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Backdoor Roth - move SEP into 401k 1st?

I'd would do a backdoor conversion of non-deductible IRAs into Roths, but for the tax hit. So, here's what I'm thinking. My wife & I have multiple retirement plans due to different needs/jobs over the years. I'm self employed and have bulk of retirement money in 401k/profit share; wife also part...
by rsgdmd
Sun Jan 19, 2014 4:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth - move SEP into 401k 1st?
Replies: 1
Views: 125

Re: NYC, Philly, Boston, or Chicago?

If we're talking one year and the fellowship is best in Philly, I would think that would be the main concern. We're not talking NYC, Chi, Boston vs. Lincoln, NE or Peoria (no offence). Philly has a lot going for it - positives compared to the other choices, some negatives. But, if a top fellowship w...
by rsgdmd
Fri Jul 26, 2013 11:16 am
 
Forum: Personal Consumer Issues
Topic: NYC, Philly, Boston, or Chicago?
Replies: 102
Views: 6724

Re: College Admissions - Affecting Your Planning?

I'm a parent whose son is graduating next month; If you have a really bright kid & can't afford/don't want to pay full price for college (even at state schools), maybe look at schools a notch or so below what they could get into. There are a lot of schools that are aggressive about improving the...
by rsgdmd
Mon Apr 01, 2013 11:44 pm
 
Forum: Personal Consumer Issues
Topic: College Admissions - Affecting Your Planning?
Replies: 59
Views: 3216

Re: Dental Insurance

More than half the states have laws stating that insurance companies cannot stipulate fees on services they do not cover. If the graft isn't covered by your plan, the surgeon isn't bound by their fee schedule. The insurance company may have other, better plans that cover grafts, which is why they se...
by rsgdmd
Fri Mar 08, 2013 11:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance
Replies: 16
Views: 1142

Moving 401k to Schwab

I'm new to this board, but not to investing. I used to have my office's 401k/profit share plan with AXA-Equitable (thru an association) and just switched to an Schwab, using a separate administrator, who will also do recordkeeping. Reason for the move was to save money on expenses (AXA took 0.5% to ...
by rsgdmd
Sun Dec 30, 2012 3:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving 401k to Schwab
Replies: 3
Views: 510

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