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What is a DB(k)? Basically, a DB(k) combines a pension plan with a matching 401(k) plan. As the name implies, it is a defined benefit retirement plan with some of the features of a 401(k).
Tags: 401, 401 K Plans, Benefit Plans, Benefit Retirement Plan, Business Paperwork, Chris Mayer, Defined benefit pension plan, Defined Benefit Retirement, Defined Benefit Retirement Plan, Economics, Employee benefit, Employment, Employment compensation, Finance, Financial services, Form 5500, Group Vice President, Hybrid Retirement Plans, Internal Revenue Code, Internal Revenue Service, Investment, Labor, Mom And Dad, Neat Tool, Pension, Pension Income, Pete Mitchell, President Chris, Principal Financial Group, Profit Margins, Recruiting Tools, Retirement, Retirement Plan Option, Retirement Savings, Social Issues, the Washington Post, The Washington Post Company, Washington Post
What does a financial planner do? Well, that depends. Many individuals refer to themselves as “financial planners”, but not all perform true multidisciplinary financial planning. Investment, insurance and tax professionals sometimes specialize in certain areas of financial planning (such as retirement planning, estate planning, tax planning, or investment management).
Tags: Big Picture, commission-based planner, Fee Structure, fee-based planner, Fee-Only financial advisor, Finance, Financial advice, Financial Planner, Financial Planners, Financial Planning, Financial services, Financial Situation, Insurance Options, Investment, Investment Insurance, Investment management, Management Methods, Money Management, National Association of Personal Financial Advisors, Paycheck To Paycheck, Personal finance, Pete Mitchell, planner, Retirement, Retirement Fund, Retirement Planning, Risk Management, Spending Habits, Tax Planning, Tax Professionals, Tricky Question
What’s an IPS? An investment policy statement, or IPS, is the foundation of a good investment strategy. It gives you an overview of the whole investment plan: the asset allocation, the objectives, the asset management approach and the ground rules for communication between you and your advisor.
Tags: Acceptable Level, advisor, Asset Allocation, Asset Classes, Conservative Investor, Finance, financial advisor, Financial economics, Financial services, Investment, Investment management, Investment Markets, Investment Plan, Investment Policy Statement, Investment Strategy, Investment Style, Liquidity Requirements, Management Approach, personal financial advisor, Pete Mitchell, Portfolio, Preferred Investment, Quarte, Quarterly Reviews, Risk Tolerance, Small Cap Stocks, Small Caps, Time Horizon, United States, Ups And Downs, Value Investor
Alternatives for interesting times. The last 18-24 months have been wild ones on Wall Street, and the volatility has motivated some sophisticated investors to look into non-correlated or indirectly correlated asset classes. With the rise in oil and gas prices, high net worth investors are naturally examining the potential of alternative investment programs, especially in the energy sector.
Tags: Alternative Investment, China, clean energy, Collective investment scheme, Direct energy investments, DJIA, energy, Energy Firms, Energy Investments, energy needs, Energy Programs, energy sector, Equipment Leases, Exchange-traded fund, financial advisor, Financial services, Funds, Hedge fund, High Net Worth Investors, India, Investable Assets, Investment, Investment Ideas, Investment Programs, Investment Vehicles, Investment World, Mutual fund, oil and gas equipment leases, Oil And Gas Prices, Pete Mitchell, Portfolio Diversity, Private equity, real estate exchanges, Real Estate Securities, S&P 500, S&P GSCI Commodity, Securities and Exchange Commission, Sophisticated Investors, Term Outlook, Wall Street Analysts, Wild Ones, World Appetite
In fall 2009, TIME Magazine raised eyebrows with a cover article called “Why It’s Time to Retire the 401(k)”. Author Stephen Gandel, the magazine’s senior economic writer, argued that 401(k)s, 403(b)s and IRAs had proven themselves “a lousy idea, a financial flop.”
Tags: Author Stephen, Cover Article, Employment, Employment compensation, ERISA Industry Committee, Eyebrows, federal government, financial advisors, Financial services, Gaining Momentum, Gandel, Iras, Labor, Life Security, Lousy Idea, Market Downturn, New York City, New York Times, New York Times Editorial, Pension, Personal finance, Pete Mitchell, Plan Administrators, Professional Asset Managers, Radical Move, Record Keepers, Retirement, retirement insurance, Retirement Plan, retirement plan administrator, Retirement Savings, Social Security, Stephen Gandel, Teresa Ghilarducci, The New School, TIME Magazine
