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SECURE ACT 2.0 New Retirement Rules

 The SECURE Act is by far the biggest retirement-oriented legislation to be enacted in over a decade. Many Americans are left wondering, “What does this mean for me?” Here’s what you need to know. If you have any questions or if I can do anything for you please do not hesitate to email me at or call me at (734) 272-4322! I recently did three webinar workshops covering the SECURE Act and what it means for our clients.  Click on the video link below to watch the full webinar workshop! The SECURE Act, passed in late 2019, is by far the biggest retirement-oriented legislation to be enacted in over a decade. The new law is a very good thing for some retirees and not such a good thing for others. Barely half of the workforce is covered by a retirement savings plan through their employer, and the SECURE Act is meant to address this issue, among other things. Here are some key provisions in the Act that may affect your retirement plans. 1. Required minimum distrib
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Have you or someone you know been "Laid Off"?

  Have you or someone you know been "LAID OFF" recently? If so, you/they may find the video I made below useful. You this as an opportunity to grow! Please let me know if I can help you in any way! A plan participant leaving an employer typically has four options (and may engage in a combination of these options), each choice offering advantages and disadvantages. For balance, please update your material to include each option below: Leave the money in his/her former employer’s plan, if permitted; Roll over the assets to his/her new employer’s plan, if one is available and rollovers are permitted; • Roll over to an IRA; or Cash out the account value.  The opinions voiced in this material are for general information only are not intended to provide specific advice or recommendations for any individual securities offered through LPL Financial. Member FINRA/SIPC. Investment advisory services offered through Four Financial Management a registered investment advisor & separate

New Retirement Rules Workshop

  Do you know how the SECURE act legislation will affect your retirement plan this year? IF NOT I would like to invite you to a very special event: "New Retirement Rules Understanding SECURE Act 2.0” At this one-hour workshop you will learn: • Why your 401(k) plans will look different in the future. • New age requirements for taking distributions from your retirement accounts. • “The Death of the Stretch IRA” and what it means for your family. • How 529 plan funds can jump start retirement savings. • One way young professionals can save for retirement and pay student loan debt. • The importance of planning and managing your taxes. • How small businesses can benefit from starting a retirement plan. You will also receive a copy of SECURE Act 2.0 Highlights —a comprehensive reference addressing he major changes in legislation and giving practical action steps. We all need to understand the new retirement-related legislation because the changes are far-reaching, subject

5 Tax Gotchas in Retirement

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  Life is rarely comfortable. And the more you seek comfort, the less likely you’ll have the kind that really matters — like long-term physical and mental health and meaningful relationships. Such comforts are reaped from hard work sowed over time, again and again. From grit.

Perfect Holiday Gift for Women!

  Looking for that perfect holiday gift for the women in your life who have everything? Well look no further! Through the holiday season my book "Women, Wealth and Wellness" is on sale on Amazon! Both electronic and physical versions! Click the following link to check it out and have a safe and happy holiday season and New Year!   Securities offered through LPL Financial | Member FINRA/SIPC. Investment advisory services offered through Four Financial Management a registered investment advisor & separate entity from LPL Financial. 

Weekly Financial Market Performance for the Week of December 8, 2023

  U.S. and International Equities Markets Mostly Higher Both the S&P 500 Index along with the Nasdaq Composite witnessed their sixth consecutive weekly rise as Google’s AI model impressed investors.  Communication services, consumer discretionary, and information technology led this week’s market returns.  Energy is this week’s laggard given weakness in energy prices. Sentiment remains bullish according to the most recent AAII Survey, however the percent of bears grew from a neutral stance. The percentage of bullish investors increased slightly to 47.3%, which is well-above the historical long-term average of 37.5%. Bearish investors jumped to 27.46%, just below the historical average of 31.0%. Neutral investors declined from 31.7% to 25.3. Fixed Income Higher The Bloomberg Aggregate Bond Index continued higher this week amid momentum from peak Federal Reserve (Fed) hawkish monetary policy being reached and economic soft-landing narratives.  In addition, high yield bonds also gaine