Pension Payout Options Most corporate pension systems offer a range of options when choosing how to receive benefits. It is extremely important to choose wisely, as in virtually all cases, once an election has been made, it cannot be “undone”. Make the wrong choice, and you must live with it for the rest of your [...]
Tag Archives | Financial Planning
Class Offered: Building Your Retirement Income
If you or someone you know in the Mystic, CT area is getting ready to retire, or is already retired, and wants to learn more about how to structure their retirement income, this class may be helpful. Education is the foundation of personal financial empowerment. Without the necessary comprehension, most feel ill-equipped to make the [...]
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Fiscal Cliff Resolved – Financial Implications of Taxpayer Relief Act of 2012
On January 1, 2013 the U.S. House of Representatives passed the American Taxpayer Relief Act (ATRA) of 2012 (H.R. 8), by a margin of 257 for and 167 against. The bill now goes to the President to be signed before being enacted as law. The law will permanently extend many of the tax provisions that [...]
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401K Contribution Limits
Each year the IRS publishes updated 401K contribution limits, as well as catch-up contribution limits for the new year. Typically, the limits the IRS sets each year is based on inflation factors (with minimum $500 increases), so they do not necessarily increase the limit each year. For 2013, however, the 401K contribution limit has been [...]
General Dynamics 401K Connection Newsletter – November 2012
Here is the November 2012 issue of the General Dynamics 401K Connection newsletter. The 401K Connection Newsletters are independent evaluations of 401(K) plans that help participants better understand their retirement accounts, the many investment options available to them, and provide them with model portfolios that they are free to follow and emulate at their discretion. The newsletters are [...]
Pfizer 401K Connection Newsletter – November 2012
Here is the November 2012 issue of the Pfizer 401K Connection newsletter. The Pfizer 401K plan is administered by Fidelity Investments. The 401K Connection Newsletters are independent evaluations of 401(K) plans that help participants better understand their retirement accounts, the many investment options available to them, and provide them with model portfolios that they are free [...]
Don’t Buy-and-Forget the Investments in your 401K Plan
The buy-and-hold investment strategy for company sponsored retirement plans, such as a 401K plan, has become a relic of the past. Let me re-phrase that: Buy-and-forget investing is a relic of the past. Buy-and-Forget is not an Investment Strategy I often have prospective clients come to me with a stack of statements…brokerage accounts, 401K accounts, [...]
Where Does Your Health Insurance Dollar Go?
Ever wonder where your health insurance dollars go when you pay your insurance premiums, co-pays, deductibles, and co-insurance? Photo Courtesy of: www.ahipcoverage.com
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Why Own Life Insurance?
Simple, to protect those you love. That might seem obvious to some, but countless families with the financial means to provide a life insurance safety net for their families simply choose not to buy that coverage. Let’s step back a minute. I stated that life insurance is meant to protect those you love. For purposes [...]
Have We Separated From Reality?
The month of June was a good one. The S&P 500 was up over 6% for the month, but essentially just took back most of what it lost in the month of May (May was down over 8%). What we are seeing is the constant daily battle between bad news (unemployment, political battles, Fed actions, [...]
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About Robert Henderson
Robert Henderson is founder and President of Lansdowne Wealth Management, serving the retirement planning and investment needs of families and individuals in Connecticut and surrounding states.
