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Re: First portfolio review and question

30Throwaway , welcome to the forum. You have an AA of 80% stocks, 20% bonds, with 25% of stocks in international. That breaks down to 60% US stocks, 20% international stocks, and 20% bonds. You could have: His 401k -- 72% 42% ( VFIAX ) Vanguard 500 Index Fund Admiral Shares (0.05%) 10% ( VSMAX ) Va...
by Duckie
Sat Dec 20, 2014 8:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: First portfolio review and question
Replies: 3
Views: 275

Re: Please help: too liquid and asset allocation questions!

Singlemoi , you have an AA of 70% stocks, 30% bonds, with 20% of stocks in international. That breaks down to 56% US stocks, 14% international stocks, and 30% bonds. You could have: Taxable at Vanguard -- $200K -- 55% <-- Setting aside $11K for 2014 and 2015 Roth IRA contributions. 41% ( VTSAX ) Va...
by Duckie
Fri Dec 19, 2014 8:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help: too liquid and asset allocation questions!
Replies: 4
Views: 442

Re: Help with asset allocation

My question is, is my distribution of bonds ok in 401K/403B, rather than taxable account? Yes. For most people most of the time it is better to put bonds in tax-sheltered accounts like IRAs and 401k/403b plans. And all things being equal (which they rarely are) it is better to put assets with highe...
by Duckie
Fri Dec 19, 2014 7:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation and types of Bonds
Replies: 7
Views: 606

Re: Portfolio Assessment? Lurker turned poster

MatsuGrabik , you have an AA of 90% stocks, 10% bonds, with 25% of stocks in international. That breaks down to 68% US stocks, 22% international stocks, and 10% bonds. Given your options you could have: Taxable at Vanguard -- $3.7K -- 5% 5
% ( VGTSX ) Vanguard Total International Stock Index Fund I...
by Duckie
Thu Dec 18, 2014 9:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Assessment Help - Retirement Foundations
Replies: 4
Views: 668

Re: Help me understand taxes with non-retirement accounts

I'm looking at the cost basis page on my parent's vanguard account. Unrealized gains means money that has been made but not taxed yet? Once a percentage of Total Stock Market would be exchanged for Total Bond Market, it would become realized gains? And then count towards income that would be taxed?...
by Duckie
Thu Dec 18, 2014 8:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me understand taxes with non-retirement accounts
Replies: 29
Views: 2511

Re: Help With Wife's Asset Allocation

Storcher , without knowing the expense ratios in her Prudential plan the following look to be the best options: ( VFIAX ) Vanguard 500 Index Fund Admiral Shares ( VEXAX ) Vanguard Extended Market Index Fund Admiral Shares <-- Roughly 80% large caps (500 Index) plus 20% mid/small caps (Extended Mark...
by Duckie
Thu Dec 18, 2014 8:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help With Wife's Asset Allocation
Replies: 3
Views: 488

Re: Backdoor Roth Guidance Needed

But based on the information I'm seeing, we're both ineligible for regular Roth IRA contributions since we file separately and have over $10,000 in income. Is this not true or if it is, can I circumvent this issue by doing the backdoors? True, you are both ineligible for direct Roth IRA contributio...
by Duckie
Tue Dec 16, 2014 10:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth Guidance Needed
Replies: 4
Views: 490

Re: Rollover 401k to IRA Every Year

Since you have more control (fund selection) and lower fees in an IRA, is there any reason why you wouldn't/couldn't/shouldn't rollover your 401k to an IRA every year? Most employer plans do not allow in-service rollovers for people under 59.5 for all employee deferrals and employer matching. After...
by Duckie
Tue Dec 16, 2014 10:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rollover 401k to IRA Every Year
Replies: 6
Views: 779

Re: Can I do a *Roth 401k* to *Roth IRA* Rollover?

Let's say I leave my job in 2 years and I am making more than the income limit for which I can contribute to a Roth IRA, would it be possible to directly rollover - without any penalty - all the funds I have accumulated from the past 2 years from the Roth 401k with no income limit into a Roth IRA w...
by Duckie
Tue Dec 16, 2014 8:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I do a *Roth 401k* to *Roth IRA* Rollover?
Replies: 6
Views: 697

Re: Portfolio Review 32 Year Old (Updated)

I am not eligible for Roth now, can I still do Roth conversion for my spouse ? That means Do I need to do following, please confirm ? 1. open IRA for me $5500 and then convert to Roth 2. open IRA for her $5500 and then convert to Roth 3. Repeat every year You can contribute for your spouse as long ...
by Duckie
Tue Dec 16, 2014 7:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review 32 Year Old (Updated)
Replies: 5
Views: 889

Re: Need help with first time asset allocation

Age: 30/29 Desired Asset allocation: 90% stocks / 10% bonds Desired International allocation: 35% of stocks (is this reasonable?) 90/10 is a little aggressive for your ages. 35% of stocks in international is reasonable. Vanguard has found between 20% and 40% of stocks in international to be the &qu...
by Duckie
Mon Dec 15, 2014 7:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help with first time asset allocation
Replies: 6
Views: 668

Re: Question on existing IRA with Backdoor Conversion

LondonFlyer , welcome to the forum. Some details on my current traditional IRA: Is a 401k rollover from a prior job, set up a JP Morgan traditional IRA in October 2011 with $5,613.22 which was the rolled over amount. I have not made any further contributions to the IRA. The current value is $9,703....
by Duckie
Mon Dec 15, 2014 5:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question on existing IRA with Backdoor Conversion
Replies: 1
Views: 162

Re: Portfolio Review 32 Year Old

ekmanus , welcome to the forum. 1. Please suggest me if any changes needed in my 401k plan The best options in your 401k plan are: ( FXSIX ) Spartan 500 Index Fund Institutional Class (0.05%) ( FSEVX ) Spartan Extended Market Index Fund Advantage Class (0.07%) ( VTIAX ) Vanguard Total International...
by Duckie
Mon Dec 15, 2014 5:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review 32 Year Old (Updated)
Replies: 5
Views: 889

Re: Backdoor IRA question

1. I contributed the $5.5K into my IRA (this is a roll-over IRA converted from an employer 401K from my previous job) What was the Rollover IRA worth before you added the $5.5K? 2. I have another $5.5K that I would like to put in my wife's IRA (she doesn't have any so we want to start one for her)....
by Duckie
Sun Dec 14, 2014 7:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor IRA question
Replies: 12
Views: 1042

Re: International Stock Fund Placement

Dazed&Confused , welcome to the forum. Age: Me 56, Spouse 54 Desired Asset allocation: 80% stocks / 20% bonds with a glide path to 30% stocks / 70% bonds at age 85 80/20 at your ages is pretty aggressive. 1. For Tax efficiency I placed all bond funds in tax deferred account. I know that I will ...
by Duckie
Sat Dec 13, 2014 8:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: International Stock Fund Placement
Replies: 5
Views: 476

Re: Backdoor Roth for a beginner

The 
 Backdoor Roth IRA 
 method is a two-step process. You open a Traditional IRA and fund it. Then a couple of days later you convert it to a Roth IRA. When you file your taxes you also file IRS Form 8606 . You fill in Part I for the non-deductible contribution and Part II for the conversion. If b...
by Duckie
Thu Dec 11, 2014 7:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth for a beginner
Replies: 16
Views: 1175

Re: reverse rollover IRA to 401k?

I know this is silly but can I return the check to Vanguard or undo the transaction for my TIRA blunder? I haven't cashed it yet. I doubt it but check with Vanguard. If they'll take it back that would be great. But get moving, you've only got a couple of weeks left in the year. I think my TIRA has ...
by Duckie
Thu Dec 11, 2014 3:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: reverse rollover IRA to 401k?
Replies: 8
Views: 959

Re: Traditional IRA to Roth IRA

eloshine wrote:I don't have any other IRAs besides a traditional and Roth. I have a TSP . . .

Since you have an old TSP you could roll any pre-tax assets in your IRA into the TSP. That would avoid the pro-rata issue.
by Duckie
Wed Dec 10, 2014 7:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Traditional IRA to Roth IRA
Replies: 9
Views: 655

Re: Adding Bond funds to my 403b HELP for rebalancing

Which bond is a better option? Dodge & Cox Income (0.43% + 0.04% = 0.47%) Spartan US Bond Index (0.10% + 0.10% = 0.20%) Spartan is cheaper and is an index fund so I would choose it. (What is "Exp Cap"?) Does the new Asset allocation looks better then the one that I currently have? Not...
by Duckie
Wed Dec 10, 2014 7:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Adding Bond funds to my 403b HELP for rebalancing
Replies: 1
Views: 259

Re: Ira to 401k

Kmack , welcome to the forum. My question: can I transfer all of the earnings and pretax money or do I need to allocate the earnings from the post tax money and leave that in the IRA? Transfer all the pre-tax money. That includes any deductible contributions and all earnings. Only the "basis&q...
by Duckie
Wed Dec 10, 2014 7:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ira to 401k
Replies: 12
Views: 812

Re: Looking to add to Roth...

Now to open a tIRA as i only have a Roth at the moment? There's no hurry. You have only had the account since January 2014. You have another year to go. Until then ( AMECX ) American Funds Income Fund of America Class A (0.57%) would be a decent option. Which funds to hold in tIRA if i go this rout...
by Duckie
Wed Dec 10, 2014 7:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking to add to Roth...
Replies: 9
Views: 1350

Re: Looking to add to Roth...

Once a SIMPLE IRA has been opened for two years you can roll the assets over to a regular Traditional IRA at any custodian. See here . You can only make one rollover per year unless you can do a trustee-to-trustee transfer, then you can do it as often as you want. Put the assets into just one of the...
by Duckie
Wed Dec 10, 2014 6:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking to add to Roth...
Replies: 9
Views: 1350

Re: Why did you quit your job?

Not including the one where I was laid off and summer jobs which were intended to be temporary, for jobs #1, #3, and #5 I quit when I got a better paying job. For jobs #2 and #4 I quit when I moved out the area. For job #6 I retired.
by Duckie
Wed Dec 10, 2014 5:07 pm
 
Forum: Personal Consumer Issues
Topic: Why did you quit your job?
Replies: 37
Views: 4244

Re: reverse rollover IRA to 401k?

My MAGI will be above the direct Roth IRA limits (I actually don't know exactly how much my fiance made but I have a rough ballpark) She has a 401K at work but has not made any contributions to it, nor does she have any outside IRAs. Adding your and her 2014 income, will you be above the $181K limi...
by Duckie
Wed Dec 10, 2014 4:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: reverse rollover IRA to 401k?
Replies: 8
Views: 959

Re: Gradually transitioning TSP I-Fund to Roth space

Krischi wrote:So to simplify things for me, my thinking is that an alternative would be to split between the I-Fund and TISM during the transition until we have enough space to hold TISM in Roth and remove the I-Fund from the TSP portion.

That'll work.
by Duckie
Tue Dec 09, 2014 6:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gradually transitioning TSP I-Fund to Roth space
Replies: 1
Views: 146

Re: help needed, backdoor roth and pro rata

madman19 , was the 2013 contribution deducted on your taxes or not? If not deducted did you file IRS Form 8606 with your 2013 taxes? Will your 401k allow incoming rollovers from IRAs? Not all do. Let's assume that the 2013 contribution WAS deducted and that your 401k will take it. The 2014 contribu...
by Duckie
Tue Dec 09, 2014 6:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: help needed, backdoor roth and pro rata
Replies: 9
Views: 516

Re: Have you ever been let go?

Yes, once. I was in sales and my boss's kid came home from college and got my job. It took about two months to get a new job (in another field). I was mid-20s and don't think my age affected anything.
by Duckie
Tue Dec 09, 2014 5:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you ever been let go?
Replies: 74
Views: 5496

Re: Question about Rollover IRA conversion and backdoor Roth

Does that conversion affect or diminish my ability to fund and convert $5500 for a Backdoor Roth IRA for each of us for 2014? I.e. I want to put $5500 into a traditional IRA for each of us, and convert it this year. The completed conversion won't affect the upcoming contributions/conversions. It wi...
by Duckie
Mon Dec 08, 2014 7:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about Rollover IRA conversion and backdoor Roth IRA
Replies: 3
Views: 236

Re: reverse rollover IRA to 401k?

nmop , welcome to the forum. My old job did not have a 401K and so I was contributing to a traditional IRA the deductible limit. This year I started a new job that does have a 401K and I continued to contribute to the traditional IRA as well. I have since learned that this is not allowed and I have...
by Duckie
Mon Dec 08, 2014 7:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: reverse rollover IRA to 401k?
Replies: 8
Views: 959

Re: What's the logic behind the Roth IRA income limit

The limit is set by Congress. Since when are they logical?

If you are above the limit for direct Roth IRA contributions, consider using the 
Backdoor Roth IRA
 method.
by Duckie
Sun Dec 07, 2014 7:19 pm
 
Forum: Investing - Theory, News & General
Topic: What's the logic behind the Roth IRA income limit
Replies: 12
Views: 1316

Re: 59-1/2 Seeking advice, comments on my plan

He suggested the 2010 retirement fund. It is 38 Stock/62 Bond AA. Then I can put stock funds in my cash account to get back to my plan AA of 60/40 over all. I plan to do any re balance and or AA changes for age with my cash account. If I get too heavy in stocks I can add a bond fund later for a fou...
by Duckie
Sat Dec 06, 2014 4:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: 59-1/2 Seeking advice, comments on my plan
Replies: 16
Views: 1932

Re: 59-1/2 Seeking advice, comments on my plan

I checked my plans rules and I am allowed to roll it all into my company 401k. I will tell them that is what I would like to do. Make sure you are talking to the 401k people. Vanguard has different phone numbers for different sections. One account, one set of fees per year. I know I will have other...
by Duckie
Fri Dec 05, 2014 4:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: 59-1/2 Seeking advice, comments on my plan
Replies: 16
Views: 1932

Re: 59-1/2 Seeking advice, comments on my plan

I am confused on the Admiral shares too. I will not get to talk to them till 11 AM this Friday. I assumed they would roll my two outside accounts into my current 401k account. Do I want an IRA instead of putting it in my 401k? I do not know what the difference would be. Would it be better for me? I...
by Duckie
Thu Dec 04, 2014 5:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: 59-1/2 Seeking advice, comments on my plan
Replies: 16
Views: 1932

Re: 59-1/2 Seeking advice, comments on my plan

TonyHouston , welcome to the forum. The current 401k funds are not Admiral funds. For the $152,100 at Vanguard now they show three of the funds from my employer list. The other old 401 & IRA show Admiral funds? This is the plan they gave me today. VBMPX (0850) Total Bond Index fund $114,500 32 ...
by Duckie
Wed Dec 03, 2014 5:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: 59-1/2 Seeking advice, comments on my plan
Replies: 16
Views: 1932

Re: Inheriting IRA at a young age

Assuming I can do the above, it seems to me it makes the most sense to do the following each year 1. Take RMD (mandatory) Yes. 2. Withdraw enough from Inherited IRA for things I "need" the money for now. This year, that'd be augmenting my emergency fund and paying off my student loan. Yes...
by Duckie
Mon Dec 01, 2014 7:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inheriting IRA at a young age
Replies: 12
Views: 1060

Re: Backdoor Roth/Vanguard/TurboTax Questions

1. When creating the Vanguard Roth account, should I elect to transfer from another account (Primerica or USAA) or am I better off creating an account "from scratch" and doing the transfer from Primerica/USAA at a later date? I personally would open the TIRA/Roth IRA accounts and do the b...
by Duckie
Sun Nov 30, 2014 5:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth/Vanguard/TurboTax Questions
Replies: 1
Views: 422

Re: Mega backdoor Roth (401k) + backdoor Roth (nonded IRA)

megaroth , welcome to the forum. Does the $5,500 contribution to nonded trad IRA count against the $53k limit for 401k contributions (pre-tax + employer match + after-tax), or is it separate? The contribution to the IRA has nothing to do with the 401k employer plan limits. So for 2015 you can contr...
by Duckie
Sun Nov 30, 2014 4:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mega backdoor Roth (401k) + backdoor Roth (nonded IRA)
Replies: 9
Views: 884

Re: New to investment

NC_IL wrote:What is?

FI number, AA and CAGR

FI number probably = Financial Independence, your personal dollar amount
AA = Asset allocation
CAGR = Compound Annual Growth Rate
by Duckie
Sat Nov 29, 2014 4:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to investment
Replies: 22
Views: 1725

Re: New to investment

NC_IL wrote:What do you say about this fund?

Vanguard LifeStrategy Moderate Growth Fund (VSMGX)

This is an excellent fund and is great for a tax-sheltered account like an IRA. Because of the taxable bond component it is not suitable for a taxable account.
by Duckie
Fri Nov 28, 2014 5:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to investment
Replies: 22
Views: 1725

Re: Personal portfolio - looking for ideas and advice

Would it make sense to take that $110k and set up a Boglehead 3-fund portfolio? Or would I be better served (tax and growth-wise) by deploying differently? Factoring in my age and my current assets, what could I be doing better? 1. You didn't mention your Asset allocation for your retirement assets...
by Duckie
Fri Nov 28, 2014 4:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Personal portfolio - looking for ideas and advice
Replies: 7
Views: 965

Re: Asset allocation/location for 21 year old

Will I be overweight international if I have $8.2k in VBMFX, $20.8k in FSTMX, and $11k in FSGDX? That's 52% US stocks, 28% international stocks, and 20% bonds. If your AA is 56/24/20 then you are a little overweight international but you're just starting out. You're not going to get it exact at fir...
by Duckie
Thu Nov 27, 2014 6:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset allocation/location for 21 year old
Replies: 4
Views: 798

Re: Backdoor Roth Steps?

(1) move any freefloating IRA accounts to our work 401(k)/457 to avoid pro rata tax rule. Right. (2) once there are no other IRA assets, open up a non-deductable traditional IRA It's just a regular TIRA. The custodian doesn't know or care that the contributions are non-deductible. (3) wait and conv...
by Duckie
Wed Nov 26, 2014 7:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth Steps?
Replies: 2
Views: 261

Re: Roth Income limits and expected 2014 Cap Gains Distribut

My wife and I each contribute the max amount to our Roth accounts each year. For 2014, we will, for the first time, have a combined earned income that will be approaching the 181k range this year. Looking at expected capital gains and dividends from taxable accounts, however, we will be definitely ...
by Duckie
Wed Nov 26, 2014 7:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth Income limits and expected 2014 Cap Gains Distributions
Replies: 4
Views: 301

Re: Multiple Accounts and Tax Planning

- Will Vanguard allow me to set up both Roth and traditional IRA's for my wife and I? Yes. - Can mega-backdoor contributions be withdrawn penalty free? 1. Direct contributions to a Roth IRA may be withdrawn penalty free at any time. 2. Conversions, which include the Backdoor Roth IRA method, have a...
by Duckie
Wed Nov 26, 2014 6:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Multiple Accounts and Tax Planning
Replies: 3
Views: 411

Re: Asset allocation/location for 21 year old

Funds available in 401(k) Not the best selection and no institutional shares ⋅ Fidelity Spartan® Total Market Index Fund - Investor Class (FSTMX) @ 0.10% ⋅ Vanguard Total Bond Market Index Fund Investor Shares (VBMFX) @ 0.20% These are very good funds. Does your plan have a dece...
by Duckie
Wed Nov 26, 2014 5:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset allocation/location for 21 year old
Replies: 4
Views: 798

Re: Backdoor Roth Question

hank10 , you have two issues. 1. You made a direct contribution to a Roth IRA and now your income is too high. You contact Vanguard and have them "recharacterize" the Roth IRA contribution (and any earnings) to a Traditional IRA contribution. It will be as if it had been a TIRA contributi...
by Duckie
Mon Nov 24, 2014 5:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth Question
Replies: 7
Views: 509

Re: New to Vanguard and serious about retirement planning

Leeraar wrote:
purplefoot99 wrote:Desired Asset allocation: 60% stocks / 40% bonds

Stuff it all in Vanguard LifeStrategy Moderate, and take six months off.

Since 75% of your portfolio is in the IRAs that will work fine for them. It won't be exactly what you want but it'll do until you retire.
by Duckie
Mon Nov 24, 2014 4:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to Vanguard and serious about retirement planning
Replies: 12
Views: 1598

Re: Help with allocation after Edward Jones

Inside of that 401k, she's got 5 different funds right now with average expense ratios of about 1.00%. Would it be best to sell those funds and transfer into the Vanguard or just start allocating to Vanguard on the new money that is coming in? The best is first to set the new money going to the fun...
by Duckie
Sun Nov 23, 2014 6:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with allocation after Edward Jones
Replies: 10
Views: 1455

Re: New to Vanguard and serious about retirement planning

purplefoot99 , welcome to the forum. 1. We feel the 60/40 mix is right for us. Does the recommended allocation adequately diversify? It's overly complicated to me. But it'll work. 2. Should we include a REIT component? Having 5% REITs is fine if you want to tilt. They are already contained in Total...
by Duckie
Sun Nov 23, 2014 6:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to Vanguard and serious about retirement planning
Replies: 12
Views: 1598

Re: Help with allocation after Edward Jones

Current Vanguard IRA $34,000 Does His 401k allow incoming rollovers? If this were moved to the 401k it would allow for the Backdoor Roth IRA method without having to deal with the pro-rata rule issue. Yes, I believe it does but would that rollover create a taxable situtaion? A rollover from an IRA ...
by Duckie
Sun Nov 23, 2014 5:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with allocation after Edward Jones
Replies: 10
Views: 1455
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