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19 episodes with retirement services
10 episodes with retirement services
3 episodes with retirement services
2 episodes with retirement services
2 episodes with retirement services
2 episodes with retirement services
2 episodes with retirement services
2 episodes with retirement services
2 episodes with retirement services
Want to keep more of what you earn and build long-term security for yourself and your team? Retirement planning may sound overwhelming — but with the right strategy, it can reduce your taxes, attract better employees, and set you up for the future. In this episode, I talk with Matt Ruttenberg, co-owner and Director of Business Development at Life, Inc. Retirement Services. Matt helps businesses, including bars and restaurants, figure out how to set up retirement plans that actually work for them. In today's episode:Why IRAs aren't always the best choice for bar ownersWhat makes a 401(k) more flexible — and how it can save you moneyThe tax credits that are available right now (they can be big!) How you can set rules around who qualifies — so you're not giving money to short-term staff What to expect when you set one up (it doesn't take as long as you think) Listen now and take the guesswork out of retirement planning for good. Learn more about Life, Inc. Retirement Services Life, Inc. Retirement Services WebsiteLearn More:Schedule a Strategy SessionBar Business Nation Facebook GroupThe Bar Business Podcast WebsiteChris' Book 'How to Make Top-Shelf Profits in the Bar Business'Thank you to our show sponsors, SpotOn and Starfish. SpotOn's modern, cloud-based POS system allows bars to increase team productivity and provides the reporting you need to make smart financial decisions. Starfish works with your bookkeeping software using AI to help you make data-driven decisions and maximize your profits while giving you benchmarking data to understand how you compare to the industry at large. **We are a SpotOn affiliate and earn commissions from the link above. A podcast for bar, pub, tavern, nightclub, and restaurant owners, managers, and hospitality professionals, covering essential topics like bar inventory, marketing strategies, restaurant financials, and hospitality profits to help increase bar profits and overall success in the hospitality industry.
Cultivating Presence in Pivots Episode #154 Welcome back to The Creative Soulpreneur podcast! On today's episode, we have the pleasure of hosting an inspiring duo, Theresa and Ivana. Host Nick introduces us to this dynamic pair, who recently embarked on a powerful journey of personal and professional pivots. Discover how they initially met Nick at a financial services event and how it led them to unpack deep conversations about vulnerability, authenticity, and the multiple layers of pivoting in life. Theresa and Ivana dive into their own experiences, discussing how life's unexpected challenges forced them to pivot and how these shifts have led to new opportunities and a deeper sense of purpose. Learn about the profound impact of Theresa's battle with breast cancer and Ivana's resilience in overcoming PTSD from her experiences growing up in Eastern Europe. Throughout this episode, our guests explore the concept of embracing change, navigating through discomfort, and finding grace within themselves during transitions. They reveal how they support one another and others in their industry to step into their own pivots with courage and intention. Tune in to hear more about their podcast, "Step Into the Pivot," Theresa's upcoming keynote speeches and book plans, and Ivana's exciting retreat offerings. This episode is brimming with insights, heartfelt stories, and practical advice on how to turn any sour lemons life hands you into something beautifully transformative. Takeaways: Embrace the Layers of Pivoting: Theresa and Ivana shared how each pivot goes beyond the surface. It starts physically (like changing jobs or managing health), extends to emotional adjustments, and dives deep into spiritual reflections about who we are and what we want. Give Yourself Grace: Theresa emphasized the importance of allowing yourself the time and space to navigate a pivot. Whether it's selling a business after decades or facing an unexpected layoff, grace is crucial for making thoughtful and impactful decisions. Transform Challenges into Opportunities: Ivana highlighted that even the toughest situations (like dealing with PTSD from past trauma) can be catalysts for growth. By being present and nurturing self-awareness, you can turn sour lemons into nourishing lemonade, or even vegan ice cream!
Have you ever wondered what it takes to make the leap from a conventional career to a fulfilling entrepreneurial journey? Glenn Harper and Julie Smith sit down with Matt Ruttenberg, co-owner of Business Development of Life Inc. Retirement Services, to unravel his path from Ohio to Hawaii. You'll hear about his transition from the traditional financial services industry to creating meaningful retirement solutions for clients. Discover how Matt managed to blend his passion for helping others with his entrepreneurial spirit to build a flourishing business. This is an inspiring conversation filled with actionable insights and dynamic twists that could alter the way you think about your entrepreneurial journey. The end might just stop you in your tracks.Top Empowering TakeawaysEntrepreneurial Journey: Matt's entrepreneurial journey shows the importance of discovering what truly interests you and pivoting when necessary. He shifted from traditional financial services to providing more specialized retirement plan services.Mentorship and Family Influence: Matt's background in a finance-savvy family and mentorship from his father played a significant role in molding his career path. His father's work ethic and approach influenced Matt's decision to become an entrepreneur.Adaptability and Patience: Matt emphasizes the importance of patience and adaptability. Entrepreneurs need to be prepared to take a long journey, understanding that initial steps might lead to unexpected but valuable opportunities.Collaboration and Team Building: To scale and excel in business, especially in providing specialized services like 401(k) plans, building a knowledgeable and strong team is essential. Matt moved from working independently to partnering with a team to leverage their collective expertise.Client-Centered Approach: The focus on understanding the client's specific needs, whether for tax saving or providing value to employees, is essential in the retirement plan services business. Tailoring plans to meet these specific needs makes a big difference.Geographical Flexibility: Matt transitioned from different locations like Ohio, Florida, and eventually Hawaii, showing that geographical flexibility can play a role in pursuing entrepreneurial dreams and exploring new opportunities.Real Estate Investment: Matt's real estate ventures with his brother and cousin during college highlight the potential of real estate as a secondary business avenue for entrepreneurs.Importance of Networking: Matt's involvement in financial media networks and conferences underscores the importance of networking in fostering professional growth and staying updated with industry trends.Family Support: Having a supportive spouse who understands and encourages the entrepreneurial journey can significantly impact an entrepreneur's success. Matt credits his wife's support as pivotal in his journey.Continuous Learning and Evolution: The concept of continuous improvement and evolution in career and business decisions is vital. Matt's path shows the need to keep learning, adapting, and re-strategizing to find the most fulfilling and successful role.This episode is brought to you by PureTax, LLC. Tax preparation services without the pressure. When all you need is to get your tax return done, take the stress out of tax season by working with a firm that has simplified the process and the pricing.
Abe discusses essential year-end financial strategies for retirement planning. He emphasizes the importance of taking required minimum distributions (RMDs), conducting year-end portfolio reviews, and reassessing insurance policies. Ready to get a second look at your retirement plan? Visit TheRetirementKey.com today!See omnystudio.com/listener for privacy information.
Questions? Thoughts? Send a Text to The Optometry Money Podcast!Matt Ruttenberg of Life Inc., Retirement Services joins the podcast for a mid-year review of 2024 updates for 401(k) plans and late-year deadlines optometry practice owners need to know. They dive into soon-to-be required auto-enrollment, deadlines to open a safe harbor 401(k) plan for 2024, profit sharing deadlines, submitting 5500 for solo 401(k) plans, and more!Have questions on anything discussed or want to have topics or questions featured on the show? Send Evon an email at podcast@optometrywealth.com.Check out www.optometrywealth.com to get to know more about Evon, his financial planning firm Optometry Wealth Advisors, and how he helps optometrists nationwide. From there, you can schedule a short Intro call to share what's on your mind and learn how Evon helps ODs master their cash flow and debt, build their net worth, and plan purposefully around their money and their practices. Resources mentioned on this episode:The Optometry Money Podcast Ep 40: The Optometrist's Guide to The SECURE Act 2.0The Optometry Money Podcast Ep 89: 2024 Financial Updates Optometrists Need to KnowThe Optometry Money Podcast Ep 63: Choosing A Retirement Plan for Your Optometry PracticeThe Optometry Money Podcast Ep 64: How to Invest Six Digits A Year Into Your Practice Retirement Plans with Matt RuttenbergLife, Inc. Learning CenterThe Optometry Money Podcast is dedicated to helping optometrists make better decisions around their money, careers, and practices. The show is hosted by Evon Mendrin, CFP®, CSLP®, owner of Optometry Wealth Advisors, a financial planning firm just for optometrists nationwide.
Mark Overberg spent 22 years in the Army and after a brief tenure with the Small Business Administration, returned as a civilian working with U.S. Army Retirement Services, the last 8+ years as its director. In today's episode, we talk about getting ready to leave the service, the things about which one should be thinking, and the resources available, including those at www.soldierforlife.army.mil/retirement. Mark's LinkedIn profile is available at https://www.linkedin.com/in/mark-overberg/ --- Support this podcast: https://podcasters.spotify.com/pod/show/tom-welsh/support
Scott welcomed back Anthony Nizzi to the podcast studio to discuss behavioral finance.The conversation delved into various biases that can impact decision-making in financial planning and highlighted the importance of understanding these biases to better serve our clients.In this episode you will learn the following:Biases such as anchor bias, ambiguity aversion, myopic loss aversion, and herding bias, and explain how these biases influence decision-making in investments.Anthony shares examples and stories to illustrate these biases, emphasizing the importance of working with a financial advisor to make rational decisions based on long-term goals.He recommends "The Behavioral Investor" book and highlights his accreditation as a behavioral finance professional from the College for Financial Planning.Anthony provides his contact information for further inquiries and encourages listeners to subscribe, like, share, and leave feedback on the podcast.Anthony is responsible for developing and executing sales strategies with Guaranty's key partners as well as crafting simplified sales concepts for our financial representatives. In 2022 Anthony earned his Accredited Behavioral Finance Professional Designation from the College for Financial Planning. This unique program is devoted to understanding the nature and role psychological biases and emotions play in the decision-making process in an uncertain environment. Through this program Anthony has learned how to help financial advisors recognize these behaviors in themselves and their clients and provide solutions to mitigate client financial behaviors. Anthony earned his bachelor's degree in Business Administration from AIB College of Business, holds FINRA Series 6, 63, and 26 licenses as well as Iowa Life & Health Insurance Licenses.Connect with Scott on LinkedInConnect with Anthony on LinkedInFor more on The Optimized Advisor Podcast click here Follow us on LinkedInFollow us on InstagramFollow us on Facebook **This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com Optimized Insurance Planning
Meet MattI am a 401k (retirement plan) expert and education business owners, accountants, bookkeepers, etc. on the vast retirement plan space.I am the CMO/Co-Owner of Life, Inc. Retirement Services, an independent 401k administration company building custom retirement plans for small and mid-sized business.I am also the Founder of SureLI Insurance, and online insurance agency focused on serving the Financial Independent Community.Connect with Matt
#BRNAM #1678 | Staying Ahead of the Curve:Meeting the Threat of Fraud in the Financial & Retirement Services Industries Head On | Tim Rouse, Executive Director, The Spark Institute, Russell Anderson, CFE, Head of Financial Crimes Services, LIMRA & Pat Kinsel, Founder & CEO, Proof | #Tunein: broadcastretirementnetwork.com #JustTheFacts | For more information visit https://www.sparkinstitute.org
Give your career that extra push and improve your performance with tips from our guest, Terri Fiedler, President of Retirement Services at Corebridge Financial. Terri, an accomplished professional in the financial services industry, shares her journey from a nutrition degree to her current role. Follow along as she enlightens us with her unexpected journey from nutrition to finances, proving that overcoming challenges is all part of the game. We'll also delve into the crucial role of collaboration, the advantage of diverse skill sets within teams, and why self-awareness is key. To all you go-getters out there, Terri's candid advice on seeking unfiltered feedback and cultivating professional relationships will resonate with you. In this episode, you will be able to: Elevate your performance by seeking valuable feedback. Expand your career horizons by building a powerful professional network. Master the art of goal-setting and turn failures into stepping stones. Join us, and let's discover together the power of resilience, the joy of lifelong learning, and the importance of fostering a supportive professional tribe around you. For full show notes including how to get in touch with our special guest, visit our website.
Tune in to hear April McDaniel of Kopsa Otte CPAs + Advisors unveil crucial tax season secrets, from decoding the intricacies of deductions for beauty industry professionals to demystifying the ever-changing meal rules. Don't miss this episode if you want to ensure you're not overlooking vital information that could save you money and headaches during tax season!*This is not financial, legal, or tax adviseFollow/subscribe to be the first to know when new episodes are released. Like what you hear? Leave us a review!KEY TAKEAWAYS:April started off as a private sector auditor before working with Kopsa Otte helping the beauty industry with their taxes!If you are a suite owner, you are a business owner and must look at taxes differently than an employee.Service Sales vs Retail Sales are going to be your source of income.Keep your receipts, write down, in detail, why it is a business-related expense, and take a picture of the receipt and save it in a Google Drive file! The IRS says that your credit card statement is not sufficient; they want to see itemized receipts.Meal rules change every year, so make sure to talk to your accountant to understand the new rules for deducting meals.Personal car use is only a business expense when you use it explicitly for business purposes...driving to and from work does not apply. Get QuickBooks and learn it; it will make your life amazing.Solopreneurs and salon owners have a better argument for the home office deduction, but you must document it by keeping a calendar that shows the time you spent in the office. S-Corps, not so much.Car Deductions: it has to be primarily used for business purposes and your commute to and from work does not count as a business purpose, technically.Meals at super expensive restaurants could be seen as research on your part into hospitality and customer service, but you must document the service on your receipt when you store it. Otherwise, it could look sketchy....basically, meals are not easily deductible and you do not get 10%Tips are income, and you have to claim all of that income. Venmo is a paper trail, and they will report you to the IRS eventually, so stay apprised of all updates and start claiming your tips now!TIPS: the Govt can assume you make 10-15% in tips of your total revenue. So, if you are not claiming your tips at all, then you could be due to pay back taxes and penalties. VENMO and ZELLE have systems to identify your transactions, so do not think that using those platforms and not claiming tips is safe.
The Benefits of Target Date Funds - A Guide to Retirement Investing Information about Anne can be found online: https://annelester.com 3 Bullet Points with Takeaways - Target date funds are an effective retirement investment option, especially for those who prefer a hands-off approach to managing their portfolios. - These funds follow a "glide path" that gradually shifts the allocation from high-risk assets (like stocks) to lower-risk assets (like bonds) as the investor approaches retirement age. - By simplifying investment decisions, target date funds help individuals avoid emotional pitfalls and achieve a balanced, diversified, and more reliable retirement savings. Summary In this informative video, Anne Lester, a former head of Retirement Services at JP Morgan, discusses the benefits of target date funds as a reliable option for retirement investing. Target date funds work on a "glide path," adjusting the asset allocation over time, becoming less risky as the investor nears retirement age. This feature helps mitigate the impact of market volatility and emotional decision-making, as the fund's allocation is professionally managed. Anne highlights the importance of diversification and touches on the significance of providing a simpler investment approach for individuals who may not have the time, interest, or expertise to actively manage their retirement savings. Target date funds offer a do-it-for-me option that helps remove the burden of decision-making from individual investors. Moreover, she explains the considerations in selecting the appropriate target date fund based on factors like desired retirement age, risk tolerance, and financial goals. The video emphasizes the significance of long-term planning and staying committed to the retirement savings strategy, while discouraging common pitfalls like early withdrawals and frequent adjustments. In conclusion, target date funds are a valuable tool for individuals seeking a reliable and low-stress way to build their retirement savings. The simplicity and automatic adjustment of asset allocation make these funds a suitable choice for many investors who wish to secure a financially stable retirement future. Watch on YouTube: https://youtu.be/XOR3FnKQ6JM --- Support this podcast: https://podcasters.spotify.com/pod/show/jaes-corner/support
How do you maximize the retirement plans in your optometry practice? Profit and cash flow are growing, your taxable income is growing. How do you put potentially $100,000 or more into your retirement accounts?Matt Ruttenberg of Life, Inc. Retirement Services joins Evon once again for Part 2 to talk about how to use the different layers and features of retirement plans to their fullest potential. They dive into:The three layers of retirement plan opportunitiesDifferent methods of profit sharing contributions in your 401(k)How a cash balance pension plan works and which optometrists are a good fitA key tax planning window before exiting or selling your optometry practiceHow different business entities under the same ownership impact your retirement plansHave questions on anything discussed or want to have topics or questions featured on the show? Send Evon an email at evon@optometrywealth.com.Check out www.optometrywealth.com to get to know more about Evon, his financial planning firm Optometry Wealth Advisors, and how he helps optometrists nationwide. From there, you can schedule a short Intro call to share what's on your mind and learn how Evon helps ODs master their cash flow and debt, build their net worth, and plan purposefully around their money and their practices. Resources mentioned on this episode:The Optometry Money Podcast Ep. 63: Choosing a Retirement Plan For Your Optometry Practice with Matt RuttenbergLife, Inc. Retirement ServicesLife, Inc. Tax Credit CalculatorRetirement Plan EvaluatorEmail: matt.ruttenberg@lifeincrs.comGet your FREE financial health assessmentThe Optometry Money Podcast is dedicated to helping optometrists make better decisions around their money, careers, and practices. The show is hosted by Evon Mendrin, CFP®, CSLP®, owner of Optometry Wealth Advisors, a financial planning firm just for optometrists nationwide.
What's the right retirement plan for your private optometry practice? Matt Ruttenberg of Life, Inc. Retirement Services joins Evon to talk all about choosing the right retirement plan for your practice. They dive into:IRA-based retirement plans, like SEP IRA and SIMPLE IRA plansSafe Harbor and Traditional 401(k) plansQuestions to ask to choose the right plan for your practiceUpdates from the recent SECURE Act 2.0 Important enhancements to tax credits for starting retirement plans in your optometry practiceUltimately, you need to look at your own circumstances, cash flow, and your goals for the plan, and make the decision that works best for you. Have questions on anything discussed or want to have topics or questions featured on the show? Send Evon an email at evon@optometrywealth.com.Check out www.optometrywealth.com to get to know more about Evon, his financial planning firm Optometry Wealth Advisors, and how he helps optometrists nationwide. From there, you can schedule a short Intro call to share what's on your mind and learn how Evon helps ODs master their cash flow and debt, build their net worth, and plan purposefully around their money and their practices. Resources mentioned on this episode:Life, Inc. Retirement ServicesLife, Inc. Tax Credit CalculatorRetirement Plan EvaluatorThe Optometry Money Podcast Ep. 40: The Optometrist's Guide to SECURE Act 2.0 The Optometry Money Podcast is dedicated to helping optometrists make better decisions around their money, careers, and practices. The show is hosted by Evon Mendrin, CFP®, CSLP®, owner of Optometry Wealth Advisors, a financial planning firm just for optometrists nationwide.
In this quick hit episode, we'll cover why SECURE 2.0 was created, what the impact will mean for your organization + your people, what deadlines are approaching, and what employers should be thinking about now to implement in the future. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, accounting, legal or tax advice. Any tax advice contained herein is of a general nature. You should seek specific advice from your tax professional before pursuing any idea contemplated herein.Music By: Colin Cross Music
What Retirement Plan Options Are Available For My Business in 2023? In this episode of the Small Business Tax Savings Podcast, Mike interviews Matt Ruttenberg from Life Inc. Retirement Services about retirement plan options available for small businesses in 2023.Matt dives into the different types of retirement plans available for business owners, including traditional IRAs, ROTH IRAs, SEP IRAs, Solo 401Ks, Simple IRAs, and the new Starter 401K coming out in 2014. Tune in now as Matt discusses the importance of saving money on taxes and creating a secure future for themselves and their employees![00:30] Retirement Plan Options For Small Business OwnersToday's episode is all about retirement plan options that are available for your business in 2023Mike interviews Matt Rutenberg, the CMO at Life, Inc. Retirement Services[09:00] Maximize Retirement Savings with SEP IRA, Solo 401K, and Simple IRA OptionsThe goal of a retirement plan is to save money on taxes or recruit/retrain employeesTraditional IRA and ROTH IRA available for personal retirement savingsSEP IRA option for solo business owners with employer contributions up to $66, 000He hints that ROTH contributions may be allowed into SEP IRAs[12:30] Exploring Retirement Options For Business OwnersSEP IRA has a maximum contribution of $25, 000Solo 401K is a better option as it allows for an additional employee contribution of $22, 500 in 2023Traditional IRA and ROTH IRA are the two main retirement options for solo business owners with no outside employeesPayroll-directed IRA is available for business owners with outside employees or non-owner, non-family members [19: 00] Closing SegmentMatt offers his advice on the importance of saving money on taxes and creating a secure future for themselves and their employees!Final WordsConnect with Matt!Website: Life Inc.LinkedIn: Matt RuttenbergTwitter: @Matt_RuttenbergInstagram: @Matt_RuttenbergFacebook: Life Inc. RetirementKey Quotes“If you're trying to segment out certain employees or yourself, you might have to go towards a non-qualified plan because if you have a qualified plan like a 401k, Simple, there's rules and fairness… If you are non-qualified, it removes all those fairness rules, and then you can start targeting certain individuals and so on and so forth.” – Matt Ruttenberg--------Podcast Host: Mike Jesowshek, CPA - Founder and Host of Small Business Tax Savings PodcastJoin Our Tax Minimization Program: https://www.taxsavingspodcast.com/taxIncSight Packages: https://incsight.net/pricing/Book an Initial Consultation: https://app.simplymeet.me/o/incsight/sale-------Podcast Website: https://www.TaxSavingsPodcast.comFacebook Group: https://www.facebook.com/groups/taxsavings/--------To find out more on this topic and many others visit our website at www.TaxSavingsPodcast.com. You can also give us a call at 844-327-9272 or send your questions to us at: Ask@TaxSavingsPodcast.com
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The signing of SECURE 2.0 Act of 2022 includes important provisions and changes to retirement savings plans. But what does this mean for your business and employees? We've brought in an expert from ADP's Retirement Services to help break down SECURE 2.0. We'll help you know more about some of the new benefits to employers and employees that are designed to make it more attractive to offer retirement plans, and to improve retirement outcomes for employees. Listen in as we discuss: [1:57] Tax credits for start-up plans, and options for businesses to start a plan [3:12] Automatic enrollment, automatic escalation provisions & catch-up contributions [6:19] Changes to the Required Minimum Distribution requirements [6:59] What is the Student Loan Match provision? [7:44] Covering unexpecting expenses & emergency withdrawal provisions [10:50] How does this change the Saver's Credit? Copyright © 2023 ADP, Inc. All rights reserved. This content may not be distributed, reproduced, modified, sold or used without the written permission of ADP. The information is provided "as is" without any expressed or implied warranty, is based on generally accepted HR practices and is advisory in nature. This content is provided with the understanding that neither the presenters nor the writers are rendering legal advice or other professional services. Employers are encouraged to consult with legal counsel for advice regarding their organization's compliance with applicable laws. This material is current as of the date of this episode (April 2023).
Mark started his Army Career as an All-Source Intelligence Analyst before becoming an Armor Officer. During his distinguished career, Mark has been stationed in Germany and the US, deployed to South Florida in support of Hurricane Andrew recovery operations, Haiti in support of Operation Uphold Democracy, Uzbekistan and Afghanistan, before ending his career assigned to the Army G-1. Mark is currently the Director, Army Retirement Services where he is responsible for all Army retirement services policy and oversight of the program's delivery to 185,000 Soldiers of all three components with 17+ years of service and 1.25 million Retired Soldiers and surviving spouses as well as strategic level program communications.
Mark started his Army Career as an All-Source Intelligence Analyst before becoming an Armor Officer. During his distinguished career, Mark has been stationed in Germany and the US, deployed to South Florida in support of Hurricane Andrew recovery operations, Haiti in support of Operation Uphold Democracy, Uzbekistan and Afghanistan, before ending his career assigned to the Army G-1. Mark is currently the Director, Army Retirement Services where he is responsible for all Army retirement services policy and oversight of the program's delivery to 185,000 Soldiers of all three components with 17+ years of service and 1.25 million Retired Soldiers and surviving spouses as well as strategic level program communications.
Chief Investment Officer Troy Harmon, CFA, CVA, and Justin Wagner, AIF®, Client Relationship Manager for Retirement Services, deal with an investor who set his 401(k) and forgot about it for 13 years! Read the Article: https://www.henssler.com/retirement-savings-should-not-be-left-on-autopilot
Henssler Money Talks – February 25, 2023Season 37, Episode 8This week on “Money Talks,” Chief Investment Officer Troy Harmon, CFA, CVA, is joined by Justin Wagner, AIF®, a Client Relationship Manager for Retirement Services to cover the week's news, including the minutes from the latest Federal Open Market Committee meeting and the second reading of fourth quarter 2022 GDP. Justin and Troy address an investor who set his 401(k) and forgot about it for 13 years! Rounding out the show, Dr. Gene, Bil Lako, CFP®, and Jennifer Thomas, CFP® look back at how “Money Talks” has evolved alongside our firm and the many significant market events we've covered over the last three and a half decades as part of Henssler Financial's 35th Anniversary. Timestamps and Chapters 00:00 Market Roundup: Covering Feb 20 – Feb. 24, 202311:03 Case Study: I Set It and Forgot It 20:36 Special 35th Anniversary Retrospective Follow Henssler: Facebook: http://bit.ly/HensslerFacebook Twitter: http://bit.ly/HensslerTwitter LinkedIn: http://bit.ly/HensslerLinkedIn Instagram: https://www.instagram.com/hensslerfinancial/YouTube: http://bit.ly/HensslerYouTube “Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/
Don't miss this very informative episode! We sit down with Quest Trust Company's IRA Specialist, Nicole Bacot, to discuss the advantages of opening a self-directed IRA. --About the guest:Nicole Bacot is an IRA Specialist at Quest Trust Company. She started her Quest Trust Company journey in November of 2020 and has 15 years of experience in the financial services industry. Starting off in the Trust Industry, Nicole managed the Retirement Services division at Regions Morgan Keegan Trust. In that role Nicole helped design 401(k) plans for multi-person employers. She also managed an $80,000,000 book of business and gave education to the employees of the companies stressing the importance of saving for retirement and how to do so. Her role also allows her broad education and experience give amazing customer service and will continue to grow in her role here at Quest Trust Company. Mrs. Bacot has been married for fifteen years and the couple share two sons, Travis and Townes. Connect with Nicole Bacot and Quest Trust Company (QTC): QTC Website: https://www.questtrustcompany.com/QTC Phone: 281-492-3434QTC Email: iraspecialist@questtrust.com Episode Highlights✔️ Instilling financial literacy in children✔️ The risk of poor retirement planning✔️ What is a self-directed IRA? What are the advantages/disadvantages of an SDIRA?✔️ Using retirement funds to invest in the private investment world✔️ What types of investments can be held in an SDIRA?✔️ Converting your 401(k) to a SDIRA--❓ WANT TO LEARN MORE?Apartment Syndication FAQ Reference Sheet
Mark Overberg, Director of Army Retirement Services, takes a deep dive into all the services and resources available to soldiers and families who are getting ready to retire. This must listen discussion provides a wide array of important information critical to anyone who want to make that process a little easier to navigate. --- Send in a voice message: https://anchor.fm/yournextmission/message
Matt and Brandon talk about how to build a 401k plan for your company within your budget. Get Matt's help to set up or expand your company's 401k plan to start saving tax free. Visit him for a free call
Matt and Brandon talk about your options to start a 401k plan for your company even after the Safe Harbor Filing Deadline passes. Get Matt's help to set up or expand your company's 401k plan to start saving tax free. Visit him for a free call
In this episode your host, David Weaver, talks with entrepreneur Matt Ruttenberg, CMO, Director of Business Development with Life, Inc. Retirement Services + Founder of SureLI Insurance. Life, Inc. Retirement Services that helps business owners find the right retirement plan for their business. Whether a 'solo-prenuer' or the employer of 50+ employees, finding the right TYPE of 401(k) plan is key. Life, Inc. offers easy, custom, affordable 401(k) plan options to help take your business to the next step. Life, Inc. process is simple: 1) Find the right plan. 2) Enroll you & your employees. 3) Ongoing service and planning. During this episode Matt & David discuss Matt's journey into the role he's in today, what challenges he had to overcome & what it is like running multiple businesses, while providing insight on how business owners can take control of their retirement plans & find what works best for their specific business. To learn more about Matt Ruttenberg & Life, Inc. Retirement Services click HERE: https://lifeincrs.com/ Or check out their online tool that helps business owners narrow down their retirement options, click HERE: https://lifeincrs.com/evaluator/ If you'd like to be a guest on Sacrifice to Success, click HERE: https://lnkd.in/dUj-4bEV To learn more about how I serve business owners, visit: davidweavercoach.com
Marcus Ufeanyui and Julius Anderson work at the Retirement Services Office on Fort Campbell. They join Charlie and Katie to talk about what services the office provides to soldiers as they get ready to retire, and an event coming up in early October. This Fort Campbell episode is brought to you by F&M bank.
Join Barb Smith, DTCC Executive Director and Head of I&RS as she chats with DTCC colleagues, Cory Stark and Jon Volpe, both Senior Product Management Directors of I&RS as they celebrate 25 years of DTCC's Insurance & Retirement Services and discuss their experiences in the business, challenges that have arisen and where they see the future of the industry. Copyright 2022 - DTCC. All rights reserved. DTCC, DTCC (Stylized), ADVANCING FINANCIAL MARKETS. TOGETHER, and the Interlocker Graphic are registered and unregistered trademarks of The Depository Trust & Clearing Corporation.The information and views contained herein are provided for informational purposes only and should not be relied on for any other reason. This material is not intended to be relied upon as a forecast, research, legal or investment advice and is not a recommendation, offer or solicitation to buy or sell any securities or to adopt an investment strategy. The information and views expressed are current as at the date of this document, but subject to change and do not necessarily reflect the views of DTCC and no assurances are made as to their accuracy. Any reliance upon information in this material is at the sole risk of the recipient. Where the information contained in this material is from third party sources, this information is from sources believed to be reliable, but DTCC has not independently verified any of the information contained herein and does not assume any liability for it nor any obligation to modify or update it. This Service is governed by applicable Rules, Procedures, and Services Guide for each DTCC subsidiary, which contain the full terms, conditions, and limitations applicable to this Service.
Brandon and Matt talk about the SEP IRA and a regular 401k. Get Matt's help to set up or expand your company's 401k plan to start saving tax free. Claim your assessment:
What Is Data Governance and why does it matter? On the show, we have Solomon Madadha, the SVP of Data Analytics & Governance Wealth Management at Regions Bank. We talk about the increasing complexity of data, data collections, data democratization, and so much more….Tune in to the full episode. In this episode, we cover Solomon's responsibilities at Regions Bank. What are the challenges for Data Collections What is Data Quality and its importance How to ensure accuracy in data collection processes Importance of data consistency. Data Warehouse fundamental skill set. Data Quality and Accessibility measure. Data Governance roles and responsibilities. Data Governance challenges The impact of Data Governance in Cybersecurity Connect with Solomon Madahda About today's guest: 25 Years of well-rounded experience in Information Technology with 15 years in Enterprise Data Management and Advanced Analytics within the Financial Services Industry. Visionary and cross-functional organizational leader in delivering business value with Enterprise data strategy, delivered scalable modern Enterprise Data solutions, self-servicing Advanced Analytics Platforms using Big Data and Data Science Capabilities. Current responsibilities include vision, strategy, and execution of Data Analytics and Governance functions across the Wealth Management Business Units - Private Wealth Management, Institutional Services, Investment Services, Asset Management, and Retirement Services. ________ Thank you so much for checking out, this episode of The Tech Trek and if you enjoyed this episode, please take a minute and leave a quick rating and review on the Apple podcast app! Want to learn more about us? Head over at https://www.elevano.com Have questions or want to cover specific topics with our future guests? Please message me at https://www.linkedin.com/in/amirbormand (Amir Bormand)
Matt and Brandon talk about a real world case study where the business owners saved over $150,000 in their 401k plan. They talk about how the company is set up, what they did and how you can do the same thing to save more money in your 401k with your company. Get Matt's help to set up or expand your company's 401k plan to start saving tax free. Visit him for a free call
Matt and Brandon talk about what a prototype plan document is and how it can help you in your 401k plan strategy with your company. Get Matt's help to set up or expand your company's 401k plan to start saving tax free here.https://lifeincrs.com/edge-podcast/ About 401k Expert Matt Ruttenberg Matt Ruttenberg is a third generation financial entrepreneur, 401k expert, and CMO and Shareholder of Life, Inc. Retirement Services. SIGN UP FOR OUR NEWSLETTEROver 17,200 listeners and countinghttps://edge.ck.page/bea5b3fda6 EPISODE LINKS: Get FREE information about setting up your 401k plan https://lifeincrs.com/edge-podcast/ RESOURCE LINKS: How to Write a Business Plan in 13 easy to Build Slides. Free 30+ page ebook https://www.buildabusiness.io/guide-to-building-the-perfect-business-plan1600276207655 EDGE PODCAST INFO: Apple Podcasts https://podcasts.apple.com/us/podcast/edge/id1522407349 Spotify https://open.spotify.com/show/7a3WcnSn9PlvwwF5hn4p4S YouTube Channel https://www.youtube.com/channel/UCabV9Rcw4MohWvTGr3OTzFw Website: EDGE Podcast https://MyEDGEPodcast.com RSS Feed: EDGE's RSS Feed https://buildabusinesssuccesssecrets.libsyn.com/rss SUPPORT & CONNECT SIGN UP FOR OUR NEWSLETTER Over 17,200 listeners and counting https://edge.ck.page/bea5b3fda6 Please Support this Podcast by checking out our Sponsors: Mad River Botanicals 100% certified organic CBD products. The product is controlled from seed to end product by it's owners. Use code: EDGE22 to get 10% off all your orders. Shop here https://madriverbotanicals.com/?ref=18 EDGE Podcast. A top podcast for entrepreneurs! https://myedgepodcast.com
In this epsiode Matt and Brandon explain what custodian you should use for your 401k plan and why. About 401k Expert Matt Ruttenberg Matt Ruttenberg is a third generation financial entrepreneur, 401k expert, and CMO and Shareholder of Life, Inc. Retirement Services. Get Matt's help to set up or expand your company's 401k plan to start saving tax free here.https://lifeincrs.com/edge-podcast/ SIGN UP FOR OUR NEWSLETTER HERE!Over 17,200 listeners and countinghttps://www.brandoncwhite.com/subscribe/ EPISODE LINKS: Get FREE information about setting up your 401k plan https://lifeincrs.com/edge-podcast/ RESOURCE LINKS: How to Write a Business Plan in 13 easy to Build Slides. Free 30+ page ebook https://www.buildabusiness.io/guide-to-building-the-perfect-business-plan1600276207655 EDGE PODCAST INFO: Apple Podcasts https://podcasts.apple.com/us/podcast/edge/id1522407349 Spotify https://open.spotify.com/show/7a3WcnSn9PlvwwF5hn4p4S YouTube Channel https://www.youtube.com/channel/UCabV9Rcw4MohWvTGr3OTzFw Website: EDGE Podcast https://MyEDGEPodcast.com RSS Feed: EDGE's RSS Feed https://buildabusinesssuccesssecrets.libsyn.com/rss SUPPORT & CONNECT SIGN UP FOR OUR NEWSLETTER HERE! Over 17,200 listeners and countinghttps://www.brandoncwhite.com/subscribe Please Support this Podcast by checking out our Sponsors: Mad River Botanicals 100% certified organic CBD products. The product is controlled from seed to end product by it's owners. Use code: EDGE22 to get 10% off all your orders. Shop here https://madriverbotanicals.com/?ref=18 EDGE Podcast. A top podcast for entrepreneurs! https://myedgepodcast.com
In this episode Matt and Brandon talk about a ROBS 401k and how you can use it to fund your business. This could be to start up your business and provide cash flow vs. having to raise money from investors. About 401k Expert Matt Ruttenberg Matt Ruttenberg is a third generation financial entrepreneur, 401k expert, and CMO and Shareholder of Life, Inc. Retirement Services. Get Matt's help to set up or expand your company's 401k plan to start saving tax free here.https://lifeincrs.com/edge-podcast/ SIGN UP FOR THE EDGE NEWSLETTEROver 17,200 listeners and countinghttps://www.brandoncwhite.com/subscribe/ EPISODE LINKS: Get FREE information about setting up your 401k plan https://lifeincrs.com/edge-podcast/ RESOURCE LINKS: How to Write a Business Plan in 13 easy to Build Slides. Free 30+ page ebook https://www.buildabusiness.io/guide-to-building-the-perfect-business-plan1600276207655 EDGE PODCAST INFO: Apple Podcasts https://podcasts.apple.com/us/podcast/edge/id1522407349 Spotify https://open.spotify.com/show/7a3WcnSn9PlvwwF5hn4p4S YouTube Channel https://www.youtube.com/channel/UCabV9Rcw4MohWvTGr3OTzFw Website https://MyEDGEPodcast.com RSS Feed https://buildabusinesssuccesssecrets.libsyn.com/rss SUPPORT & CONNECT SIGN UP FOR OUR NEWSLETTER HERE! Over 17,200 listeners and countinghttps://www.brandoncwhite.com/subscribe Please Support this Podcast by checking out our Sponsors: Mad River Botanicals 100% certified organic CBD products. The product is controlled from seed to end product by it's owners. Use code: EDGE22 to get 10% off all your orders. Shop here https://madriverbotanicals.com/?ref=18 EDGE Podcast. A top podcast for entrepreneurs! https://myedgepodcast.com
All about 401k cash balance plans and how they allow you to save more money than you've been told in your 401k's. About 401k Expert Matt Ruttenberg Matt Ruttenberg is a third generation financial entrepreneur, 401k expert, and CMO and Shareholder of Life, Inc. Retirement Services. He was awarded the NAPA Young Gun Top 50 under 40 in the country in the retirement plan space and educates entrepreneurs about how to navigate the 401k world and maximize their contributions and tax savings. Get Matt's help to set up or expand your company's 401k plan to start saving tax free here. https://lifeincrs.com/edge-podcast/ SIGN UP FOR OUR NEWSLETTER HERE!Over 17,200 listeners and counting https://www.brandoncwhite.com/subscribe/ EPISODE LINKS: Get FREE information about setting up your 401k plan here >>> https://lifeincrs.com/edge-podcast/ HELPFUL LINKS: How to Write a Business Plan in 13 easy to Build Slides https://brandoncwhite.com/how-to-write-a-business-plan/ PODCAST INFO: Apple Podcasts: EDGE on Apple Podcasts https://podcasts.apple.com/us/podcast/edge/id1522407349 Spotify: EDGE on Spotify https://open.spotify.com/show/7a3WcnSn9PlvwwF5hn4p4S YouTube Channel: EDGE on YouTube https://www.youtube.com/channel/UCabV9Rcw4MohWvTGr3OTzFw Website: EDGE Podcast https://MyEDGEPodcast.com RSS Feed: EDGE's RSS Feed https://buildabusinesssuccesssecrets.libsyn.com/rss SUPPORT & CONNECT EDGE's Weekly NewsletterJoin over 17,200 listeners and sign up to receive bonus content. It's free. Sign up here >>> https://www.brandoncwhite.com/subscribe/ Please Support this Podcast by checking out our Sponsors: Mad River Botanicals 100% certified organic CBD products. The product is controlled from seed to end product by it's owners. Use code: EDGE22 to get 10% off all your orders. Shop here>>> https://madriverbotanicals.com/?ref=18 EDGE Podcast. A top podcast for entrepreneurs! https://myedgepodcast.com
Beleive it or not you're kids can contribute to your 401k Plan. We talk about how to do it and how much extra you can save in your 401k. About 401k Expert Matt Ruttenberg Matt Ruttenberg is a third generation financial entrepreneur, 401k expert, and CMO and Shareholder of Life, Inc. Retirement Services. He was awarded the NAPA Young Gun Top 50 under 40 in the country in the retirement plan space and educates entrepreneurs about how to navigate the 401k world and maximize their contributions and tax savings. Get Matt's help to set up your company's 401k plan to start saving tax free here >>> SIGN UP FOR OUR NEWSLETTER HERE!Over 17,200 listeners and counting EPISODE LINKS: Get more information about setting up your 401k plan here >>> PODCAST INFO: Apple Podcasts: EDGE on Apple Podcasts Spotify: EDGE on Spotify RSS Feed: EDGE's RSS Feed Website: EDGE Podcast SUPPORT & CONNECT EDGE's Weekly NewsletterJoin over 17,000 others and sign up to receive bonus content. It's free sign up here >>> Please Support this Podcast by checking out our Sponsors: A top podcast for entrepreneurs!
Explore the latest trends in retirement services for employees, with a focus on what employee expectations are in 2022. Can a better retirement package make your business more attractive for recruitment and retention? And what is available to help your business set up their employee plans? Get answers and insights on this episode.
Learn why you need to benchmark your 401k plan for your business and how it can help you save more money. About 401k Expert Matt Ruttenberg Matt Ruttenberg is a third generation financial entrepreneur, 401k expert, and CMO and Shareholder of Life, Inc. Retirement Services. He was awarded the NAPA Young Gun Top 50 under 40 in the country in the retirement plan space and educates entrepreneurs about how to navigate the 401k world and maximize their contributions and tax savings. Get Matt's help to set up your company's 401k plan to start saving tax free here >>> SIGN UP FOR OUR NEWSLETTER HERE!Over 17,200 listeners and counting EPISODE LINKS: Get more information about setting up your 401k plan here >>> PODCAST INFO: Apple Podcasts: EDGE on Apple Podcasts Spotify: EDGE on Spotify RSS Feed: EDGE's RSS Feed Website: EDGE Podcast SUPPORT & CONNECT EDGE's Weekly NewsletterJoin over 17,000 others and sign up to receive bonus content. It's free sign up here >>> Please Support this Podcast by checking out our Sponsors: A top podcast for entrepreneurs!
It's always fun speaking with the Arends brothers about their very successful financial firm intellicents. Grant Arends, the company's Co-Founder and President of Retirement Services, also happens to be our Top Advisor by Participant Outcomes (TAPO) for the month of July, an honor long overdue. He joins us to discuss his laser-like focus on worksite financial planning, how the firm defines retirement plan success and, of course, a particular client case of which he's most proud.
This episode is specifically for people who own US government contracting businesses. 401k plans for contractors need to follow different rules and regulations, we lay it all out for you in this episode. About 401k Expert Matt Ruttenberg Matt Ruttenberg is a third generation financial entrepreneur, 401k expert, and CMO and Shareholder of Life, Inc. Retirement Services. He was awarded the NAPA Young Gun Top 50 under 40 in the country in the retirement plan space and educates entrepreneurs about how to navigate the 401k world and maximize their contributions and tax savings. Get Matt's help to set up your company's 401k plan to start saving tax free here >>> SIGN UP FOR OUR NEWSLETTER HERE!Over 17,200 listeners and counting EPISODE LINKS: Get more information about setting up your company's 401k plan here >>> PODCAST INFO: Apple Podcasts: EDGE on Apple Podcasts Spotify: EDGE on Spotify RSS Feed: EDGE's RSS Feed Website: EDGE Podcast SUPPORT & CONNECT EDGE's Weekly NewsletterJoin over 17,000 others and sign up to receive bonus content. It's free sign up here >>> Please Support this Podcast by checking out our Sponsors: A top podcast for entrepreneurs!
Do you know an effective way to grow and protect your business? In this episode, Leslie Tracey discusses the importance of risk management, retention of top talent, and building a team culture that is supportive of success. She stresses why marketing to all employees, not just the business owner is essential and provides relevant tips on how to do this effectively. Let's dive in! In the financial industry since 2017, Leslie is the founder of Tracey Donavan Insurance & Retirement Services, a boutique financial practice that specializes in personal and business financial risk management and retirement income strategies for practitioners in Medical Aesthetics nationwide. They ensure that practice owners mitigate risks to their family and business livelihood associated with disability or death which could halt the continuation of the business. Key Highlights: [00:01 - 06:41] Opening Segment [06:42 - 13:17] How to Keep Your Med Spa Running Safe and Sustainably [13:18 - 19:56] How to Succeed as a Med Spa Owner [19:57 - 26:33] How to Protect Your Practice [26:34 - 33:23] Diamond Games Media [33:24 - 39:47] Think About Your Brand [39:49 - 42:16] Closing Segment Click here to connect with Leslie's online community: https://linktr.ee/leslietracey Free download for listening to this podcast here: https://www.traceydonavan.com/10healthwealth Key Quotes: "I think it's really important to identify where your clients are coming from and start small. All the big ones are very successful. They started small." - Leslie Tracey Subscribed Yet? Now you can! Subscribe to the Patient Convert Podcast and never miss a new episode! Subscribe for emails or using your favorite podcast app via Email, Apple Podcasts, Google Play, Spotify, Stitcher, or visit my website intrepy.com Feel free to connect with me on LinkedIn, Twitter, Facebook, Instagram What We Do Check out our Healthcare Marketing Agency – Intrepy Healthcare Marketing Check out our physician liaison training platform – Physician Liaison University Leave a Rating & Review for Other Listeners! I hope that you have found this episode and any others you have listened to be helpful in your growth as a healthcare marketer or practice owner. Please consider leaving a review on one of the channels above. The best way to do that is to rate the podcast on Apple Podcasts and leave us a brief review! You can do the same on Stitcher as well. Your ratings and reviews help get the podcast in front of new listeners. Your feedback also lets me know how I can better serve you. Thanks for listening. Justin & Kelley Knott
Matt and I lay out all the benefits to having a 401k plan for your Company and how you can save a lot more than you think as a business owner. Learn how About 401k Expert Matt Ruttenberg Matt Ruttenberg is a third generation financial entrepreneur, 401k expert, and CMO and Shareholder of Life, Inc. Retirement Services. He was awarded the NAPA Young Gun Top 50 under 40 in the country in the retirement plan space and educates entrepreneurs about how to navigate the 401k world and maximize their contributions and tax savings. Get Matt's help to set up your company's 401k plan to start saving tax free here >>> SIGN UP FOR OUR NEWSLETTER HERE!Over 17,200 listeners and counting EPISODE LINKS: Get your company's 401k plan set up today >>> PODCAST INFO: Apple Podcasts: EDGE on Apple Podcasts Spotify: EDGE on Spotify RSS Feed: EDGE's RSS Feed Website: EDGE Podcast SUPPORT & CONNECT EDGE's Weekly NewsletterJoin over 17,000 others and sign up to receive bonus content. It's free sign up here >>> Please Support this Podcast by checking out our Sponsors: A top podcast for entrepreneurs!
What Makes Evolution Retirement Services a Good Neighbor...Led by Certified Financial Fiduciary® Adam Bruno, our team at Evolution Retirement Services adheres to the National Association of Certified Financial Fiduciaries' standards — no exceptions. We echo and exemplify the NACFF's mission to create a strong and safe environment where investors are assured their best interests come first.Included among the qualifications necessary for a financial professional to attain Certified Financial Fiduciary® status:Exemplify the highest standards of morals, ethics and fiduciary standards of serviceSwear to uphold the CFF code of conductPass a full background check and be in good standing with all state and federal license requirementsPass the CFF exam with a score of 75% or betterPossess a professional financial certification/designation, professional financial license (securities, insurance, accounting, etc.) or a combination of education and experience deemed satisfactory by the NACFF Advisory CouncilWhen it comes to the fiduciary standard, some advisors talk the talk. We walk the walk.To learn more about Evolution Retirement Services, go to: https://evolutionretirementservices.com/Evolution Retirement Services12500 Brantley Commons Court, Ste 3Fort Myers, FL 33907239-771-8696Support the show
We discuss what Double Dipping means and how you can use it to save more money in your company's 401k plan for yourself as a business owner. About 401k Expert Matt Ruttenberg Matt Ruttenberg is a third generation financial entrepreneur, 401k expert, and CMO and Shareholder of Life, Inc. Retirement Services. He was awarded the NAPA Young Gun Top 50 under 40 in the country in the retirement plan space and educates entrepreneurs about how to navigate the 401k world and maximize their contributions and tax savings. Get Matt's help to set up your company's 401k plan to start saving tax free here >>> SIGN UP FOR OUR NEWSLETTER HERE!Over 17,200 listeners and counting EPISODE LINKS: Get your company's 401k plan set up today >>> PODCAST INFO: Apple Podcasts: EDGE on Apple Podcasts Spotify: EDGE on Spotify RSS Feed: EDGE's RSS Feed Website: EDGE Podcast SUPPORT & CONNECT EDGE's Weekly NewsletterJoin over 17,000 others and sign up to receive bonus content. It's free sign up here >>> Please Support this Podcast by checking out our Sponsors: A top podcast for entrepreneurs!
Matt Ruttenberg joins the podcast today to discuss 401K plans, how attorneys can save for retirement using pre-tax dollars and create incentives for law firm employees to stay on board. Matt is the CMO and Director of Business Development for Life, Inc retirement services. Visit Life, Inc. online at https://401k.expert/, or you can follow them on Facebook at https://www.facebook.com/LifeIncRetirement/, or Twitter at https://twitter.com/Life_Inc_Retire. See all episodes or subscribe to the Personal Injury Marketing Minute here: https://optimizemyfirm.com/podcasts/. Transcript: Lindsey: Welcome to the Personal Injury Marketing Minute, where we quickly cover the hot topics in the legal marketing world. I'm your host, Lindsey Busfield. As the owner of a successful law firm, you want to be wise in how you invest. This means making informed decisions on how you invest in your company, as well as in your retirement. As you seek out the best ways to fund your retirement, there are seemingly infinite complex 401(k) and IRA plans. So how do you decide which plan is right for you, your employees and your firm? Matt Ruttenberg is here to discuss just that. Matt is the CMO and Director of Business Development for Life, Inc. Retirement Services. Thank you for joining us. Matt: Hey, Lindsey. Thanks. Thanks for having me. How do you choose the right retirement plan for a law firm? Lindsey: Well, ultimately, what we want to understand is how do you choose the right retirement plan for your law firm? Where do you start with that? Matt: Yeah. Yeah, so the retirement plan world is so vast. There's probably dozen different options to choose from depending on your income level, what your goals are. To narrow it down every time we have our first conversation with people, we ask them two questions. The first one is basically trying to narrow it down to at least three, maybe four options out of those dozen or so. Then the final question gets it down to one, maybe two, and then we choose from there. The first question is really broad and simple. It's, "What is your goal?" Why are you having this conversation with somebody? Is your number one goal to, or let me rephrase that, "What is your priority?" Why do you need the plan? What are you looking for? Is it to recruit and retain high quality employees or is it to stockpile for your own retirement, maybe save money on taxes or is it all of it? Because there's certain plans that check off every box they need and some of them are narrowed down to one answer or the other. Really once you get that first question, we'll bring it down to maybe two, three plans. Then the final question is, "How much do you really want to save?" How much are you as the business owner going to save? That comes down to, is it just a few hundred dollars per month because you just want to get something started or are you really trying to stockpile, like really, maybe catch up to retirement because you have not done that yet? You haven't done that to-date really started saving because you're putting all your money and all your funds back into the business, which a lot of business owners do, which is a huge investment, which is great. But then really it's getting down to, "Are we diversifying?" Let's figure this out and go from there." Lindsey: Right and those are two hugely different priorities because a 401(k) can be a great tool to incentivize and attract new employees and especially in today's market where you need to be able to offer something above and beyond what they're getting somewhere else if you really want to be attracting and retaining the right people. As we all know, a successful law firm is more than just the lawyer itself or themselves and it takes your entire village to keep your law firm running and growing and going the directions that you want and a 401(k) plan that is set up to benefit your employ...
We discuss how to implement advanced profit sharing techniques for your company's 401k plan that will allow you to save a lot of money. About 401k Expert Matt Ruttenberg Matt Ruttenberg is a third generation financial entrepreneur, 401k expert, and CMO and Shareholder of Life, Inc. Retirement Services. He was awarded the NAPA Young Gun Top 50 under 40 in the country in the retirement plan space and educates entrepreneurs about how to navigate the 401k world and maximize their contributions and tax savings. Get Matt's help to set up your company's 401k plan to start saving tax free here >>> SIGN UP FOR OUR NEWSLETTER HERE!Over 17,200 listeners and counting EPISODE LINKS: Get your company's 401k plan set up today >>> PODCAST INFO: Apple Podcasts: EDGE on Apple Podcasts Spotify: EDGE on Spotify RSS Feed: EDGE's RSS Feed Website: EDGE Podcast SUPPORT & CONNECT EDGE's Weekly NewsletterJoin over 17,000 others and sign up to receive bonus content. It's free sign up here >>> Please Support this Podcast by checking out our Sponsors: A top podcast for entrepreneurs!
108: In WTF is Financial Independence Anyway, Matt Ruttenberg, founder of SureLI Insurance, joins host William Glass to discuss financial independence and how to achieve this mythic state as an entrepreneur. Matt became frustrated after only spending 7-hours with his kid and realizing that his work was impeding his ability to be happy. Matt shares how he mapped out financial independence and a way for him to take his knowledge in the financial services industry and translate that into a business that would support a more flexible lifestyle. Follow the Silicon Alley podcast wherever you listen to podcasts. __ Visit SiliconAlleyPodcast.com to become a guest and sign-up for the newsletter. Follow on: - Instagram: http://bit.ly/SIliconAlleyIG - LinkedIn: http://bit.ly/SiliconAlleyLI - YouTube: http://bit.ly/SiliconAlleyYouTube Our Sponsors: Ostrich helps you go from being one of the 92% of people who fail to achieve their financial goals to one of the few who does. 80% of Ostrich members are on track to achieve thief financial goals. Sign up for free at https://www.getostrich.com About Matt Ruttenberg: Matt is a Financial Entrepreneur, founder of SureLI Insurance, CMO and shareholder of Life, Inc. Retirement Services and 401k expert. He sold his financial planning practice of 15 years and now has dedicated his new ventures to the Financially Independent community helping entrepreneurs reach FIRE faster. LinkedIn: https://www.linkedin.com/in/mattruttenberg/ Silicon Alley is a Financial Glass Production --- Send in a voice message: https://anchor.fm/silicon-alley/message Support this podcast: https://anchor.fm/silicon-alley/support
Learn about the Mega Backdoor 401k, how to implement them in your company and save big...tax free. About 401k Expert Matt Ruttenberg Matt Ruttenberg is a third generation financial entrepreneur, 401k expert, and CMO and Shareholder of Life, Inc. Retirement Services. He was awarded the NAPA Young Gun Top 50 under 40 in the country in the retirement plan space and educates entrepreneurs about how to navigate the 401k world and maximize their contributions and tax savings. Get Matt's help to set up your company's 401k plan to start saving tax free here >>> SIGN UP FOR OUR NEWSLETTER HERE!Over 17,200 listeners and counting EPISODE LINKS: Get your company's Mega Backdoor Roth 401k plan set up today >>> PODCAST INFO: Apple Podcasts: EDGE on Apple Podcasts Spotify: EDGE on Spotify RSS Feed: EDGE's RSS Feed Website: EDGE Podcast SUPPORT & CONNECT EDGE's Weekly NewsletterJoin over 17,000 others and sign up to receive bonus content. It's free sign up here >>> Please Support this Podcast by checking out our Sponsors: A top podcast for entrepreneurs!
Learn about Safe Harbor 401k's and how to implement them in your company to save money for retirement.About 401k Expert Matt Ruttenberg Matt Ruttenberg is a third generation financial entrepreneur, 401k expert, and CMO and Shareholder of Life, Inc. Retirement Services.He was awarded the NAPA Young Gun Top 50 under 40 in the country in the retirement plan space and educates entrepreneurs about how to navigate the 401k world and maximize their contributions and tax savings.Get Matt's help to set up your company's 401k plan to start saving tax free here >>>EPISODE LINKSGet your company's 401k plan set up today >>>Other Great Podcasts From the Best Podcasts NetworkOn Business Podcast On Business Podcast is an unscripted, brutally honest, candid, sometimes ugly, conversation about running businesses & successful companies, for aspiring entrepreneurs, current startups, or experienced business owners looking to elevate their business. https://OnBusinessPodcast.comMARKETING PodcastThe MARKETING podcast brings you marketing science, case studies that reveal successful marketing techniques and teach strategic marketing analysis where we model the data and turn it into financial forecasts so you have predictable revenue.Brandon can't promise you instant marketing success after each episode. But...he guarantees that you will find each MARKETING episode always reliable, always actionable, and always useful for your marketing efforts. https://podcasts.apple.com/us/podcast/marketing/id1653276478
It might sound like a good thing to get a refund check, but not from your 401k company program. A refund check means that money gets taxed and doesn't grow tax free. Matt explains how to fix that. About 401k Expert Matt Ruttenberg Matt Ruttenberg is a third generation financial entrepreneur, 401k expert, and CMO and Shareholder of Life, Inc. Retirement Services. He was awarded the NAPA Young Gun Top 50 under 40 in the country in the retirement plan space and educates entrepreneurs about how to navigate the 401k world and maximize their contributions and tax savings. EDGE's Weekly NewsletterJoin over 17,000 others and sign up to receive bonus content. It's free sign up here >>> PODCAST INFO: Apple Podcasts: EDGE on Apple Podcasts Spotify: EDGE on Spotify RSS Feed: EDGE's RSS Feed Website: EDGE Podcast SUPPORT & CONNECT EDGE's Weekly NewsletterJoin over 17,000 others and sign up to receive bonus content. It's free sign up here >>> Please Support this Podcast by checking out our Sponsors: Mad River Botanicals 100% certified organic CBD products. The product is controlled from seed to end product by it's owners. Use code: EDGE22 to get 10% off all your orders. Shop here>>> A top podcast for entrepreneurs!
We talk about why control groups are important to understand when you are setting up your company's 401k plan and how to set up your 401k plan correctly. Matt Ruttenberg is a third generation financial entrepreneur, 401k expert, and CMO and Shareholder of Life, Inc. Retirement Services. He was awarded the NAPA Young Gun Top 50 under 40 in the country in the retirement plan space and educates entrepreneurs about how to navigate the 401k world and maximize their contributions and tax savings. EDGE's Weekly NewsletterJoin over 17,000 others and sign up to receive bonus content. It's free sign up here >>> PODCAST INFO: Apple Podcasts: EDGE on Apple Podcasts Spotify: EDGE on Spotify RSS Feed: EDGE's RSS Feed Website: EDGE Podcast SUPPORT & CONNECT EDGE's Weekly NewsletterJoin over 17,000 others and sign up to receive bonus content. It's free sign up here >>> Please Support this Podcast by checking out our Sponsors: Mad River Botanicals 100% certified organic CBD products. The product is controlled from seed to end product by it's owners. Use code: EDGE22 to get 10% off all your orders. Shop here>>> *We respect your privacy and hate spam. We will not sell your information to others.
Matt Ruttenberg is a financial entrepreneur and 401k expert. His company builds custom 401k plans for entrepreneurs and small businesses of all sizes. He's the CMO and shareholder of Life, Inc. Retirement Services and founder of SureLI Insurance. https://sureli.co/ tiktok.com/@mruttenberg
In this episode, Jeff chats with Matt Ruttenberg of Life Inc. Retirement Services, who shares some eye-opening insights about tax deferred investment plans for self employed individuals, as well as real estate investors who also work a 9 to 5 "day job". Topics:The difference between an IRA and a 401kHow to create a self-directed IRAHow to create a self-directed 401kThe maximum contribution limits of IRAs and 401ksHow to increase your retirement contribution limitsHow to invest in real estate inside a self-directed IRA or 401kLinks:Matt's blog post on 401k Plans for Real Estate InvestorsLife IncorporatedRetirement Plan Evaluator - Learn which retirement plan is best for your business.Contact Info:Matt Ruttenberg Chief Marketing OfficerDirector of Participant EducationLife, Inc. Retirement Services614-396-7652 | 239-989-3808matt.ruttenberg@lifeincrs.com 401k.expert 100 E. Campus View Blvd, Ste # 250Columbus, OH 43235
Matt explains how business owners can maximize their 401k options for themselves and their employees. Matt is a 3rd generation financial entrepreneur, 401k expert, and CMO and Shareholder of Life, Inc. Retirement Services. He was awarded the NAPA Young Gun Top 50 under 40 in the country in the retirement plan space and educates entrepreneurs about how to navigate the 401k world and maximize their contributions and tax savings. -------------------------------------- Sign up here for the EDGE's Weekly Newsletter and get BONUS material. It's FREE! -------------------------------------- Please Support this Podcast by checking out our Sponsors: Mad River Botanticals 100% certified organic CBD products. The product is controlled from seed to end product by it's owners. Use code: EDGE22 to get 10% off all your orders. Shop here>>> EPISODE LINKS: Matt's 401 k Site Matt on TikTok PODCAST INFO: Apple Podcasts: EDGE on Apple Podcasts Spotify: EDGE on Spotify RSS Feed: EDGE's RSS Feed SUPPORT & CONNECT Sign up for the EDGE's Weekly Newsletter and get all the BONUS material. It's FREE! EDGE Weekly Newsletter >>> Twitter: Follow Brandon on Twitter Instagram: Follow Brandon on Instagram LinkedIn: Follow Brandon on LinkedIn *We respect your privacy and hate spam. We will not sell your information to others.
On this episode of Investing in You, Michael sits down with Kotchi Prosper: Director of Investment & Retirement Services, and Cary Tonne: Senior Vice President of Information Security, to discuss cryptocurrency, it's rise in popularity, the technology that underlies it, and how to approach investing in it.
Alex Rasmussen is a Financial Advisor and the Manager of Investment and Retirement Services for the LBL Group in Santa Ana, CA. She is extremely knowledgeable about the world of retirement plans and she is a strong and successful woman in the male-dominated financial services industry.Alex is a straight talker and an expert at taking complex subjects and making them understandable for people from all walks of life.Not only is she dedicated to helping young and minority individuals enter the rewarding world of Financial advising but she also has a prodigious talent that you will find out more about in this fun and lively interview.What you will learn from this episode:Why you, as an Aligned Woman need to become more financially literate and how Alex can make that simple to achieveThe get rich slow program that Amy just loves6 smart questions that anyone interested in a career in finance should ask The amazing cultural initiatives that Alex lends her talents toConnect with Alex Rasmussen:arasmussen@lblgroup.comLinkedIn: https://www.linkedin.com/in/alex-rasmussen-aif%C2%AE-cpfa-a201069a/https://www.akomidance.com/
A conversation with City of Dallas CIO, Bill Zielinski. Bill came to Dallas in June 2020 as the pandemic was spreading throughout the country. After some 30 years of federal government service he decided to apply his leadership and knowledge skills in a city environment. He held some very senior positions at the federal levels including GSA – Assistant commissioner for IT category and before that Deputy Assistant Commissioner for Category Management; OMB -Branch Chief for Agency Oversight; Social Security Administration, CIO; and OPM, Associate for Retirement Services. Learn through this fascinating conversation what it is like to move from the federal side to local government – the opportunities and the downsides.
Alex Assaley is the managing principal at AFS 401(k) Retirement Services, LLC. In his role, he makes complex retirement plans simple for employers by helping them navigate the myriad of regulatory and oversight requirements. Alex does not need any introduction in the advisory space, having been named as one of NAPA's top retirement plan advisors under 40. Today he joins the show to discuss how the fiduciary advisor role has evolved over the years and his reasoning for staying independent in the midst of the current M&A environment.Listen in as we talk about the financial wellness offering Alex and his team created, as well as the battle for employee advice and who is in the best position to deliver it. You will hear advice for general practice management, how to segment clients based on size and scope, and Alex's strategic priorities for his team and clients.
Mark Overberg, Director of Army Retirement Services, takes a deep dive into all the services and resources available to soldiers and families who are getting ready to retire. This must listen discussion provides a wide array of important information critical to anyone who want to make that process a little easier to navigate.
Have you checked out the Soldier For Life website yet? If you haven't, you're missing out!This week Mike and Trevor talk to Mark Overberg about how he prepares 30,000 soldiers to retire every year, and continues to support over 1,000,000 retired soldiers and 250,000 surviving spouses. Mark is a retired Army veteran and is currently the Director of the U.S. Army's Retirement Services. He also manages the Soldier For Life, My Army Benefits, and My Air Force Benefits websites.Connect with Mark on LinkedIn and learn more about the great things he's doing for retired soldiers.Want to come on the show? We would love to learn from you!Connect with Mike and Trevor on LinkedIn, or shoot them an email at mike or trevor @get2vet.net, subscribe to our show on Apple & Google podcasts and Spotify, and don't forget to follow the Get 2 Vet Podcast and Community LinkedIn page.Enjoy the show and let us help you Get 2 Vet!
Chief Investment Officer Troy Harmon, CFA, CVA, is joined by Managing Associate K.C. Smith, CFP®, CEPA, and Justin Wagner, AIF®, Client Relationship Manager for Retirement Services, to take a closer look at a couple who realized that it is possible to fail at retirement. Justin and K.C. highlight some of the mistakes and pitfalls retirees make that could derail their financial security in their golden years. Read the article: https://www.henssler.com/failure-to-plan-could-result-in-a-failure-in-retirement
This week on “Money Talks,” Chief Investment Officer Troy Harmon, CFA, CVA, is joined by Managing Associate K.C. Smith, CFP®, CEPA, and Justin Wagner, AIF®, Client Relationship Manager for Retirement Services, to cover the week's market movements and the final reading of first quarter 2021 GDP. The financial experts also take a closer look at a couple who realized that it is possible to fail at retirement. Justin and K.C. highlight some of the mistakes and pitfalls retirees make that could detail their financial security in their golden years. The show hosts also address listeners' questions on converting to a Roth IRA after age 50 and what to do with cash in your investment account.
In episode 29 of Revamping Retirement, Jennifer Doss and Scott Matheson are joined by Jenny Eller, Principal at Groom Law Group and co-head of the firm's Retirement Services and Fiduciary Practice. Jenny shares her perspective on plan sponsor considerations for selecting a nondiscretionary or discretionary advisor, the reasons behind the trend towards 3(38) investment manager discretionary services, and how outsourcing investment responsibilities can impact—or even mitigate—risk in this litigious environment. In Minute with Mike, Mike Webb shares what plan sponsors need to know about pooled annuities. Later, Jon Meyer, CAPTRUST's Chief Technology Officer, provides some actionable steps that retirement plan sponsors can take to protect themselves and their participants from cybersecurity threats.
With a total of roughly $1.7 trillion, student loan debt is a major issue for many Americans. Whether or not it’s an actual impediment to retirement saving, participants often believe it is, acting as a phycological hurdle that often prevents them from saving.We turn to the one and only Alex Assaley for insight. Alex is managing principal with AFS 401(k) Retirement Services, our overall Top Advisor By Participant Outcomes for 2018, and also president-elect of the National Association of Plan Advisors.We talk about student loan debt and what to do about it, as well the exciting things the NAPA 401(k) Summit has planned for this year in Las Vegas. Alex joins us right after these messages.Sponsored by Capital Group, home of American Funds Target Date Retirement Series. If you think every target date fund can deliver the same long-term results, let’s retire that thinking.Sponsored by Capital Group, home of American Funds Target Date Retirement Series.If you think every target date fund can deliver the same long-term results, let’s retire that thinking.
Pacific Retirement Services (PRS) was in talks with eight different universities last year when the pandemic hit, putting forward progress on ice. But the Medford, Oregon-based organization's new CEO, Eric Sholty, believes demand for these types of projects will come back when conditions in the senior living industry return to normal. In addition to its portfolio of 12 CCRCs, PRS is looking for smaller, single-site providers seeking to affiliate as a result of the pandemic’s pressures. And the organization also plans to grow its portfolio of 25 community housing properties that serve low-income adults. In this episode of Transform, learn: - How PRS is building census at its new Mirabella at ASU community on the campus of Arizona State University in Tempe - Why university-backed senior living projects could make a comeback after the pandemic - When Sholty believes a wider senior housing recovery will take hold - What the organization is focused on in terms of growth in 2021
Kotchi Prosper, Director of Investment & Retirement Services at Affinity Plus, discusses how to approach investing when first starting out, what to look for in a partnership with an investment advisor, and how to remain calm during the ups and downs of the market.
This week on “Money Talks,” Chief Investment Officer Troy Harmon, CFA, CVA, is joined by Managing Associate Shawna Theriault, CPA, CFP®, CDFA®, and Client Relationship Manager for Retirement Services, Justin Wagner, AIF®, to discuss the relatively flat week and how the market is closely watching COVID cases as well as stimulus talks. The experts explore a client situation of a multigenerational home and the complicated estate plan they created. The hosts round out the show answering listeners’ questions on creating tax-free income in retirement and making tactical moves in your 401(k).
This week on “Money Talks,” Chief Investment Officer Troy Harmon, CFA, CVA, is joined by Managing Associate Shawna Theriault, CPA, CFP®, CDFA®, and Client Relationship Manager for Retirement Services, Justin Wagner, AIF®, to discuss the relatively flat week and how the market is closely watching COVID cases as well as stimulus talks. The experts explore a client situation of a multigenerational home and the complicated estate plan they created. The hosts round out the show answering listeners’ questions on creating tax-free income in retirement and making tactical moves in your 401(k).
Chief Investment Officer Troy Harmon, CFA, CVA, is joined by Managing Associate Shawna Theriault, CPA, CFP®, CDFA®, and Client Relationship Manager for Retirement Services, Justin Wagner, AIF®, to explore a client situation of a multigenerational home and the complicated estate plan they created where an “equal” division of assets may not be equitable.
Chief Investment Officer Troy Harmon, CFA, CVA, is joined by Managing Associate Shawna Theriault, CPA, CFP®, CDFA®, and Client Relationship Manager for Retirement Services, Justin Wagner, AIF®, to explore a client situation of a multigenerational home and the complicated estate plan they created where an “equal” division of assets may not be equitable.
Are you wondering about payments after death? Do you need clarity on primary and secondary beneficiaries? Do you have questions about sick leave and receiving your benefit check? Listen as we dive into our Retirement Services Division and get all of your questions answered. Join us as we continue our discussion of beneficiaries with Jennifer Alridge in this podcast. We also sit down with Master Payroll Operations Manager, Evangeline Griffin to discuss pension checks, sick leave credit, IRS levy, bankruptcies, recalculations, and so much more!! --- Send in a voice message: https://anchor.fm/trs-ga/message
Are you wondering about payments after death? Do you need clarity on primary and secondary beneficiaries? Do you have questions about sick leave and receiving your benefit check? Listen as we dive into our Retirement Services Division and get all of your questions answered! Guests: Cory Buice, Jennifer Alridge, Evangeline Griffin Host: Everett Crockett --- Send in a voice message: https://anchor.fm/trs-ga/message
Did you know that you can use your IRA funds to make alternative investments in your retirement portfolio? If you are like 98% of investing Americans, the answer is no. In today's episode of The Yield host Joe DiDomenico, the Director of Retirement Services at Yieldstreet is joined by Tim Berry, Tax Attorney & Self-Directed IRA Specialist, to discuss IRS rules and regulations for IRAs and how alternatives can be eligible IRA investments. The Yieldstreet IRA can help you diversify your retirement portfolio by giving you access to alternative investments across multiple asset classes, and the guest on today's episode is going to show you how.Key Takeaways:[:50] Joe DiDomenico introduces Tim Berry and the topic of using your IRA to make alternative investments.[2:39] Why do only 2% of retirement plan assets in the US include alternative investments? [6:34] The Yieldstreet IRA account offers a more streamlined and readily available investing process.[10:06] IRS rules and regulations for IRAs and alternative eligible investments that can be purchased with an IRA account.[12:16] Details for buying an asset with funds that are borrowed from an IRA account.[14:40] Is it possible to invest in a traditional IRA and then convert it to a Roth IRA? [15:43] The prohibited transactions rule and how it affects doing business within families.[19:25] Examples of large endowment investors and the value of asset protection in retirement plans.[22:43] IRA lending requirements and options for creative investing opportunities. [28:23] How to overcome the overall lack of knowledge for the common investor about IRA investing.[32:44] Is it possible to set up a self-directed IRA after the money has already been pulled out?[33:55] Will Yieldstreet allow investments into Yieldstreet investments with a self-directed IRA non-Yieldstreet custodian? Or with inherited IRAs? [37:12] Is art an investment option with self-directed IRA funds? What is the time and cost to open up an IRA? [38:55] Beyond Yieldstreet, where can you find advice on self-directed IRA investing?[39:33] Can vested founder stock be sold by a founder into their own IRA account?[41:30] How to open up a traditional or Roth IRA account through Yieldstreet.[42:48] Tim's final words on the value of investing in self-directed IRA accounts.Mentioned in This Episode:YieldstreetYieldstreet IRA
Join Ross for a conversation with Alex Assaley, Managing Principal of AFS 401(k) Retirement Services. Alex is considered a “young” advisor in an industry where the average age of an advisor is 54. Yet Alex is no rookie. With over fifteen years in the business, he has guided his firm from startup through successful growth and expansion. How did a tragic event in Alex's past lead him to his passion? How did he grow his firm so quickly? Where has he seen the biggest expansion opportunities? What can a solo advisor do if he does not have a team to bounce around ideas, challenge decisions or provide feedback? Will robo-advisors replace financial advisors? What has Alex found to be the biggest challenge to acquiring new business, and has he overcome it? What does he think is the biggest shortcoming in the 401(k) industry, and how is that beginning to evolve? And what does piano playing have to do with the delivery of financial wellness? Tons of insight from one of the industry's top 401(k) advisors!www.afs401k.com
Sheryl LaPlace, Insperity (North Fulton Business Radio, Episode 278) Sheryl LaPlace, Insperity, joins host John Ray to discuss why a PEO can offer welcome relief for a small to medium-sized company seeking to streamline their internal administrative burden while offering enhanced benefits for their employees. “North Fulton Business Radio is produced virtually by the North […] The post Sheryl LaPlace, Insperity appeared first on Business RadioX ®.
In today's episode of The Yield host Joe DiDomenico, the Director of Retirement Services at YieldStreet is joined by Private Wealth Investor Jim Bennett from Ameriprise Financial Services to discuss the many considerations of tax-efficiency wealth management. Their topics include how to best engage your retirement plan funds and consider your investments with tax efficiency in mind. Jim explains the three buckets of investing that every savvy investor needs to diversify into, the main considerations of short- and long-term investing in stocks or a 401k, IRA, or Roth IRA, and shares other considerations for tax-efficient investing that will maximize your portfolio and put your money to work.Key Takeaways:[:50] Introducing Jim Bennett and the topic of tax-efficient wealth management.[3:37] Beginning principles to consider when looking at overall wealth management, from today's investments to tomorrow's retirement.[5:45] How important is tax efficiency in wealth management?[7:00] You can achieve the perfect financial portfolio if it includes investments in these three buckets.[10:07] The benefits of diversifying your wealth into taxable, tax-deferred and tax-free investments.[12:48] A look at capital appreciation and the main differences between long- and short-term capital gains and other income-producing assets.[15:34] Understanding the impact of the CARES act and how it can affect your approach to borrowing from your retirement funds and deferring taxes.[17:16] How to approach your investments and taxes if you are in the top income bracket.[18:27] The benefits of rolling your 401k plan into an IRA versus leaving it with your previous employer.[20:36] Other considerations for tax-efficient investing including Roth conversions, after-tax contributions to your 401k, and in-service distributions.[23:10] Factors that will impact traditional IRA funds and Roth conversions, including your age and tax bracket.[25:44] Under what circumstances are cash value life insurance policies a good idea?[27:49] What are the best alternative options to putting money into tax-deferred accounts? Ideas for balancing your entire financial portfolio, including a healthy cash reserve and retirement savings.[30:35] How to encourage your employer to adopt a 401k plan or 401k Roth option.[31:25] Guidelines and warnings for contributing to an IRA after maxing out your 401k contributions.[34:10] What are the first and main questions that a financial planner will ask their clients?[36:05] How to transfer existing alternative fund investments from a brokerage account into a Roth IRA or 401k.[36:42] Considerations for self-directed IRAs and advice for every type of investor.Mentioned in This Episode:YieldstreetAmeriprise
LTC Olivia Nunn sits down with the U.S. Army Director of Retirement Services, Mr. Mark Overberg. Mr. Overberg and his team are the subject matter experts on all things Army Retirement planning and policies. Mr. Overberg discusses with LTC Nunn how a Soldier should begin their retirement process 24 months prior to their final date in the Army.
On this show, we talked about behavioral finance, living your best life and the importance of reducing complexity to be more financially successful with Alex Assaley, AIF and Principal and lead advisor with AFS 401(k) Retirement Services. Listen to learn how the fundamentals of personal finance can help your 401(k) account balance! For the Difference Making Tip, scan ahead to 15:43! You can learn more about Alex at MoneyNav.com and LinkedIn. Interested in starting your own podcast? Click HERE Please subscribe to the show however you’re listening, leave a review and share it with someone who appreciates good ideas. You can learn more about the show at GeorgeGrombacher.com, Twitter, LinkedIn, Instagram and Facebook or contact George at Contact@GeorgeGrombacher.com. Check out Money Alignment Academy as well!
We talk to John Natale from the AVP of Tax and Retirement Services at Manulife Financial about what you really need to know about death and taxes.
Terry Dunne Managing Director - Retirement Services at Millennium Trust Company is interviewed in this episode. Terry has over 40 years of sales and marketing experience in the financial services industry. Follow Adam on Instagram at Ask Adam Torres for up to date information on book releases and tour schedule. To apply to become a featured co-author in one of Adam's upcoming books visit https://www.moneymatterstoptips.com/become-an-author --- Support this podcast: https://anchor.fm/moneymatters/support
When it comes to creating financial goals, make sure you’re creating the right goals for YOU and the ideal life you want to have for you and your loved ones —this is how to create success on your own terms! Our guest Jennifer Davis-Papa Vice President of Retirement Services for Chemical Bank talks with us about the importance of financial literacy. Jennifer brings 20+ years in the financial industry in one form of another, with a passion for business she built a career around what interested her. With a 4 year old son, and 2 fur babies motherhood was not always the plan. As a mother who waited awhile to start her family, she also teaches us that it’s never too late to invest in yourself. Jennifer offers a wealth of knowledge and tips behind retirement, 401K and to “Pay yourself first, mama!”
This week on "Money Talks," Senior Associate Jarrett McKenzie, CFP®, CWS®, and Justin Wagner, AIF®, a Client Relationship Manager in our Retirement Services division, join Chief Investment Officer Troy Harmon, CFA, CVA, to discuss the week’s rocky market movements. They cover the Federal Open Market Committee minutes from their last monetary policy meeting and the effect of rising interest rates. Justin and Jarrett discuss a case study around a couple who have several misconceptions regarding their 401(k) accounts and how much they should be saving. The hosts round out the show with some listeners’ questions on purported "buy and hold forever" stocks, in-plan Roth 401(k) conversions, and what to avoid when shopping long-term care insurance.
This week on "Money Talks," Senior Associate Jarrett McKenzie, CFP®, CWS®, and Justin Wagner, AIF®, a Client Relationship Manager in our Retirement Services division, join Chief Investment Officer Troy Harmon, CFA, CVA, to discuss a couple who have been saving the bare minimum to their 401(k) accounts and how much they should really be saving.
Do the largest 0.1% of workplace retirement plans in the country or the “Mega Plans” do things the same as the other 99.9% of plans? As you will hear from my guest, Charlie Nelson, CEO of Retirement & Employee Benefits of VOYA Financial, sometimes they do, sometimes they don’t. I had a few technical issues and distractions on my end to deal with right before we got started but once we got going this is a fast paced conversation where we hit on some topics things you might expect us to talk about when it comes to what mega retirement plans trends, but we also delve into on a few important topics you might not be thinking about like helping employees figure out what the next best financial decision for them is, whether the prevalence of 401(k) lawsuits in large plans influence their decision making and how some trends in the large market are actually influenced by the small market. Guest Bio Charles Nelson is chief executive officer of Retirement and Employee Benefits for Voya Financial, Inc. (NYSE: VOYA), which helps Americans plan, invest and protect their savings — to get ready to retire better. In his role, Nelson oversees Tax-Exempt and Corporate Markets and Retail Wealth Management, which comprise the company’s workplace and individual retirement businesses, including 401(k), 403(b) and 457 plans, as well as its Employee Benefits business. Prior to joining the company, Nelson served as president of Retirement Services for Great-West Financial through September 2014 and most recently led the legacy Great-West retirement business of Empower Retirement, a business unit of Great-West Life & Annuity Insurance Company. Nelson has more than 30 years of leadership experience in the retirement and employee benefits industry. He was named the second most influential player in the 401(k) market, according to the 401(k) Wire’s 2012 Most Influential ranking list. During his career, Nelson has managed all aspects of defined contribution businesses. He has overseen government, healthcare, nonprofit, 401(k) and FASCore institutional lines of business, while also managing recordkeeping, administration, operations, sales, products, financial results and broker-dealer services. Nelson began his career at Great-West in the employee benefits business marketing retirement plans, healthcare, stop loss and various benefit offerings. Nelson is a graduate of Whitman College with a degree in chemistry and economics, and he was a member of the Whitman College Board of Overseers from 2008 to 2017. Nelson served as the past president of the board of directors for The SPARK Institute, a trade institute that represents the entire spectrum of defined contribution service providers. He has also been a member of the National Association of Government Defined Contribution Administrators (NAGDCA) since 1985. As a member, Nelson has contributed articles for publication, participated on a number of committees, and spoken at numerous regional and national conferences to support and assist the organization’s efforts to further the industry. 401(k) Fridays Podcast Overview Struggling with a fiduciary issue, looking for strategies to improve employee retirement outcomes or curious about the impact of current events on your retirement plan? We've had conversations with retirement industry leaders to address these and other relevant topics! You can easily explore over one hundred prior on-demand audio interviews here. Don't forget to subscribe as we release a new episode each Friday!
I’m going to lay down some truth here, people. Listen closely, especially the fellas. In your life, you may find yourself in a position of power or in a situation where someone is vulnerable to your actions. When you find yourself in this position, it’s important that you remember to do one thing: Don’t rape people. I know it’s easy to forget. We live busy lives, working long hours, spending time with family, and wasting so much more time bingeing Netflix episodes of Stranger Things, or spending hours and hours refreshing our Facebook feeds, hoping to get ahold of some of those juicy thumbs up. Or is it up thumbs? But among this busy life, you must find it in you to push through those urges to rape, coerce, or exploit vulnerable individuals into sexual situations. The damage you can do to another individual in such a situation can be life altering. Recently, many prominent men in positions of celebrity or political power, including comedians such Louis C.K. and Al Franken, have been accused by large swathes of women of sexual misconduct and sexual assault. Just today, Al Franken announced his resignation from the Senate amid these sexual allegations. Come on, guys! It is important to know when you are in a position of power so that you may be more vigilant to not exploit that power. Many professions, such as prison guards, police, and medical professionals understand how much power they have over the individuals they work with and serve, and because of this knowledge they have codes of ethics and rules in their professions that give them guidelines on how NOT to exploit those individuals. Yes, we have to tell these professionals not to do it. We had to make it a rule for a reason. Comedians have very few rules of the trade and many comedians are notorious for being rulebreakers when it comes to drugs and other taboo topics, but on this topic, they need to stand up and find it in their hearts to not rape people. They also should probably not kill people as well. No one likes to die. Which brings us to this week’s main topic: Death! While we do talk about the sexual misconduct of celebrities this episode, the main topic is about death from a legal standpoint and estate planning. Our guest Martha Burhardt, a lawyer, not only explains what a trust is, but she also shares some insight on how she deals with the taboo topic of death with her clients. Next week, Dr. David J. Ley Ph.D. will be joining us to discuss the myth of sex addiction and Ethical Porn for Dicks. We're pretty excited to have him join us. He is a clinical psychologist and has been featured on Dr. Phil As an aside, this is actually our sixtieth episode. We have been doing this podcast for over a year now. We have enjoyed having so many amazing guests and we look forward to having many more in the future. After next week's episode, we will be taking a break to rest and relax and enjoy the holidays. We hope to see you next week and again in the new year, 2018. About Our Guest: Martha Burkhardt - Burkhardt Law Firm - www.burkhardtlaw.com/blog Martha graduated from Dominican University and University of Missouri-Columbia School of Law. Post-graduation she proceeded to a positionwith Pension and Retirement Services. During that time she realized thatmany families and individuals need help understanding their estateplanning options and how they may impact the family’s future. Her goalhas become to fill the gap in knowledge that nearly all families findintimidating and confusing so that they may protect their future. About Us: Angela Skurtu is a licensed marriage and family therapist and an AASECT certified sex therapist. She is a published author, with her second book releasing in February. About Sex now livestreams episodes on YouTube a week before the podcast episodes come out. If you just can't wait to listen, the livestream goes out a week before the podcast releases. Check us out at our new YouTube Channel. // Visit us at: www.aboutsexpodcast.com // Get marriage therapy and sex therapy in the St Louis area with Angela Skurtu LMFT M.Ed., a Licensed Marriage and Sex therapist at: www.therapistinstlouis.com Also, we have facebooks and twitters and all that stuff, but if you read this far i seriously doubt you have time to read any more. Facebook: Angela Skurtu LMFT, M. Ed, AASECT Certified Sex Therapist // Joshua Skurtu
We collectively in the business world (and here at WorkXO for sure), think and write and observe and opine about generations a lot, but always with a particular focus on Millennials (as you know we wrote a book about their impact on the workplace). So in this episode of the Culture Chat, we wanted to talk to someone who could address the other side of the equation - baby boomers - but specifically around the idea of baby boomers working much longer, how they want to transfer their deep and historical knowledge inside the workplace, and how corporate culture could build in different kinds of structures for sharing experiences in both directions between older and younger generations. Listen to this conversation with Alex Assaley, CEO of AFS 401(k) Retirement Services. Our big question for today's conversation was, "In what ways will Baby Boomers working longer have an impact on today's workplace?"
Episode Description As we sit here just past the midpoint of 2016, the 401(k) industry continues to get a lot of attention in the media, with regulators and certainly from employers and their employees. However, what is not talked about very much is how the business of being a record keeper works and what employers should understand about the business models of their service providers. To help shed some light on this topic, I invited Bill Yoerger, President of OneAmerica Retirement Services. Bill is a 30 plus year industry veteran, who runs the corporate retirement division of OneAmerica that supports over 1 million participants, has over 800 employees and has completed three acquisitions over the last five years. Bill is also included as a perennial member of the most influential people in the retirement industry. During our conversation, you will hear him share some candid thoughts on the different business models record keepers utilize, questions all employers should be asking their service providers and key topics and trends employers should pay attention to that could impact their retirement service providers going forward. Guest Bio Bill is the President of the OneAmerica Retirement Services Division of the American United Life Insurance Company (AUL). He is responsible for the leadership, coordination, and guidance to all Retirement Services operations including sales, marketing, record-keeping, and administration functions. He joined AUL in 1993 as a Regional Vice President after a successful career selling retirement plans and services for CIGNA. Prior to his sales career there, he was a Group and Pension Representative for Principal Financial Group in the Cleveland area. Most recently, he was Senior Vice President of AUL’s Retirement Services division. Bill received his B.S. in Business Administration at The Ohio State University Professional Designations and Associations: Former chair, LIMRA Retirement Investment Committee Member, SPARK Institute Member, Retirement Services Roundtable 401(k) Fridays Podcast Overview Welcome to the 401(k) Fridays Podcast, where employers come to learn and retirement industry leaders come to share their unique stories, experiences and perspectives. My name is Rick Unser, and I am your host. Each episode leverages my nearly two decades of experience as a retirement consultant and features a candid interview with an industry expert to help enhance fiduciary protection, streamline plan operations or improve participant retirement readiness. For more information please visit www.401kfridays.com
With the market going crazy this week, John and Janet talk about the facts of corrections in the market and why we don't believe another 2008 is right around the corner.
A panel of executives speaks about their experience in the Mutual Funds Management and Alternative Investments at the JobSmart Career Hour sponsored by the Executives On Campus program. Panelists include: Alain Michnik, Vice President and Director of Retirement Services at Ryan Beck & Co.; and Steven Chrust, Manager and Senior Principal of Steven G. Chrust Advisory Services. Yvell Stanford, Director of Executives on Campus, gives the opening remarks. The event takes place on October 6, 2009, at the Baruch College Vertical Campus, Room 14-245.
A panel of executives speaks about their experience in the Mutual Funds Management and Alternative Investments at the JobSmart Career Hour sponsored by the Executives On Campus program. Panelists include: Alain Michnik, Vice President and Director of Retirement Services at Ryan Beck & Co.; and Steven Chrust, Manager and Senior Principal of Steven G. Chrust Advisory Services. Yvell Stanford, Director of Executives on Campus, gives the opening remarks. The event takes place on October 6, 2009, at the Baruch College Vertical Campus, Room 14-245.
Host: Larry Kaskel, MD Guest: Clare Bergquist Dr. Larry Kaskel is joined by Clare Bergquist, Director of Strategic Services for Corporate & Retirement Services at Charles Schwab. Clare discusses special considerations and key challenges physicians face when saving for retirement.
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