Survivor Checklist Free for the asking

Survivor checklist

Recently a dear friend’s father passed away.  I emailed him our Survivor checklist.  He shared with me that this was an invaluable tool.  There were items on the list he and his family had not considered.

The survivor checklist explains what to do immediately, within 30 days, 60 days and 180 days.

Please fill out the form below and we will email you our Survivor checklist at no cost to you.

No Credit Card needed

We do request a phone number, relax though, nobody will call you unless you request support with something.  That’s our promise – respect your desires.

We trust you will find this useful and of value.  If you do, consider having us create a Family Estate Organizer for you.

 

Retirement questions you must answer

Retirement questions you must answer or collect the answers.  If you have not addressed these and other key questions – when will you?

Retirement – Financial issues as retirement draws near

  • Do I have enough to retire?
  • How long will my money last?
  • Should I roll over my 401(k)?
  • Which is best? Ordinary or Roth?
  • Should I consolidate my retirement plans?
  • What are my 401(k) distribution options?
  • Required Minimum Distributions (RMDs)
  • What asset to spend 1st, keep to last?

Estate planning

  • Are my beneficiary designations correct?
  • Should I stretch my IRA?
  • Have I told my survivors my wishes?
  • Do I know what I need to know about estate and inheritance taxes?
  • Is my current plan maximizing my tax deductions to my heirs?
  • Should I set up a trust?
  • What should I do with my home at my death?
  • What is IRD?
  • Am I effectively managing my estate?
  • How can I give my money away, have enough retirement income, and still pass my assets to my children/grandchildren?
  • How do I spend the assets I have left efficiently?

Retirement questions you must answer

Clearly we have touched on an important topic.  These are simply a few questions to ask and answer.

Fiduciary or Suitability

Today I was doing some research on a non-related topic.  I came across this write up that touches on fiduciary or suitability and thought I can share it with everyone.  The first 1-3 pages contain the key points you need to know.  Look for how a Broker-dealer are transaction based and are self-regulated.  Additionally, broker-dealers are NOT fiduciaries for their clients.

Investment advisors provide advice for a fee and are a fiduciary for their clients.  Additionally, investment advisors are regulated the Securities and Exchange Commission (SEC).Fiduciary or Suitability standard

For further reading – download this PDF from Pepperdine Law Review

 

 

Mid-year stock market review

This year has been off to a frustrating start!  This mid-year stock market review video helps explain what has been going on and is very informative.  Keep in mind, money is in the stock market is always at risk.  Invest responsibly.  If you are not working with an Investment Advisor – consider interviewing us.  We may or may not be a fit for your needs, only way to find out is with a conversation.

Our Ideal Client:

People who are committed to working with investment advisors who care about their clients.  People with unanswered questions and concerns.  It may sound silly, but most of our clients were formerly happy with a stock broker until they discovered how unhappy they were.  They simply did not know they were unhappy.

Mid-year stock market review

We trust you found this useful.  Also, we’d be happy to share with you one of our resources listed to the right.

 

PRESS RELEASE – ED SLOTT, FALL 2013 MASTER ELITE IRA ADVISOR TRAINING

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FOR IMMEDIATE RELEASE                                                                                               

Wednesday, October 30, 2013                                                                                          

FOR MORE INFORMATION:
Richard Loek
408-874-6234
rloek@calrimafinancial.com

LOCAL ADVISOR ATTENDS NATION’S MOST COMPREHENSIVE RETIREMENT AND TAX PLANNING CONFERENCE WITH AMERICA’S IRA EXPERTS

SAN JOSE, CA OCTOBER, 30 2013 – Estimates have shown between 75% and 80% of all taxpayers will pay more tax in 2013 than they did in 2012.

Richard “Rick” Loek completed several days of advanced training during Ed Slott and Company’s exclusive Elite IRA Advisor GroupSM workshop on October 24, 25 & 26 in Dallas, Texas, drilling deep into the complicated tax code to ensure his clients and families can keep more of their retirement savings.

Advisors were also educated on the intricacies of an IRA planning sector that makes up more than a quarter of the U.S. retirement marketplace.

“IRAs total roughly $5.7 trillion in total retirement assets across the country,” Ed Slott said from his company’s semi-annual advisor training program. “They make up one of, if not the fastest growing component of the retirement market during the past 20+ years. They have increased 10 percent per year on average since 1990.

Covering other recent updates such as IRS and Department of Labor guidance for same-sex couples, year-end tax planning and the Health Care Law’s tax consequences, Mr. Loek was joined by over 250 of the nation’s top financial professionals.

Mr. Loek welcomes requests for more information about recent changes to the tax code and up-to-date information on retirement planning.

ABOUT ED SLOTT and COMPANY, LLC:  Ed Slott and Company, LLC is the nation’s leading provider of IRA training for financial advisors.  Mr. Slott is the author of multiple best-selling books on retirement distribution planning. He is a nationally recognized IRA-distribution expert, a professional speaker, and the creator of several public television specials, including Ed Slott’s Retirement Rescue!

Ed Slott has been quoted in The New York Times, Newsday, The Wall Street Journal, The Washington Post, Money Magazine, and Forbes. He has appeared on NBC, ABC, CBS, CNBC, CNN, FOX, PBS, Public Television, NPR, and Bloomberg TV and radio.

ABOUT Onesta Wealth Management, LLC; Onesta Wealth Management, LLC is an investment adviser registered with the U.S. Securities and Exchange Commission