Search found 1829 matches

by neurosphere
Fri May 27, 2016 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70
Replies: 96
Views: 5188

Re: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70

If found this of interest in the anypia docs regarding what to put for quarters. This form is available if the worker's earnings start before 1978, when earnings records at the Social Security Administration were updated quarterly. In 1978 and later, there are no quarterly records; quarters of cove...
by neurosphere
Fri May 27, 2016 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Do You Consider Taxes When Evaluating Asset Allocation?
Replies: 14
Views: 525

Re: Do You Consider Taxes When Evaluating Asset Allocation?

Thanks, all. Dbr, missed the link at first, so thanks for clarifying. I'll take a look at the wiki article (which I also somehow missed) as well as that paper. Based on what folks have said, I'm leaning toward not worrying about it for now, as it seems I'll get "close enough" to my desire...
by neurosphere
Thu May 26, 2016 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70
Replies: 96
Views: 5188

Re: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70

And, the maximum taxable amount grows (these days) with NAWI. See here for a discussion: https://www.ssa.gov/policy/docs/policybriefs/pb2011-02.html Thanks for that link. It's interesting to see the entire history. I think we were posting at the same time regarding my confusion (and subsequent unco...
by neurosphere
Thu May 26, 2016 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70
Replies: 96
Views: 5188

Re: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70

I'm confused by apparently conflicting statements I found on SSA.gov regarding factors which determine the contribution and benefit base. I intend to hunt down the original code/law, but... First there is this: Social Security's Old-Age, Survivors, and Disability Insurance (OASDI) program limits the...
by neurosphere
Thu May 26, 2016 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70
Replies: 96
Views: 5188

Re: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70

I'm confused by apparently conflicting statements I found on SSA.gov regarding factors which determine the contribution and benefit base. I intend to hunt down the original code/law, but... First there is this: Social Security's Old-Age, Survivors, and Disability Insurance (OASDI) program limits the...
by neurosphere
Thu May 26, 2016 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70
Replies: 96
Views: 5188

Re: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70

Sounds like you've got it. :) Thanks for your help Mike (and others). So I've been able to update my spreadsheet by requesting a birthdate and using the correct index factor based on the age in which one turns 60. Previously though, I had written the spreadsheet to estimate benefits in today's doll...
by neurosphere
Thu May 26, 2016 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70
Replies: 96
Views: 5188

Re: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70

Sounds like you've got it. :) Thanks for your help Mike (and others). So I've been able to update my spreadsheet by requesting a birthdate and using the correct index factor based on the age in which one turns 60. Previously though, I had written the spreadsheet to estimate benefits in today's doll...
by neurosphere
Thu May 26, 2016 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70
Replies: 96
Views: 5188

Re: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70

Here is the piece I'm missing: That once one reaches age 60, NO updates are made to the indexing. Sounds like you've got it. :) To be slightly more thorough, your "indexing year" is two years prior to the earliest of: 1) The year you reach age 62, 2) The year you die, or 3) The year you b...
by neurosphere
Thu May 26, 2016 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70
Replies: 96
Views: 5188

Re: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70

KlangFool wrote:neurosphere,

Thank you for asking. I learned something in the process too.

KlangFool


Anytime. Actually, I knew the right answers all along. I was just helping everyone else out by stepping them through the issues by way of questions. :wink:
by neurosphere
Thu May 26, 2016 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70
Replies: 96
Views: 5188

Re: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70

Quickly before I head out the door, here's an easier way to think of it. There's no need to go as far as calculating PIAs. Just look at the earnings from each year that would go into the AIME calculation. This spreadsheet shows one hypothetical example in which the person earns an amount equal to t...
by neurosphere
Thu May 26, 2016 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70
Replies: 96
Views: 5188

Re: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70

Neurosphere, I have an appointment coming up here in a bit, but I will try to recreate your hypothetical scenario on my own this afternoon and post my results. One point though is that your people have different dates of birth and therefore different PIA formulas (different bend points). I am talki...
by neurosphere
Thu May 26, 2016 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70
Replies: 96
Views: 5188

Re: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70

Neurosphere, In this particular case, you're correct. Your earner here remains relatively stuck in a job which is not really providing them with reasonable raises. You've calculated their wages presumably tied to the social security wage index but not everyone would fit that category. For example, ...
by neurosphere
Thu May 26, 2016 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70
Replies: 96
Views: 5188

Re: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70

Below are my inputs and initial calculations. The first set of numbers is the man with earnings from 56 to 65, the next set are the age 51 to age 60 earnings. I've added the AIME and PIA for each in the far right column. The table/columns get skewed at age 60 but I think it will still make sense. Th...
by neurosphere
Thu May 26, 2016 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70
Replies: 96
Views: 5188

Re: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70

So $5000 earned prior to age 60 is "worth more" than after 60, right? Yes. Whew. Ok, one baby step for me! Point being, if a person's wages keep up (roughly) with NAWI growth, and NAWI growth is positive, then those years after age 60 are higher (in nominal terms) and don't have to be ind...
by neurosphere
Thu May 26, 2016 7:12 am
Forum: Personal Finance (Not Investing)
Topic: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70
Replies: 96
Views: 5188

Re: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70

Thanks Spirit Rider and Mike, for taking the time to explain to me. I need to play with some numbers, create additional examples to make sure I understand. I think I'm having a hard time with some of the language used, such as what does it mean to earnings to be "worth more" for the purpos...
by neurosphere
Wed May 25, 2016 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70
Replies: 96
Views: 5188

Re: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70

You are correct. The no indexing after 60 is a positive not a negative. It causes increased earnings to disproportionally effect the AIME/PIA. The simplest example to think about, is if your earnings are >= the max wage base. Every year you work after age 60 adds a year with earnings greater than t...
by neurosphere
Wed May 25, 2016 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70
Replies: 96
Views: 5188

Re: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70

This is particularly true for earnings after age 60, which are not indexed (and effectively will end up counting 'less' towards the benefit as the years go by, is one way I think about it). Actually, I'd argue just the opposite. At 60, the indexed earnings are frozen. Going forward, your salary wil...
by neurosphere
Wed May 25, 2016 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70
Replies: 96
Views: 5188

Re: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70

While some of us do have 35 years of maximal SS earnings and contributions, that's not a necessary condition for your latter working years (or waiting years) having zero impact on your eventual SS benefit. If your average wage was around 50% of the max SS amount over the years, for example, the mat...
by neurosphere
Wed May 25, 2016 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70
Replies: 96
Views: 5188

Re: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70

Is your spreadsheet available for download please ? :sharebeer I would gladly share it, however it is in a format which is not user friendly. *I* know where to put inputs and what the outputs mean, but it would take so very long for me to explain... I have always wondered if there were an excel exp...
by neurosphere
Wed May 25, 2016 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Need Moral Support for FA Breakup!
Replies: 68
Views: 4695

Re: Need Moral Support for FA Breakup!

I lost control of the conversation and, 90 minutes later, was out of energy to end things. :oops: Sorry to hear that. I assume that it became clear early on what you intent was, and the advisor was determined not to let you get around to it? I also assume the advisor has much more experience derail...
by neurosphere
Wed May 25, 2016 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70
Replies: 96
Views: 5188

Re: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70

If I do work that last year at 69 y/o I'll still have some more very low earnings years left among the top 35. I wonder, hypothetically, if I lop off one more of those low earnings years when I turn 71, would my PIA be bumped further, or does that door close completely at 70? Your PIA will continue...
by neurosphere
Wed May 25, 2016 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Income under the IRS filing requirement & Roth conversions
Replies: 10
Views: 689

Re: Income under the IRS filing requirement & Roth conversions

I agree that filing a return, even if not required, is a good idea. Another reason for filing is to preempt identity theft (someone else filing under your SSN.) The issue pshonore raises about capital gains may be less of a problem in the future as a growing part of your portfolio may be "cove...
by neurosphere
Wed May 25, 2016 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70
Replies: 96
Views: 5188

Re: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70

While some of us do have 35 years of maximal SS earnings and contributions, that's not a necessary condition for your latter working years (or waiting years) having zero impact on your eventual SS benefit. If your average wage was around 50% of the max SS amount over the years, for example, the mat...
by neurosphere
Wed May 25, 2016 6:19 am
Forum: Personal Finance (Not Investing)
Topic: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70
Replies: 96
Views: 5188

Re: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70

I'm pleased to have been pushed to finally use the anypia software. It's annoying but I'm glad I've figured it out, and I also understand your points about how past earnings history for many people can overwhelm any impact the last few years of earnings might have on benefits received at 70, if not...
by neurosphere
Thu May 19, 2016 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: If TSM and SP500 are so alike, why even do TSM?
Replies: 48
Views: 4274

Re: If TSM and SP500 are so alike, why even do TSM?

heybro wrote: You have no idea how cool you are. I wish more were like you. Big picture - big context - considering all options and why. Thank you.


Welcome to Bogleheads. :wink:
by neurosphere
Thu May 19, 2016 7:01 am
Forum: Investing - Help with Personal Investments
Topic: If TSM and SP500 are so alike, why even do TSM?
Replies: 48
Views: 4274

Re: If TSM and SP500 are so alike, why even do TSM?

... um, this was the coolest most thought out well written response I have ever read to anything. thank you so much. woof. Keep in mind that this response by nisiprius is "average" for him. Or perhaps a more appropriate adjective is "typical". His understanding of the underlying...
by neurosphere
Wed May 18, 2016 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Could I be held Liable for giving financial advice to a friend
Replies: 37
Views: 3620

Re: Could I be held Liable for giving financial advice to a friend

But, you are incorrect that customer awards (or settlements for that matter) in arbitration result in regulatory discipline against the broker....other than, perhaps, when a number of customers make the same type of claim, or forgery claims, or fraud. Your garden variety arbitration claim for unsui...
by neurosphere
Wed May 18, 2016 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Could I be held Liable for giving financial advice to a friend
Replies: 37
Views: 3620

Re: Could I be held Liable for giving financial advice to a friend

Neuro: respectfully, apples and oranges. Your reply focuses on discipline (if any) of the broker. My focus as a lawyer, and in answering your specific question, was awards "clients have won against a broker" or brokerage firm. When a client loses money, my experience is that they want to ...
by neurosphere
Wed May 18, 2016 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Could I be held Liable for giving financial advice to a friend
Replies: 37
Views: 3620

Re: Could I be held Liable for giving financial advice to a friend

Neuro: I did not interpret your reply as being antagonistic in any respect, and appreciate the thoughtful reflections. To answer your specific question, as you no doubt know (based on the substance of your response, it seems clear you are somehow "in the industry"), favorable settlements ...
by neurosphere
Wed May 18, 2016 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Could I be held Liable for giving financial advice to a friend
Replies: 37
Views: 3620

Re: Could I be held Liable for giving financial advice to a friend

Respectfully, Neurosphere, your post is flatly wrong concerning the duties owed by a fiduciary, let alone the duties owed by a broker who may not meet the fiduciary standard. Cases are won all the time before FINRA by customers suing their brokers, even those who do not meet the fiduciary standard,...
by neurosphere
Wed May 18, 2016 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Could I be held Liable for giving financial advice to a friend
Replies: 37
Views: 3620

Re: Could I be held Liable for giving financial advice to a friend

Folks, Many times friends may ask me if they should do certain things with their money. For example, one friend wants me to review their choices of funds from Fidelity for their 401-k plan. If I was to provide any input or advice could I be held liable? I always tell people I am not a CFP or any ty...
by neurosphere
Mon May 16, 2016 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: New Attending Starting Out - Rent vs. Buy in HCOL area
Replies: 17
Views: 1478

Re: New Attending Starting Out - Rent vs. Buy in HCOL area

Hi KidsDoc, congrats on the soon-to-be attending-ship! I'm a part-time physician, and have been both a home-owner and a renter in both low cost and high cost areas. Renting vs owning is as much a psychological decision as it is a financial one. Personally, although I bought/sold at opportune times, ...
by neurosphere
Sat May 14, 2016 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Do you move after your home has appreciated by $500K?
Replies: 38
Views: 3546

Re: Do you move after your home has appreciated by $500K?

Curious how folks look at the decision after primary residence has increased by $500K and subsequent capital gains become taxable. How much will it cost in fees and expenses (new mortgage, realtor, moving truck, personal time, etc) to find a new home and move? Will this be less than the amount of (...
by neurosphere
Sat May 14, 2016 10:31 am
Forum: Investing - Theory, News & General
Topic: Classic Bernstein 7 — The Great Fund Fee Mystery
Replies: 9
Views: 1275

Re: Classic Bernstein 7 — The Great Fund Fee Mystery

I was thinking about how in the short run, the distribution of a fund's return is almost random with respect to fees. E.g. in a one year period, many active funds might be very likely to beat their benchmark. But with each passing year, history has shown it gets harder and harder to overcome the dra...
by neurosphere
Sat May 14, 2016 10:01 am
Forum: Investing - Theory, News & General
Topic: Classic Bernstein 7 — The Great Fund Fee Mystery
Replies: 9
Views: 1275

Re: Classic Bernstein 7 — The Great Fund Fee Mystery

To investigate further, Mr. Bernstein performed the same analysis for each of the 9 Morningstar style boxes over the same period (table at right above). Note that the regression slope was greater than 1.00 in 8 of 9 cases, and greater than 2.00 in 4 of 9 cases. Fyi, vanguard has graphs of the relat...
by neurosphere
Sat May 14, 2016 7:28 am
Forum: Investing - Help with Personal Investments
Topic: 3 Questions about using TaxACT with Vanguard 1099s?
Replies: 50
Views: 10070

Re: 3 Questions about using TaxACT with Vanguard 1099s?

This info is available on the Vanguard web site and not on the Vanguard 1099. https://advisors.vanguard.com/VGApp/iip/advisor/csa/investments/taxcenter/foreigntaxcredit?year=2015 I wonder what tax preparers do for clients whose returns need this information, but which is not provided by the client?...
by neurosphere
Wed May 11, 2016 5:21 pm
Forum: Investing - Theory, News & General
Topic: Where is Rick Ferri? [Portfolio Solutions management and fee structure]
Replies: 95
Views: 15801

Re: Where is Rick Ferri? [Portfolio Solutions management and fee structure]

It would seem that PS's lowest tier is a loss-leader of sorts for their more expensive services. If client A places $1,000,000 under the lowest tier, then PS earns $3700 each and every year for simple "investment guidance and portfolio management." If they're loosing money on that, then t...
by neurosphere
Tue May 10, 2016 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Traditional IRA cannot deduct from Income tax
Replies: 43
Views: 2691

Re: Traditional IRA cannot deduct from Income tax

Got it. So she converts the Traditional into Roth, she doesnt pay taxes during the conversion on $5500, but pays on the "growth" that is there at that point. Once it becomes Roth IRA, the principal AND growth will be tax-free at retirement age, as it usually with Roth IRAs, right? Yes, I ...
by neurosphere
Tue May 10, 2016 10:34 am
Forum: Investing - Theory, News & General
Topic: "Save $52,000 on Financial Advice" Forbes
Replies: 103
Views: 12072

Re: Gems from Allan Roth, CPA,

These are "Gems" from Allan's book: "How a Second Grader Beat Wall Street" : Here are a couple of "gems" from Allan's ADV form. Allan Roth has been publicly critical of how little the fiduciary standard means in the financial services industry. I admire someone who say...
by neurosphere
Mon May 09, 2016 6:51 am
Forum: Investing - Theory, News & General
Topic: Where is Rick Ferri? [Portfolio Solutions management and fee structure]
Replies: 95
Views: 15801

Re: Where is Rick Ferri? [Portfolio Solutions management and fee structure]

Does anyone think the fee changes or the "additional services" tiers at Portfolio Solutions are an indication of the failure of low-cost AUM as a business model? If so, is it the failure of that model to be sufficiently profitable, OR is it the failure of the consumer to understand the imp...
by neurosphere
Sat May 07, 2016 10:46 am
Forum: Investing - Theory, News & General
Topic: Where is Rick Ferri? [Portfolio Solutions management and fee structure]
Replies: 95
Views: 15801

Re: Where is Rick Ferri?

Thank you for that information. I looked-up the amended ADV (as of 5/6/2016), and some things come immediately to light when comparing to the ADV provided to clients on 3/31/2016 75% of Portfolio Solutions is owned by James S Gladney (http://libertycapitalventures.com/management/james-s-gladney/) w...
by neurosphere
Sat May 07, 2016 9:47 am
Forum: Investing - Theory, News & General
Topic: Where is Rick Ferri? [Portfolio Solutions management and fee structure]
Replies: 95
Views: 15801

Re: Where is Rick Ferri?

I don't think it is good form to be digging stuff up on Rick and posting it to this forum. I think this is especially so when a thread just like this was already locked by the admins. :annoyed I would agree that we should not "dig stuff up" on anyone. I'll be the first to praise Rick. I'v...
by neurosphere
Sat May 07, 2016 8:54 am
Forum: Investing - Theory, News & General
Topic: Where is Rick Ferri? [Portfolio Solutions management and fee structure]
Replies: 95
Views: 15801

Re: Where is Rick Ferri?

I have a ton of respect for Rick, having followed him here for many years and having spent time with him at Diehards V - the Bogleheads reunion held in Las Vegas in 2006. I don't want to speculate in a public forum, but a thorough reading of Portfolio Solutions most recent Form ADV may help those i...
by neurosphere
Fri May 06, 2016 6:40 pm
Forum: Investing - Theory, News & General
Topic: Where is Rick Ferri? [Portfolio Solutions management and fee structure]
Replies: 95
Views: 15801

Re: Where is Rick Ferri?

When I see posts such as this, I'm jealous that no one asks "Where is Neurosphere?" when I don't post for a few days. :D :wink:
by neurosphere
Mon May 02, 2016 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: [SOME!] VG Tax-Exempt Funds are exempt from the disallowance of losses on shares held less than 6-months
Replies: 10
Views: 1000

Re: VG Tax-Exempt Funds are exempt from the disallowance of losses on shares held less than 6-months

FYI: It appears to me that the new Tax-Exempt Bond Index Funds from Vanguard (VTEBX, VTEAX, and VTEB) are subject to the special rule about shares held less than 6 months. More detail in this post: https://www.bogleheads.org/forum/viewtopic.php?p=2890828#p2890828 Perhaps the thread title should be ...
by neurosphere
Sun May 01, 2016 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Muni Funds ?
Replies: 11
Views: 1027

Re: TLH Muni Funds ?

Does this mean you could buy today and sell tomorrow with a loss and the loss is dedictible? Careful here. The 6 month rule in this case refers only to any interest paid out by muni funds during the previous 6 months. It used to be (and for certain muni funds may still be) that you had to reduce th...
by neurosphere
Sun May 01, 2016 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Muni Funds ?
Replies: 11
Views: 1027

Re: TLH Muni Funds ?

This still comes up every so often. I believe it is because the exception to the 6 month rule for munis is relatively recent.

See this post: viewtopic.php?f=2&t=175228&p=2889603#top
by neurosphere
Sat Apr 30, 2016 10:04 am
Forum: Investing - Theory, News & General
Topic: "Save $52,000 on Financial Advice" Forbes
Replies: 103
Views: 12072

Re: "Save $52,000 on Financial Advice" Forbes

Kitces also refers readers to the CFP board of standards at https://www.kitces.com/wp-content/uploads/2015/06/CFP-Board-Notice-To-Members-on-Fee-Only-Compensation-Disclosure.pdf Which contains this definition of fee only: The “fee-only“ definition set forth in the Standards of Professional Conduct ...
by neurosphere
Sat Apr 30, 2016 9:49 am
Forum: Investing - Theory, News & General
Topic: "Save $52,000 on Financial Advice" Forbes
Replies: 103
Views: 12072

Re: "Save $52,000 on Financial Advice" Forbes

As I noted in an earlier post, one "fee only advisor" we contacted expected to be paid a regular monthly fee of $500 for " periodic "consultations as desired" . These consultations would not include specific funds or portfolio recommendations. To get those , we'd have to go...

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