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1 Vote
How to Protect Yourself against Fraud and Identity Theft
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Many eRollover readers have expressed a concern about Identity Theft. While Identity Theft is outside the scope of our normal conversations, I would like to address the issue and explain how your credit profile, banking information, or Identity can be hijacked. Today, Identity fraud has become one of the most common consumer thefts of the decade. It has been featured in different k
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2 Votes
Don't Forget a Spousal Roth IRA for your Retirement Planning
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Retirement planning should be a comprehensive process, whereby you should take advantage of every opportunity to sock away some funds for the future. One such opportunity that is commonly missed is to take advantage of the spousal Roth IRA, especially if your spouse isn’t working, and you have the disposable income to do so. There are requirements for a spousal Roth IRA that you should be
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1 Vote
Fund your 401k or Fund your IRA?
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If your current employer is offering to match a certain limit of your 401k contributions, then you should focus on making enough contributions to your 401k to fully take advantage of the match. As a result of the recent economic slowdown, companies just aren’t matching as much these days, and it may be more of the norm moving forward. But as long as the option is available, be sure to take
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3 Votes
Divorce Planning Affects your Retirement Accounts
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I am getting divorced, but do I need to put additional divorce planning into effect for my 401k, 403b, IRA, or other retirement plan? Divorces are never something that people pIan, however nearly 50% of Americans end up in that situation at some point in their lives. As a result, I commonly get approached by individuals who are looking for advice on what their upcoming divorce means to
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1 Vote
The Index Annuity-Protection in a Volatile Market
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There are 3 major types of annuities in the world fixed, income, and variable. An indexed annuity is a type of deferred annuity whose return is directly tied to the performance of a particular market index. Your investment is usually protected against market downturns, in that most products, you are guaranteed to never have a return below 0%. However, your earnings are generally capped at a cert
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5 Votes
Think About the Consequences of Cashing out your 401k
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With the recent economic downturn, Americans have become increasingly concerned about job security-and with just cause, turning to their 401k plans to help to meet those needs. Unemployment remains at right around a 10% rate, not even counting those who aren’t fully employed, and that means many people will search for additional funds to help them get through this financially uncertain per
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5 Votes
Critical Retirement Thoughts for Those in their 50’s
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Face it, you're getting older, so now is the time to make preparations for health changes and retirement. If you're turning the corner into your sixth decade, you've probably heard the jokes about getting older. The ones that start, "You know you're 50 when "You start getting solicitations from AARP, you remember when black and white television was a luxury, and you jus
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5 Votes
The Most Common Retirement Plan Options for the Self-Employed
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There are many complexities with being self employed, or owning your own company. When it comes to retirement plans, there are a separate bucket of accounts that you have access to if your small business doesn’t have a 401k plan. We have listed the primary accounts available right now, with the limits and detailed specs for each one.
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