to retire, social security, health insurance, tax planning, and many other financial planning topics.                   In addition to helping our clients plan for a successful retirement we also implement investments solutions.  We believe that what sets us apart is our philosophy to avoid investment products and instead buy/sell individual stocks, bonds, and options for our clients.  We do this to eliminate the middle man which we believe increases control and transparency, and decreases fees.          Clients choose to work with us to enhance their financial literacy and explain exactly what their financial plan means to them.              Visit Our Website         https://www.falconwealthadvisors.com/              Listen to our Podcasts          https://www.falconwealthadvisors.com/content.html             We're Social!         https://www.facebook.com/FalconWAdvisors/         https://www.instagram.com/falconwadvisors/         https://twitter.com/FalconWAdvisors         https://www.linkedin.com/company/falcon-wealth-advisors/              Connect with Jake Falcon, CRPC         https://www.facebook.com/jake.falcon.524         https://www.instagram.com/jake_falcon_crpc/?hl=en         https://twitter.com/jakefalconcrpc         https://www.linkedin.com/in/jakefalconfalconwealthadvisors            

Do you find yourself with the opportunity to purchase your employer's stock in your retirement account? It may seem like a great opportunity. You get to own shares of the company you work for and  as the company continues to grow and increase in profitability (hopefully thanks in some part to you) the share price goes up. It's a win-win. But the real advantage could come in the form of unique tax savings when it comes time to sell those shares and withdraw your money. That is when Net Unrealized Appreciation becomes important.In this episode, Derek will dive into the benefit of Employer Stock Ownership Plans (ESOPs) and the value that net unrealized appreciation could provide to you from a tax planning standpoint.Enjoy the episode!You can connect with Derek on social media at:https://twitter.com/derekjdelaney https://www.linkedin.com/in/derekdelaneypharmdfp/ https://www.facebook.com/PharmD-Financial-Planning-LLC-116600423803050Or by email at:derek@pharmfp.com

If you don't work in financial services, you're likely not familiar with the term Net Unrealized Appreciation, often referred to as NUA. On this episode of Upticks, Jake breaks down this strategy – which is for people who have employee stock plans through their employer and have publicly-traded stocks in their 401(k) plans.   Upticks is a show/podcast sponsored by Falcon Wealth Advisors and hosted by Jake Falcon, CRPC® that is dedicated to retirement planning.  Our goal is to translate complicated financial jargon about planning and investments into an understandable language that most anyone can understand.         Falcon Wealth Advisors is an independent-minded wealth management practice located in the Kansas City metro.  Our team of 11 professionals specializes in retirement planning for individuals.  We help our clients make important decisions around when to retire, social security, health insurance, tax planning, and many other financial planning topics.         In addition to helping our clients plan for a successful retirement we also implement investments solutions.  We believe that what sets us apart is our philosophy to avoid investment products and instead buy/sell individual stocks, bonds, and options for our clients.  We do this to eliminate the middle man which we believe increases control and transparency, and decreases fees.         Clients choose to work with us to enhance their financial literacy and explain exactly what their financial plan means to them.        Visit Our Website    https://www.falconwealthadvisors.com/        Listen to our Podcasts     https://www.falconwealthadvisors.com/content.html        We're Social!    https://www.facebook.com/FalconWAdvisors/    https://www.instagram.com/falconwadvisors/    https://twitter.com/FalconWAdvisors    https://www.linkedin.com/company/falcon-wealth-advisors/        Connect with Jake Falcon, CRPC    https://www.facebook.com/jake.falcon.524    https://www.instagram.com/jake_falcon_crpc/?hl=en    https://twitter.com/jakefalconcrpc    https://www.linkedin.com/in/jakefalconfalconwealthadvisors    

NUA decisions sit at an intersection of a big opportunity, huge possible consequences, and conflicting information. When considering what to do with company stock in you 401K plan, make sure to contact a professional to weigh options. In this episode, we go over the when, what, and how of NUAs. For more information and show notes visit: https://bwmplanning.com/episode2 Learn More & Subscribe: BrownleeWealthManagement.com Connect With Us: Facebook - https://www.facebook.com/BrownleeWealthManagement/?ref=py_c Linkedin - https://www.linkedin.com/company/brownlee-wealth-management/ Disclosure: This information is for informational purposes only. Nothing discussed during this video should be interpreted as tax, legal, or investment advice. If you have questions pertaining to your specific situation, please consult the appropriate qualified professional.

Owning company stock in your 401k can elicit strong reactions. Whether you are for and against the idea, I suspect you believe you are right. You might be, but you might not be. 
There is no right answer, so listen to this episode to learn about the pros and cons of doing so. I field my first listener question about the Default option. There is a second question about setting up an allocation without touching it. It is great to know people are listening and asking questions. I will touch on Net Unrealized Appreciation or NUA on the company stock topic. If you don't know that, be sure to listen, it can save you money! Converting Ordinary Income into long Term Capital gains. NUA lowers your future Required Minimum Distributions or RMDs. You have to do a few things and a tax cost upfront. In the right situation, it is worth it. I'll share a story of an unhappy person who got prudent financial advice. They didn't like the outcome, but the advice is what you should have done. Finally, I will remind you of the power of the self-directed investment option in the 401k, BrokerageLink.
 For more information or to contact me, go to https://poweringyourretirement.com/2021/06/18/owning-company-stock-in-your-401k-2/

Please visit my website for the full video transcript: https://tanphan.com/blog Connect with me on LinkedIn: https://www.linkedin.com/in/tanmphan TAN Wealth Management Overview - What is net unrealized appreciation (NUA)? - What is the net unrealized appreciation strategy? - What are the net unrealized appreciation (NUA) qualifying events? - The two net unrealized appreciation (NUA) taxable events - Net unrealized appreciation strategy examples - Disadvantages of the NUA strategy - Should conservative investors do the NUA strategy? - Does the 3.8% net investment income tax apply to the net unrealized appreciation? - Does the 10% early withdrawal penalty apply to the NUA strategy? - Net unrealized appreciation strategy insights

Welcome to Part 4 of the Equity Compensation Guidebook NUA mini-series. This is actually the final part. There are previous segments that you may want to listen to. However, as always, you're more than welcome to jump in right here. Thus far we've covered distributions for NUA, we dug into when it makes sense to do NUA, and everyone's favorite...taxes. As a reminder, NUA stands for Net Unrealized Appreciation.  It's an advanced planning and financial planning technique for people who own company stock within tax-deferred workplace retirement plans. The key here is the stock has appreciated since they acquired it. NUA is a way to potentially save significant amounts in taxes. Now that we've covered a lot of the details in previous episodes I believe it's time to dig a bit more into qualifying events and some key rules with NUA. This is important because not just anyone can decide one day that they want to do Net Unrealized Appreciation, you have to qualify and today we will find out if you do! I hope you've learned something useful throughout this mini-series. Please share it. You never know who you know that needs to know what you just learned! You will want to hear this episode if you are interested in... Do you qualify for NUA? [2:04] Specific criteria you need to meet to be kosher with net unrealized appreciation [3:49] A few final rules and thoughts [6:36] This week's FLASHBACK [11:08]  Connect With Dan Johnson https://forwardthinkingwm.com  Subscribe on Youtube Follow on Linkedin

Visit BIFBites.com to view the question discussed during this episode. Are you sick of tax season? Ya, same. We wish they’d come up with a vaccine for that. Let’s put a nice pretty bow on all things tax! We talk about the mad dash for documents, common client questions and other haunting items that pop up every April. The BIF guys also discuss the potential benefits and downsides of utilizing a Net Unrealized Appreciation (NUA) strategy. Finally, we cover the Efficient Market Hypothesis (EMH) and the 3 different forms that it could take. And yes, Mike believes in the strong form. The BIF Bites podcast covers topics that are important to those seeking CFP® certification and really anyone that wants to better understand the financial services industry in general. Jerry Mee, CFP® is the Director of Student Support at the Boston Institute of Finance (BIF) and has nearly a decade’s worth of experience in the financial services industry. Mike Long, CFP®, ChFC®, CLU® is the Co-Director of Curriculum for the Boston Institute of Finance (BIF). He has made his career in financial services and financial services education over the past 38 years. Brendan Flaherty, CFP®, CIMA®, is currently a Senior Vice President with Janney Montgomery Scott where he focuses on investment management and financial planning for his clients. He is also the CFP® Program Director for the Boston Institute of Finance (BIF). Adam Scherer, CFP®, MS is the Co-Director of Curriculum at the Boston Institute of Finance (BIF) and has over decade's worth of experience in the financial services industry.

Welcome to part three of the NUA mini-series. There are two previous segments you may want to listen to, or you can jump in right here. So far in previous episodes, we've covered distribution options for NUA and when it does and does not make sense to do an NUA. As a reminder, NUA stands for Net Unrealized Appreciation. This is an advanced financial planning technique for people who own company stock within tax-deferred workplace retirement plans. The key here is that the stock has appreciated since acquiring it. NUA is a way to potentially save significant amounts in taxes and I'm going to tell you how in this episode. You will want to hear this episode if you are interested in... Tax basics for Net Unrealized Appreciation [1:49] A few rules to know about the NUA [5:23] The difference between public and private stock [7:50] This week's FLASHBACK [9:12]  Connect With Dan Johnson https://forwardthinkingwm.com  Subscribe on Youtube Follow on Linkedin

The Numbers are fantastic, with the S&P 500 closing above 4,000 for the first time. Ford has their F-150 assembly line halted over a chip shortage. The IRS has delayed the IRA contribution deadline for 2020 to May 17. Jackie Hughes joins us to promote the Cancer Crusaders 14th Annual charity golf tournament. Hear the story of Mark Mitchell, the namesake of the fundraiser, and Vic Hughes, to whom this year's fundraiser is dedicated. Gregory's upcoming No Compromise webinar focuses on how to adjust your financial planning for upcoming inflation, and a flurry of new taxes. We revisit the call from Firth in Uptown: which debt he should pay down first? It's rarely used, but Net Unrealized Appreciation could save you tons of money in taxes on stock in your company's retirement plan. A Ponzi Scheme falls apart, and the woman behind the scam gets 15 years in prison. http://www.WinningAtLife.com

In today's episode of the Equity Compensation Guidebook, I'm following up on a planning topic I mentioned a couple of episodes ago. Net Unrealized Appreciation, better known as NUA in my world. This is a great resource for equity compensation and ESOP participants who have concentrated and highly appreciated stock positions. As always, I do my best to stay high level in these introductory topic podcasts. You will want to hear this episode if you are interested in... The simple breakdown of an NUA [0:57] Two choices when you take a distribution out of your ESOP [2:19] Other factors to consider with NUAs [3:57] Three steps of taxes [4:53] Four important requirements to take advantage of an NUA [5:52] This week's FLASHBACK [7:20]  Connect With Dan Johnson https://forwardthinkingwm.com  Subscribe on Youtube Follow on Linkedin

Dave Spano is joined by Chief Investment Strategist Todd Voit for a week-in-review, a chat about bonds, and a look down the road. In an Annex Executive segment, we explain NUA, or Net Unrealized Appreciation. All that, plus a visit with Bryan Fiore, branch director at Annex Wealth Management, Naples.

If you have stocks in your company plan, NUA is a rarely used tool to save on taxes.Get a complimentary whitepaper to go with this episode on the podcast page: http://gregoryricks.com/podcast33

Does Social Security count marriages performed overseas? Carlos in Moss Point was married in China, and wants to make sure his wife qualifies for Social Security spousal and survivor benefits. Richard in Slidell has a wife on Medicaid. Can he sell his house and use that money to buy a new one, or will that be affect his Medicaid status? Bill in Holden has a 401k at his old job. What should he do with it? Scott in Mobile has a sizable amount of company stock in the 401k at his old job. Gregory thinks this may be a good scenario to use Net Unrealized Appreciation. Lisa in New Orleans has a deferred compensation plan at her job, but the plan rules have changed, and they want to pay the entire amount in one lump sum. Is there some way she can defer the deferred comp to avoid a huge tax hit? http://www.WinningAtLife.com

Net Unrealized Appreciation is a unique tax planning strategy that we believe is the most effective for a specific type of client but may not be suitable for everyone. In this episode of Upticks, Jake educates us on NUA and what benefits it may provide.   Upticks is a show/podcast sponsored by Falcon Wealth Advisors and hosted by Jake Falcon, CRPC that is dedicated to retirement planning. Our goal is to translate complicated financial jargon about planning and investments into an understandable language that most anyone can understand.   Falcon Wealth Advisors is an independent-minded wealth management practice located in the Kansas City metro. Our team of 11 professionals specializes in retirement planning for individuals. We help our clients make important decisions around when to retire, social security, health insurance, tax planning, and many other financial planning topics.   In addition to helping our clients plan for a successful retirement we also implement investments solutions. We believe that what sets us apart is our philosophy to avoid investment products and instead buy/sell individual stocks, bonds, and options for our clients. We do this to eliminate the middle man which we believe increases control and transparency, and decreases fees.   Visit Our Website https://www.falconwealthadvisors.com/   Listen to our Podcasts https://www.falconwealthadvisors.com/content.html   We're Social! https://www.facebook.com/FalconWAdvisors/ https://www.instagram.com/falconwadvisors/ https://twitter.com/FalconWAdvisors https://www.linkedin.com/company/falcon-wealth-advisors/   Connect with Jake Falcon, CRPC https://www.facebook.com/jake.falcon.524 https://www.instagram.com/jake_falcon_crpc/?hl=en https://twitter.com/jakefalconcrpc https://www.linkedin.com/in/jakefalconfalconwealthadvisors  

01:11 - If you have stock in your company plan, use Net Unrealized Appreciation to pay a lower tax. Gregory explains how NUA works, and how sometimes NUA doesn't work. Many people don't like to pay the tax bill. 11:49 - If you're leaving money behind to your loved ones, think about structuring it into a birthday check instead of a dumping a lump sum on them when you pass away. It will be a long term reminder, and something for your loved ones to look forward to every year. 17:03 - The price of oil jumped up today, and had it's biggest daily gain in over a decade. The attack on the Saudi oilfield has crippled their production, and you can expect a slight increase in the price of gas over the next few months. http://www.WinningAtLife.com

On this WealthWise Moment, Loreen teaches us about net unrealized appreciate.

This week on “Money Talks,” the hosts discuss how the U.S./China trade talks have affected the market, how earnings season has been, and interest rates. Hosts discuss a common situation amongst retirees: having their 401(k) fully invested in their employer’s company stock. When it comes time to start planning for liquidity, these investors should consider the Net Unrealized Appreciation they have in their company stock. The show hosts also address listeners’ questions on investing in Boeing, how to work through a mid-life financial crisis, and minimizing the tax owed on one’s Social Security benefit.

The “Money Talks” hosts discuss a common situation amongst retirees: having their 401(k) fully invested in their employer’s company stock. When it comes time to start planning for liquidity, these investors need to consider the Net Unrealized Appreciation they have in their company stock.

The “Money Talks” hosts discuss a common situation amongst retirees: having their 401(k) fully invested in their employer’s company stock. When it comes time to start planning for liquidity, these investors need to consider the Net Unrealized Appreciation they have in their company stock.

The “Money Talks” hosts discuss a common situation amongst retirees: having their 401(k) fully invested in their employer’s company stock. When it comes time to start planning for liquidity, these investors need to consider the Net Unrealized Appreciation they have in their company stock.

This week on “Money Talks,” the hosts discuss how the U.S./China trade talks have affected the market, how earnings season has been, and interest rates. Hosts discuss a common situation amongst retirees: having their 401(k) fully invested in their employer’s company stock. When it comes time to start planning for liquidity, these investors should consider the Net Unrealized Appreciation they have in their company stock. The show hosts also address listeners’ questions on investing in Boeing, how to work through a mid-life financial crisis, and minimizing the tax owed on one’s Social Security benefit.

This week on “Money Talks,” the hosts discuss how the U.S./China trade talks have affected the market, how earnings season has been, and interest rates. Hosts discuss a common situation amongst retirees: having their 401(k) fully invested in their employer’s company stock. When it comes time to start planning for liquidity, these investors should consider the Net Unrealized Appreciation they have in their company stock. The show hosts also address listeners’ questions on investing in Boeing, how to work through a mid-life financial crisis, and minimizing the tax owed on one’s Social Security benefit.

Do you work for a publicly-traded company? Can you invest in your company stock in your 401(k)? While the conventional wisdom is that you shouldn't have too much, if any, employer stock in your 401(k), the reality is that many do. Many people have invested a ton of their retirement assets in their company. Familiarity bias is a common cause of over-concentration in employer stock. But this week is about a tax strategy called Net Unrealized Appreciation, which may work extremely well in the right situations.    Questions? Email me: Mpolicar@hightoweradvisors.com   

I hope you didn’t panic out and sell during last year’s holiday correction.  The first quarter of 2019 was the best start for a 60/40 balanced portfolio since 1991.  The last 6 months should be enough to teach you not to try and time the market or invest emotionally. Instead, simply rebalance your portfolio when things feel a bit toppy and buy when the fear is high. Other topics include: Looking for signs of inflation How to tackle debt When is it a bad idea to rollover your old 401k to an IRA? Pet trusts and digital assets in estate planning What more can you do with your savings? Hiring a third party fiduciary as an executor or trustee Net Unrealized Appreciation and 401k rollovers     Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 on Tuesday's and Wednesday's from 6:00-7:00 a.m. (PDT)   Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

Rob Black talks about recent market highs, IBM, eHealth, Steve Mnuchin, Chipotle, Tom Petty, Ric Ocasek, and chats with CFP Chad Burton about Net Unrealized Appreciation.See omnystudio.com/listener for privacy information.

Rob Black & Your Money" - Radio Show October 18 - KDOW 1220 AM (7a-9a) Rob Black talks about recent market highs, IBM, eHealth, Steve Mnuchin, Chipotle, Tom Petty, Ric Ocasek, and chats with CFP Chad Burton about Net Unrealized Appreciation. See omnystudio.com/listener for privacy information.

Rob Black & Your Money" - Radio Show October 18 - KDOW 1220 AM (7a-9a) Rob Black talks about recent market highs, IBM, eHealth, Steve Mnuchin, Chipotle, Tom Petty, Ric Ocasek, and chats with CFP Chad Burton about Net Unrealized Appreciation. 

I’ll never forget the conference call I had with a client who was getting ready to retire from the company she had worked for 20 plus years. She had saved as much as life had allowed her to and most was invested in the stock of the company which employed her all that time. Almost... Listen Now--> The post GFC 094: Net Unrealized Appreciation Rules appeared first on Good Financial Cents®.

On this week’s Money Matters: The episode begins with a call about what kinds of returns should be expected from one’s investments. Then they take a call about RMDs, followed by a discussion on Net Unrealized Appreciation. Next, a call about whether to use extra money to pay off a rental property, or invest. Then, a call about setting up a 529 for a grandchild. Lastly, a call about investing in an immediate annuity.   Scott Hanson and Pat McClain have been hosting Hanson McClain’s Money Matters radio show for 20 years, and have answered questions from thousands of callers on a variety of financial topics.    Ask a question at moneymatters.com, or email Scott and Pat at questions@moneymatters.com.

Bob Keebler discusses net unrealized appreciation. Only available for clients with appreciated employer securities in their pension or profit-sharing plan, this is an incredible income tax planning opportunity. Hear the magic of turning ordinary income into capital gains. This Podcast is sponsored by Leimberg Information Services, Inc. at http://www.leimbergservices.com Please visit our software, books, and PowerPoint Presentations site at http://www.leimberg.com

Bob Keebler discusses net unrealized appreciation. Only available for clients with appreciated employer securities in their pension or profit-sharing plan, this is an incredible income tax planning opportunity. Hear the magic of turning ordinary income into capital gains. This Podcast is sponsored by Leimberg Information Services, Inc. at http://www.leimbergservices.com Please visit our software, books, and PowerPoint Presentations site at http://www.leimberg.com

Demonstrate the tax advantages of net unrealized appreciation on stock distributions from a pension plan, tax-harvesting losses in an IRA account, and the tax implications of converting assets from a traditional IRA to a Roth IRA.

Demonstrate the tax advantages of net unrealized appreciation on stock distributions from a pension plan, tax-harvesting losses in an IRA account, and the tax implications of converting assets from a traditional IRA to a Roth IRA.