Search found 120 matches

by standard7
Wed May 27, 2020 7:07 pm
Forum: Personal Investments
Topic: Is Vanguard's Personal Advisor Service Worth It???
Replies: 138
Views: 10765

Re: Is Vanguard's Personal Advisor Service Worth It???

So at the right time, it's a simple task to slide the entire portfolio into the PAS account and it will be managed in the manner that we are comfortable with, create spending accounts, RMDs etc. That's the first time I've seen/heard of that. Even Vanguard doesn't advertise that, as far as I'm aware...
by standard7
Sat May 23, 2020 10:53 am
Forum: Personal Investments
Topic: Is Vanguard's Personal Advisor Service Worth It???
Replies: 138
Views: 10765

Re: Is Vanguard's Personal Advisor Service Worth It???

Nastywarnob - However, my wife would have zero interest (and has no experience) in running the investments should something happen to me....and I am quite happy to have that fallback plan in place to insure she’d be supported from a portfolio management perspective. Also, who knows about cognitive a...
by standard7
Fri May 22, 2020 10:18 pm
Forum: Personal Investments
Topic: Is Vanguard's Personal Advisor Service Worth It???
Replies: 138
Views: 10765

Re: Is Vanguard's Personal Advisor Service Worth It???

Why would you need an advisor to create spending accounts and deal with RMDs? Is that complicated? We are a few years from withdrawing from our accounts and I didn’t think it would be something you needed an advisor to do. It isn’t difficult, it’s just a convenience for someone that enjoys other th...
by standard7
Fri May 22, 2020 12:38 pm
Forum: Personal Investments
Topic: Is Vanguard's Personal Advisor Service Worth It???
Replies: 138
Views: 10765

Re: Is Vanguard's Personal Advisor Service Worth It???

Similar to rockAction we have put a small portion of our portfolio into PAS. As rockAction has found, PAS includes our entire portfolio into the retirement calculations so the benefits extend beyond the limited funds that it currently manages. But here's our main rationale - the last thing that I wa...
by standard7
Mon Nov 25, 2019 3:01 pm
Forum: Personal Investments
Topic: tax software to testing future scenarios?
Replies: 6
Views: 504

Re: tax software to testing future scenarios?

Sounds like it will be helpful. I think I'll grab a copy of one of the majors.... maybe H+R or TurboTax and give it a try.

thanks again!
by standard7
Mon Nov 25, 2019 11:14 am
Forum: Personal Investments
Topic: tax software to testing future scenarios?
Replies: 6
Views: 504

tax software to testing future scenarios?

As "pre-tirement" becomes real, I've been considering a variety of possible scenarios. I've just read through the following article which got me thinking... are there any tax software (consumer oriented ie TurboTax) that would be good for running a bunch of different projections of both federal and ...
by standard7
Wed Nov 20, 2019 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Dental savings plans, anyone using one?
Replies: 15
Views: 1342

Re: Dental savings plans, anyone using one?

> It seems that the only option is to print out a card. It doesn’t appear that they send anything out.

I stand corrected. I received cards in the mail with additional information about the plan.
by standard7
Mon Nov 18, 2019 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Dental savings plans, anyone using one?
Replies: 15
Views: 1342

Re: Dental savings plans, anyone using one?

Hi Chris Thank you! Good to hear of a favorable experience we really like our dentist and they were very nice to help out with information about insurance/savings plans options. So we are going to continue to give it a try. Do you know if your plan is administered by dentalplans? It seems that the o...
by standard7
Thu Nov 14, 2019 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Dental savings plans, anyone using one?
Replies: 15
Views: 1342

Re: Dental savings plans, anyone using one?

Cpadave wrote:
Thu Nov 14, 2019 4:53 pm
I wish dentist would just give the best price to self pay vs insurance.

yup.
by standard7
Thu Nov 14, 2019 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Dental savings plans, anyone using one?
Replies: 15
Views: 1342

Re: Dental savings plans, anyone using one?

BogleMelon Thanks, yes I did confirm with my dentist. Not sure how this will play out, but based upon a brief conversation with them, the amount I paid for the plan will be returned with just the discount on the cleanings. Since I've always paid out of pocket I shouldn't be any worse than I have in ...
by standard7
Thu Nov 14, 2019 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Dental savings plans, anyone using one?
Replies: 15
Views: 1342

Re: Dental savings plans, anyone using one?

Hi Cpadave The guardian was more expensive at $32 a month but also covered 2 cleaning and pays 50% for filings. So my advice is to see if they accept actual insurance where they need to send claim even if not covered, so you can see the negotiated rate. You most likely also get a better negotiated r...
by standard7
Thu Nov 14, 2019 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Dental savings plans, anyone using one?
Replies: 15
Views: 1342

Re: Dental savings plans, anyone using one?

yup, that's a problem :) Like most plans it's probably not available everywhere. Although in my case I found that plans were available in my zip code, but my Dentist wasn't listed even though they are within the 10 mile radius, so I plopped in the zip code of my dentist and then I found them. After ...
by standard7
Thu Nov 14, 2019 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Dental savings plans, anyone using one?
Replies: 15
Views: 1342

Re: Dental savings plans, anyone using one?

Hi Nalor511 Thank you for the link. That discussion does bounce back and forth from an insurance plan to a savings plan which are very different. I was hoping to find some feedback from people using a Dental savings plan (not insurance). All discount plans are relatively similar, and offer similar b...
by standard7
Thu Nov 14, 2019 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Dental savings plans, anyone using one?
Replies: 15
Views: 1342

Dental savings plans, anyone using one?

Anyone using a dental savings plan? I have been investigating dental insurance or a dental savings plan, and I've just signed up for a dental savings plan. I have 30 days to try out the plan which offered a refund minus a $20 processing fee if not satisfied. I confirmed that my dentist will accept t...
by standard7
Tue Aug 13, 2019 10:35 am
Forum: Investing - Theory, News & General
Topic: [Deleted]
Replies: 41
Views: 5062

Re: Vanguard website fail at the propitious moment

>And for the record, I'm getting no response after hitting the logon button.

Loooong delay and finally displayed a blank page, then another minute or 2, and the page displays. Tried a couple different browsers and a couple computers all bad. They definitely have issues today.
by standard7
Mon Aug 05, 2019 3:10 pm
Forum: Personal Investments
Topic: Vanguard Flagship service [using PAS] vs Fee only advisor
Replies: 11
Views: 1197

Re: Vanguard Flagship service [using PAS] vs Fee only advisor

Your progress summary when you log in should show both your retirement and taxable accounts and whether you are "on course" to meet your goals, even though your asset allocation is only being handled by PAS.... correct? You already have experience with PAS and your taxable account. It has likely rem...
by standard7
Wed Jun 19, 2019 3:45 pm
Forum: Personal Investments
Topic: International fund pricing
Replies: 2
Views: 288

Re: International fund pricing

Fair value pricing is always in play. If Fair value pricing occurs on a daily basis that would be one complicated task. Seems like a very grey area, especially when a fund like VTIAX holds >6000 stocks. That's quite a few moving targets to keep track of. And a bit of guessing how the market will re...
by standard7
Wed Jun 19, 2019 10:50 am
Forum: Personal Investments
Topic: International fund pricing
Replies: 2
Views: 288

International fund pricing

I'm reading over the BH wiki entry on International Fund Pricing and I could use a little help parsing the info... How are the international funds priced when there is always a market open and trading somewhere in the world? Share price, also known as net asset value (NAV), is calculated each busine...
by standard7
Mon Jun 17, 2019 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Hsabank to fidelity-HSA
Replies: 29
Views: 2477

Re: Hsabank to fidelity-HSA

And the dollar amounts that ended up with Fidelity did not reflect a $25 deduction for the fee? I just checked and it doesn't show up as a fee anywhere on the HSAbank or FID statements but it appears that there was a $25 difference from the final statement and the amount deposited in Fidelity. Stil...
by standard7
Mon Jun 17, 2019 6:22 am
Forum: Personal Finance (Not Investing)
Topic: Hsabank to fidelity-HSA
Replies: 29
Views: 2477

Re: Hsabank to fidelity-HSA

I’m lost... I must have missed something. I don’t understand the need for the rollover in this situation or anything other than the HSA to HSA transfer which seemed to avoid all of the problems.
by standard7
Mon Jun 17, 2019 6:08 am
Forum: Personal Finance (Not Investing)
Topic: Hsabank to fidelity-HSA
Replies: 29
Views: 2477

Re: Hsabank to fidelity-HSA

>I think I'm just going to do a direct transfer Do you mean that you are still sending the money to your CMA or an HSA account linked to your CMA, essentially 2 accounts? I setup an HSA at FID then chose the transfer tab and indicated HSA bank as the source (yes as a bank). Completed the fields and ...
by standard7
Sat Jun 15, 2019 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Hsabank to fidelity-HSA
Replies: 29
Views: 2477

Re: Hsabank to fidelity-HSA

Jyb33- Yup I was one of the people that responded about how easy it was to move from HSABank to Fidelity and avoided your topic about using the CMA and doing a rollover. I’m speaking for myself and not others but the point that I didn’t say was that it seems to be much easier to spend a couple minut...
by standard7
Wed Jun 12, 2019 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Hsabank to fidelity-HSA
Replies: 29
Views: 2477

Re: Hsabank to fidelity-HSA

I just completed a transfer from HSAbank to Fidelity by setting up an account and then transfer from HSAbank all online via Fidelity. All money was held in the hsabank acct and nothing in the TDA brokerage, so it was easy. I just called HSAbank to see if the account was still open because I could st...
by standard7
Wed Jun 12, 2019 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Which withdrawal plan or method?
Replies: 17
Views: 1043

Re: Which withdrawal plan or method?

I guess it could impact your RMD, and the potential of greater after tax dollars if it works in your favor? But I really don’t know. My comment was simply to say that it seems that a comprehensive withdrawal plan, not just the bare withdrawal rate would consider Roth. Although it may determine it no...
by standard7
Wed Jun 12, 2019 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Which withdrawal plan or method?
Replies: 17
Views: 1043

Re: Which withdrawal plan or method?

A Roth conversion is not a withdrawal method. I consider it a way to pay less taxes. And paying taxes is a budget item. agreed, I can see why it wouldn't be included in that wiki page. But withdrawals are monies to be spent, not monies moved from one bucket to another within your portfolio (which i...
by standard7
Wed Jun 12, 2019 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Which withdrawal plan or method?
Replies: 17
Views: 1043

Re: What withdrawal plan or method?

Thanks for mentioning the Taylor Larimore Method I retired in June of 1982 at the age of 57. We had about a $1 million dollar portfolio to last us the rest of our lives. I didn't know about safe withdrawal rates (the Trinity Study wasn't published until 1998). We had no computers, Internet, Monte Ca...
by standard7
Wed Jun 12, 2019 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Which withdrawal plan or method?
Replies: 17
Views: 1043

Which withdrawal plan or method?

I'm curious, is anyone using RPM or i-ORP and following either plan... in real life retirement? There are plenty of people using the BH 3fund or similar for investments and often comment on their success with that model. I guess I'm looking for that type of feedback/review. If not, is there a better...
by standard7
Mon Jun 03, 2019 9:18 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe’s Your Complete Guide To A Successful And Secure Retirement Coming Soon
Replies: 29
Views: 5297

Re: Larry Swedroe’s Your Complete Guide To A Successful And Secure Retirement Coming Soon

Excellent book! I needed to skip around to accomplish a task but I look forward to going back through again. I do have a question, there were 2 notes in the book that say that you can't contribute to an HSA if you have filed for "Medicare and/or Social Security" and "when you enroll for either Socia...
by standard7
Mon May 27, 2019 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 421
Views: 48851

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Hi JoeRetire >Run it with that assumption and without to see the >difference in optimization strategies, if any. I have and it is a significant difference. The value of the proposed solution drops to 60% of the estimate if I include the 23% benefit reduction. And the suggested age for my filing chan...
by standard7
Mon May 27, 2019 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 421
Views: 48851

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Does anyone include the following into their calculation from the advanced features - Assume that Social Security benefits will be cut in the future - the 2018 Social Security trustees report estimates that if no legislative changes are made, benefits will have to be cut by 23% as of 2034. It has su...
by standard7
Fri May 24, 2019 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: deemed filing spousal benefits SS help please...
Replies: 9
Views: 702

Re: deemed filing spousal benefits SS help please...

Hi Silk Yes that makes sense. I see where I went wrong- LongRoad correctly wrote the following (it just took me a couple times for it to sink in.... :oops: ) It will be 1/2 * your PIA, minus the (COLA adjusted) amount that her own benefit had been reduced for early claiming. I misinterpreted somethi...
by standard7
Fri May 24, 2019 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: deemed filing spousal benefits SS help please...
Replies: 9
Views: 702

Re: deemed filing spousal benefits SS help please...

It will be 1/2 * your PIA, minus the (COLA adjusted) amount that her own benefit had been reduced for early claiming. You're correct that the spousal benefit stops increasing at her FRA, and is capped at 1/2 of your PIA. Perfect, so since she’s a little older when I reach my FRA we would have reach...
by standard7
Fri May 24, 2019 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: deemed filing spousal benefits SS help please...
Replies: 9
Views: 702

Re: deemed filing spousal benefits SS help please...

yes thanks, I found that. I also got carried away with playing with all of the other bells and whistles :)
by standard7
Fri May 24, 2019 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: deemed filing spousal benefits SS help please...
Replies: 9
Views: 702

Re: deemed filing spousal benefits SS help please...

Hi Silk Yes, thanks. I've been playing with the opensocialsecurity.com calculator and it's excellent! It does give her a starting date before her FRA. But not at her earliest eligible date. It seems that the assumption in the earlier post is correct when I added up her retirement benefits + spousal ...
by standard7
Fri May 24, 2019 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: deemed filing spousal benefits SS help please...
Replies: 9
Views: 702

deemed filing spousal benefits SS help please...

Wife - 63yrs old is eligible for her own benefits and applies now. But she will also be eligible for spousal benefits when her husband files. Husband - 61yrs old waits until 66y8m until FRA to file. From what I have read it appears that the deeming rules will automatically apply/file Wife for spousa...
by standard7
Sat May 18, 2019 7:35 pm
Forum: Personal Investments
Topic: What to do with HSA (HSAbank) money? NJ
Replies: 15
Views: 1439

Re: What to do with HSA (HSAbank) money? NJ

Thanks David,

I definitely under utilize the Wiki, the link is a good reminder and very good info.
by standard7
Sat May 18, 2019 7:41 am
Forum: Personal Investments
Topic: What to do with HSA (HSAbank) money? NJ
Replies: 15
Views: 1439

Re: What to do with HSA (HSAbank) money?

Hi David I have discovered the best way to learn about NJ/CA HSA accounts and where to invest.... search on - grabiner HSA It looks like there could be an entire forum for : NJ and California HSA investing many thanks. Thank you. Since I will be moving the HSA to Fidelity, what are your thoughts abo...
by standard7
Sat May 18, 2019 7:37 am
Forum: Personal Investments
Topic: What to do with HSA (HSAbank) money? NJ
Replies: 15
Views: 1439

Re: What to do with HSA (HSAbank) money?

Fyi: It took me three tries to close my HSA ank account after moving it to Fidelity. They kept racking up fees on the zero balance. Then they asked for a $25 fee to close the account although they previously stated there would be no fee. I finally got it sorted out. Hi 3-20Characters Well.. that do...
by standard7
Sat May 18, 2019 7:32 am
Forum: Personal Investments
Topic: What to do with HSA (HSAbank) money? NJ
Replies: 15
Views: 1439

Re: What to do with HSA (HSAbank) money? NJ

Hi Rai VTI Thanks, I do have enough total stock funds in the portfolio, so I'm good with that. And living in NJ, I have to wrestle with the problem that NJ doesn't recognize HSA accounts. HSA contributions are not deductible and all gains/interest are taxable. Looks like the iShares TIPS fund that D...
by standard7
Fri May 17, 2019 9:13 pm
Forum: Personal Investments
Topic: What to do with HSA (HSAbank) money? NJ
Replies: 15
Views: 1439

Re: What to do with HSA (HSAbank) money?

Thank you. Since I will be moving the HSA to Fidelity, what are your thoughts about FDLXX treasury only fund?
by standard7
Thu May 16, 2019 1:05 pm
Forum: Personal Investments
Topic: What to do with HSA (HSAbank) money? NJ
Replies: 15
Views: 1439

Re: What to do with HSA (HSAbank) money?

Well... I realized that I just don't want to add the annoyance of the TD Ameritrade account. So, I have decided to setup an HSA with Fidelity and move it out of HSA Bank. The no fee, and easier management seem like it will be worth the effort. And so far the move account setup and online form submis...
by standard7
Wed May 15, 2019 3:57 pm
Forum: Personal Investments
Topic: What to do with HSA (HSAbank) money? NJ
Replies: 15
Views: 1439

Re: What to do with HSA (HSAbank) money?

Hi MotoTrojan All good ideas+questions ! Yes to NJ. I did notice that there is TRowePrice NJ tax free fund in their no transaction fee category > NJTFX "look at portfolio as a whole" I can put this into either stocks or bonds and rebalance the rest of my portfolio to accommodate any offset. My feeli...
by standard7
Wed May 15, 2019 3:37 pm
Forum: Personal Investments
Topic: What to do with HSA (HSAbank) money? NJ
Replies: 15
Views: 1439

What to do with HSA (HSAbank) money? NJ

Well... the money in my HSA is roughly 15k and to be honest I have not done anything with it. I believe it's collecting somewhere between .35-.45%. My options are to look into offerings from TD Ameritrade. There is a very good discussion on NTF MMF's at TD Ameritrade here: https://www.bogleheads.org...
by standard7
Wed Sep 19, 2018 10:51 am
Forum: Personal Investments
Topic: Vanguard Personal Advisor - .30%
Replies: 23
Views: 3997

Re: Vanguard Personal Advisor - .30%

Hi Tibbitts Actually I was just addressing the OP Sorry I made the assumption, but I'm glad that it prompted me to add that info. Your point about external assets is important. I have only had brief discussions about external accounts with our PAS rep but I was interested in the following that the O...
by standard7
Tue Sep 18, 2018 8:00 am
Forum: Personal Investments
Topic: Vanguard Personal Advisor - .30%
Replies: 23
Views: 3997

Re: Vanguard Personal Advisor - .33%

Hi Tibbitts I'm assuming that you responded to my comment that I have a some in PAS and some not? If you have $100k at Vanguard but 100 times that at Fidelity, etc. then I don't think it's helping you because my understanding is they're not looking at that other money. If everything you have is at V...
by standard7
Tue Sep 18, 2018 7:26 am
Forum: Personal Investments
Topic: Vanguard Personal Advisor - .30%
Replies: 23
Views: 3997

Re: Vanguard Personal Advisor - .33%

but I'm not sure how much of what I use is part of the Advisor service or anyone could get it free. I think that it's not a question of what you can get for free, but what you would need to do for yourself and not be charged without PAS. There have been lots of good answers so far, I especially lik...
by standard7
Fri Sep 14, 2018 9:58 am
Forum: Personal Investments
Topic: Purchasing annuity for wife
Replies: 21
Views: 2742

Re: Purchasing annuity for wife

I was in a similar situation, I found myself wondering about what happens when I'm not here, and what kind of mess I may leave, both from a management standpoint and who do I trust to help. I was additionally motivated when someone we know lost her husband and shortly afterwards received a call from...
by standard7
Wed Jul 11, 2018 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Using Vanguard’s advisors
Replies: 81
Views: 15439

Re: Using Vanguard’s advisors

OK... so I called VG ( I was just being lazy) and got most of the answers. Instead of deleting my post I thought I'd just keep it incase anyone else has a similar thought. As per the original quoted comment I would not use PAS at this point just when I'm not here. A couple questions: Is an IPS an in...