May 05, 2010

In This Issue

Your Complete Guide to Rolling Over Your 401(k) into an IRA
Teens and Credit
Charitable Remainder Trusts - Have Your Cake and Eat it Too

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Your Complete Guide to Rolling Over Your 401(K) into an IRA

By: Jason Whitby, CFP®, CFA, AIFA®, MBA

Are you unhappy with your 401(K)? If you are like most people, then you too are very dissatisfied with your 401(K)'s investment options and high fees. This is exactly why so many people decide to move their money from a 401(K) to an IRA rollover as soon as they leave their job. Some people even elect to rollover eligible 401(K) balances even while they are working. The rollover process has a wide range of costly landmines for the uninformed. The steps can be extremely simple or extremely complex depending on your plan. The tendency is for people to give up at the first road block. You have to remember that your existing 401(K) provider doesn't really want you to move and they are incentivized to keep your account.

*This article was published in Morningstar.

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Teens and Credit

Ana Maria Martinetti Katz.jpg

By: Ana Maria Martinetti-Katz, CFP®, CPA, MBA, AIF®

Like all important life lessons, teaching your children to be financially savvy should be taught early on. Giving them an allowance is usually the first logical step in this process. As they get older and the cost of their purchases grows, credit cards inevitably enter the scene. Although credit cards are not bad in their own right, it is important to teach kids how to use them, when to use them and what to avoid.

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Charitable Remainder Trusts - Have Your Cake and Eat it Too

By: John Pitlosh CFP®, MST

One of the largest hurdles preventing charitably minded people from making significant gifts to their favorite charity is the uncertainty of their own long term finances. A Charitable Remainder Trust (CRT) affords people the opportunity to give assets to their favorite charity in a manner and timeline that doesn't undermine their own retirement objectives. A CRT is an irrevocable trust that overcomes the anxiety of making a large gift by splitting the interest of the trust assets between an upfront non-charitable beneficiary who receives an annual income stream from the trust for a certain number of years followed by the eventual qualified charity that receives the remaining interest in the trust once the term for the non-charitable beneficiary has run its course.

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