Articles by Leonard Simpson, RFC®, AIF®
Small Fees, Big Impact
SMALL FEES, BIG IMPACT Seemingly insignificant charges in retirement plans can add up. Presented by Leonard R. Simpson, RFC®, AIF® So much fine print goes unread. Few people realize how significantly 401(k) account fees can impact their retirement savings efforts.
The Different Types of IRA's
THE DIFFERENT TYPES OF IRAs There are many varieties of this popular savings vehicle. Provided by Leonard R. Simpson, RFC®, AIF® What don’t you know? Many Americans know about Roth and traditional IRAs … but there are also many other types of IRAs.
The Current CD Quandary
THE CURRENT CD QUANDARY Today’s yields can’t beat inflation. Presented by Leonard R. Simpson, RFC®, AIF® CD investors are effectively losing money. According to Market Rates Insight, a research firm tracking bank rates, annualized inflation has surpassed long-term certificate of deposit rates since February. In April, 12-month inflation hit 3.
The Value Of Money Management
VALUE OF MONEY MANAGEMENT There are compelling reasons why advisors suggest third-party asset managers. Presented by Leonard R. Simpson, RFC®,AIF® Why do advisors "hire out" the management of portfolios? Some investors are puzzled when financial services professionals recommend third-party asset managers to supervise their portfolios.
A Woman's Financial Reality
A WOMAN’S FINANCIAL REALITY Your financial future is up to you … and no one else. Presented by Leonard R.
Auto-Enroll 401 (K)s
AUTO-ENROLL 401(K)s
More companies are offering them. Will they fix our retirement savings blues?
Presented by Leonard R. Simpson, RFC®, AIF®
The trend could become the norm. Human resources firm Aon Hewitt surveyed 120 large U. S.
Baby Boomers & Retirement Hopes
BABY BOOMERS & RETIREMENT HOPES A generation needs help to keep its dreams alive. Presented by Leonard R. Simpson, RFC®,AIF® What do you think your retirement will be like? If you are like many baby boomers, you may be pessimistic about it. Look at the results of a recent poll conducted by the Associated Press and NBC’s LifeGoesStrong.
More Audits For The Wealthy
MORE AUDITS FOR THE WEALTHY The IRS has nearly doubled its examinations of returns from the richest taxpayers. Presented by Leonard R. Simpson, RFC®, AIF® IRS audits are up nearly 8% for the wealthiest Americans. This spring, the Internal Revenue Service released the 2010 IRS Data Book.
S & P Cuts U.S. Outlook
S&P CUTS U. S. OUTLOOK The credit rating agency sends up a flare and hopes for action on Capitol Hill. Presented by Leonard R. Simpson, RFC®, AIF® Pessimism over America’s ability to reduce its deficit. When one of the world’s premier credit rating agencies issues a warning for America, global stock markets dip.
Which Retirement Plan Suits You ?
WHICH RETIREMENT PLAN SUITS YOU? Here’s an overview of the retirement plan landscape. provided by Leonard R. Simpson, RFC®, AIF® All retirement plans are not the same. In fact, there is such a wide variety of retirement plans that it is worth it to read up on your choices. Here’s a brief look at the different plans and what they have to offer.
Little Known Tax Breaks
LITTLE-KNOWN TAX BREAKS Some of these may provide big savings. Presented by Leonard R. Simpson, RFC®, AIF® The Internal Revenue Code is around 700 pages thick – not as long as War and Peace or Remembrance of Things Past, but much drier reading. However, some very nice tax breaks may be found within its pages and amendments. Not all are well-known.
Looking At The New Estate Tax Laws
LOOKING AT THE NEW ESTATE TAX LAWS A rundown of recent changes. Presented by Leonard R. Simpson, RFC®, AIF® In 2011, families and their financial, tax and legal consultants can at last plan estates with a degree of certainty.
Is Inflation Back?
IS INFLATION BACK? Should we be concerned? Should the Fed respond? Presented by Leonard R. Simpson, RFC®, AIF® Prices are rising. In February, the Consumer Price Index advanced 0. 5%. That follows increases of 0. 4% in December and January. This doesn’t exactly represent runaway inflation –to give you some perspective, the CPI rose by almost 1.
Leaving A Legacy Plan
LEAVING A LEGACY PLAN We will all leave this world sometime. Why leave unanswered questions with those we love? Provided by Leonard R. Simpson, RFC®, AIF®We all want to live a significant, successful life. Yet how many of us realize that our important, positive contributions can last long after we are gone? Two things are certain: death and taxes.
IRA Deadlines Are Approaching
IRA DEADLINES ARE APPROACHING April is nearly here. Keep your IRA in mind. Presented by Leonard R. Simpson, RFC®,AIF® Many of us associate April with taxes. We should also associate it with IRAs, for April is the month with the deadlines for IRA contributions and mandatory IRA withdrawals. The deadline for your 2010 IRA contribution is April 18, 2011.
The Big Estate Planning Question of 2011
THE BIG ESTATE PLANNING QUESTION OF 2011 Should you exploit the new $5 million lifetime gift exemption? Presented by Leonard R. Simpson, RFC®, AIF®In late 2010, Congress reunified the estate tax, gift tax and generation-skipping tax (GST), giving them all top rates of 35% with $5 million lifetime individual exemptions.
Should You Pay Off Your Home Before You Retire ?
SHOULD YOU PAY OFF YOUR HOME BEFORE YOU RETIRE? Before you make any extra mortgage payments, consider some factors. Presented by Leonard R. Simpson, RFC®, AIF® Should you own your home free and clear before you retire? At first glance, the answer would seem to be “absolutely, if at all possible.
2011 Tax Laws
27 Things
You Should Know About The
2011 TAX LAWS
Provided by
Leonard R. Simpson, RFC®, AIF®
Managing Partner
20/20 Financial advisers of Sacramento, L. L. C.
www. 2020fa. com
2011 is here and there is much to report.
You Should Know About The
2011 TAX LAWS
Provided by
Leonard R. Simpson, RFC®, AIF®
Managing Partner
20/20 Financial advisers of Sacramento, L. L. C.
www. 2020fa. com
2011 is here and there is much to report.
An Estate Planning Checklist
ESTATE PLANNING CHECKLIST Things to check and double-check before you leave this world. Presented by « Leonard R.
The Shift Toward Life Insurance
THE SHIFT TOWARD LIFE INSURANCE Why might the wealthy be directing more money into this middle-class bedrock? Presented by Leonard, R. Simpson, RF®, AIF® For generations, Americans have thought of life insurance as a midlife purchase of the middle class. Today, that perception is less accurate. Wealthier Americans seem to be buying more life insurance.
