Archive By Author - James Lentini
Jim Lentini: Don't wait to roll over IRA funds
Did you know that you don't have to wait until you retire or change jobs to roll over 401(k) assets? Certain retirement plan assets can be rolled over to an IRA even while you are still employed. If you review your 401(k) plan summary description with your financial advisor, you may find out that your retirement plan allows for certain in-service withdrawals.
Jim Lentini: Gifting and 529 college preparation
Investing in education is one critical way to help secure a child's future. Gifting money into a 529 savings plan can offer benefits to the account holder and the beneficiary. With college costs on the rise and government subsidies of education on all levels a challenge for the immediate future, financing an education can be a challenge. When putting together college savings investment strategy, the following advantages of a 529 plan can be very beneficial ...
Jim Lentini: Disability benefits for those who work
With the current economic pressures and both our state and federal government trying to increase taxes on businesses, employers are scrutinizing their benefit plans to make sure the company and its employees are receiving good value in relation to rising costs.
Jim Lentini: Challenges faced by rebuilding retirement savings
Recent research with 1,000 Americans ages 45 to 75 reported that three particular categories of individuals - recent retirees, near-retirees and job-changers - are challenged with rebuilding their retirement savings.
Jim Lentini: Know your options when it’s time to leave your company
When it's time to leave a company where you have money invested in a tax-deferred retirement plan, such as a 401(k), you will be faced with a decision: what to do with the money accumulated in your account.
Jim Lentini: ‘No one plans to fail; many fail to plan’
An index that measures the percentage of households at risk of being financially ill-equipped for retirement was launched in Washington, D.C. in June 2006.
Jim Lentini: The value of variable annuities in today’s market
One of the greatest advantages of variable annuities is that you can move your investments within your annuity among stock, bond, money market and fixed accounts - and all with "no current taxation."
Jim Lentini: Your saving and retirement plans
Most everyone today has experienced losses with our retirement, savings and 401(k) plans due to this last depression.
Jim Lentini: Combination LTCs and annuities
Insurance companies have been actively researching and/or developing combination annuity and long-term care products for introduction once the Pension Protection Act takes effect on Jan. 1, 2010. The facts are that long-term care (LTC) services are in need and are incontrovertible.
College savings plans got better
When 529 plans were introduced in 2001 they were hailed as a positive step forward from the UGMA (Uniform Gift to Minors Act), and UTMA (Uniform Transfer to Minors Act) plans for higher education by both investment advisors and purchasers for college savings plans.
Jim Lentini: Americans and a secure retirement?
Most Americans acknowledge that the market crisis has hurt their prospects for a secure retirement. Sixty percent of Americans express significant concern about their retirement savings and investments. Many are making immediate sacrifices to deal with the financial and emotional challenges, such as cutting back on spending (54 percent) and postponing retirement (41 percent).
Jim Lentini: Resisting the urge to use retirement funds
When economic hard times cause sticking to a budget system that just isn't enough to make ends meet, there is a real temptation to tap into other long-term savings like your retirement savings account.
Jim Lentini: Choices on how to protect your retirement assets
Many Americans will be making key decisions in the coming months on what to do with their retirement assets.
Jim Lentini: Life insurance and estate planning are important
Americans are dealing with many hardships during the recession caused by the financial market crisis.
Jim Lentini: Is your retirement income going to stretch far enough?
As you near the point where you can see that retirement will be a reality, you may wonder if your retirement assets will stretch far enough to do all the things that you'd like them to do.
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