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EMDW

"Thought I would throw my two cents here on safe harbor 401k plans for small businesses. I am signing up for guideline.com safe harbor for my 6 employee S-Corp. $40 per month or ($8.00 per employee) They carry Fiduciary responsibility 3 bp AUM fee. $500 setup fee $1000 termination fee within first ...

EMDW

We have the 3 funds portfolio mix (total stock, total bond, total international), prime money market and the target date funds available for 4 employees. We'll like to remove most of the target date choices and consider instead the lifestrategy funds to simply the choices. This is a non elective, sa...

EMDW

Single owner. 4 employees (ages 29-67). Employee Fiduciary. 401K (safe harbor non-elective: 3%) + profit sharing. New comparability method. Graded vesting schedule: After one year of service: 0% vested After two years of service: 20% vested After three years of service: 40% vested After four years o...

EMDW

Hello, Previous post: "We need a trust company for a family revocable trust. We will be the trustee and manager of the trust until our demise. We are considering Vanguard as the custodian for the trust (taxable accounts already with Vanguard and 401k are Vanguard funds; spouse uses other companies ...

EMDW

Which one of these 2 companies seems more reasonable (fees) as a successor trustee for investment/retirement/a home? 1. Local trust company: first $1M: 1% fee; $1-2 M: 0.8%, $2-5 M: 0.6%, over $5 M: negotiable. Minimum fee: $3,000.00. Will hire a realtor to sell home. Will pick their own funds but c...

EMDW

Hello, Thanks for the reply. I guess a neutral person/cpa firm may hire a realtor to sell the home and place the funds in the trust? I'm not sure how much to pay the potential cpa firm for the sale. Is this even feasible. Should I just have a family member sell the home instead? If you have other su...

EMDW

Hello, Previous post: "We need a trust company for a family revocable trust. We will be the trustee and manager of the trust until our demise. We are considering Vanguard as the custodian for the trust (taxable accounts already with Vanguard and 401k are Vanguard funds; spouse uses other companies f...

EMDW

Thank you both. Needed to understand the process of what to do after TLH and now I do.

EMDW

OP here. Sold VTSAX on 1-19-16 (harvested 85K) and bought VLCAX on same day. Bought more shares of VLCAX on 1-20-16 and 2-8-16. Distribution for VLCAX will occur this month. Should I buy back VTSAX now before distribution for VLCAX? Or should I stay with VCLAX until it turns a loss (which may never ...

EMDW

Transaction complete. No wash sale warning.

EMDW

It's already done with vlcax. Thank you.

EMDW

On the phone with vanguard. They want to know how long a plan on staying in this new fund, VLCAX, (exchange from total stock market) before they approve the transaction? what?

EMDW · Re: TLH First Time I meant on 1/19/16 because of the replacement shares?

I meant on 1/19/16 because of the replacement shares?

EMDW

Yes, I was trying to TLH 100% of the VTSAX (everything in this fund until today: move it to another fund). Maybe I've missed something crucial about TLH? I didn't consider/understand the replacement shares in this case. Confirmation from Vanguard about the specific id change will take place on 1/19/...

EMDW

Background: Tax rate over 39%, no substantial identical funds in spouse or my account (taxable and tax advantaged); 2 fund portfolio: Total stock market index admiral (VTSAX) in taxable; total bond (VBTLX) in 401K. Trying to tax loss harvest in the VTSAX since it's down by 83K. Info on vanguard site...

EMDW

http://www.cbsnews.com/news/best-small- ... -provider/
http://whitecoatinvestor.com/your-small ... qa-series/
http://whitecoatinvestor.com/starting-a ... qa-series/

EMDW

My understanding is that it is counted as part of the overall bond allocation but in a taxable account.

EMDW

What's wrong with EE bonds per this article? I thinking about buying for I and EE bonds next month. Thanks.
http://www.huffingtonpost.com/terry-sav ... 50060.html

EMDW

As your taxable accounts grow you will have to add bonds there to keep your AA since the contributions to taxable are outpacing the contributions to retirement accounts. In a stock market crash you can sell bonds in retirement accounts to rebalance and add stocks there too. I think your overall AA ...

EMDW

Preferred investing choices. See: https://www.bogleheads.org/wiki/Three-fund_portfolio See: https://www.bogleheads.org/wiki/Principles_of_tax-efficient_fund_placement However you get to a 3-fund portfolio is fine: individual funds/ETFs, or an all-in-one fund. The 3-fund portfolio is recommended for...

EMDW

You should put the money in when you have it, otherwise years may go by and you will miss out on growth :) DId you purposely leave out all International funds? I know some folks advocate 0% and some are all the way at 50% With a past history of sitting out with a large amount of cash, you may need ...

EMDW

What state do you live in, and what are your federal and state marginal tax rates? Kevin 39.6% fed, 5.25% state. Since I don't live in CA or NY, I don't qualify for the state specific tax-exempt muni. So perhaps, VWITX (vanguard intermediate term tax-exempt fund) might help. May consider the additi...

EMDW

Ages: late 40's. Debt: none. Portfolio: low 7 digits. Retirement 10-15 years from now. Current asset allocation: 2 fund portfolio 1. 70-60% stocks (vanguard total stock market index admiral: VTSAX): all in taxable account now. 2. 30-40% bonds (vanguard total bond market index admiral: VBTLX): all in...

EMDW

Consider this: http://whitecoatinvestor.com/the-downsi ... rporation/

EMDW

Consider this: http://www.mariakillam.com/countertopchoices/

EMDW

Thank you for your help in advance. I'm an owner of a small business with 4 employees. It is structured as an LLC but taxed as a sole proprietor. My new accountant is suggesting that I be taxed as a S-corp for 2015 to save more in taxes; this means I will require a W2 (biweekly pay) just like my emp...

EMDW

What are your experiences with any of these online banks? Thank you.

http://finance.yahoo.com/news/10-best-c ... 00430.html

EMDW

Any data available for the annual returns for the vanguard's 2 funds portfolio (total stock market index, total bond market index) vs. 3 funds portfolio (total stock market index, total bond market index, total international market index). Question is does the 2 funds or 3 funds portfolio perform be...

EMDW

I have a CD (certificate of deposit) in a Roth IRA at a federal credit union which matures on 3/25/15 ( 15K, rate is 0.399400%). Does it make sense to move the money over to my Vanguard Roth IRA (funded via the back door roth )? Thank you. Do you mean .3% or 3%? It is hard to answer your question w...

EMDW

I have a CD (certificate of deposit) in a Roth IRA at a federal credit union which matures on 3/25/15 ( 15K, rate is 0.399400%). Does it make sense to move the money over to my Vanguard Roth IRA (funded via the back door roth )? Thank you.

EMDW

If one built a custom home and wants to purchase a homeowner's insurance, should you include the total cost of the materials to build the structure and add the architect/builder's fee/furniture etc to estimate the cost to replace the structure? Thanks in advance.

EMDW

She has about 3K in a fidelity money market account in an IRA from previous employee. Thank you.

EMDW

Please help with TSP funds for a friend: 35 years old, single, 28% tax bracket, assume retirement at age 65, began work for the fed this month. Retirement options: TSP funds (G, F, C, S, I funds, lifecycle). https://www.tsp.gov/investmentfunds/lfundsheet/fundPerformance_L.shtml Questions: 1. The tra...

EMDW

placeholder wrote:My plan requires exhausting other funds in the account before hardship so employer match or after tax would need to be withdrawn first (not sure if that's a plan feature or the law).

This plan doesn't allow for loans.

EMDW

I agree a loan is better if it's feasible. Part of hardship requirements is to consider a possible loan first, unless doing so increases the hardship. I've never heard of a plan requiring a 6 month suspension of elective deferrals following a loan, but it's a requirement following a hardship distri...

EMDW

An colleague wants to withdrawal from his pretax deferrals in a 401k plan. The plan requires at least 1000 hours a year to move up on the vesting ladder. The plan states "if you take a hardship distribution, you may not contribute to the plan or other qualifying company plans for 6 months". Does the...

EMDW

My sibling just completed graduate school and has 2 traditional IRAs under the money market account with Fidelity with less than 5K total. He will begin working next month with a pay that will qualify him to contribute to a Roth IRA. He will like to move the money into a Lifestrategy growth fund wit...

EMDW

...if you have no heirs you may not need a living trust. ... It's often the opposite. I missed that. Your heirs (the persons who would inherit absent a Will) may be interested parties, so you may have to establish the absence of any heirs. If your closest relatives are your cousins, it can sometime...

EMDW

We have retirement accounts, a home that's paid off and a family LLC for taxable accounts. We have no heirs and no debts. Tax bracket is a little over 39%. Retirement in 20-25 years. Do we need a trust? Other asset protection plans? Thanks for your time. I think we'd like to hear about the benefits...

EMDW

I posted the general question because a friend sent me this link from suze orman which implies that everyone needs a revocable living trust. http://www.bankrate.com/brm/news/Financ ... ?caret=73a

EMDW

We have retirement accounts, a home that's paid off and a family LLC for taxable accounts. We have no heirs and no debts. Tax bracket is a little over 39%. Retirement in 20-25 years. Do we need a trust? Other asset protection plans? Thanks for your time.

EMDW

Suze Orman said on her show today to buy individual municipal bonds (not bond funds) through a good advisor as rates are around 5%. How does one pick a "good advisor" in this case? Someone on the show had an additional 100K to invest after her retirement account/debt were fulfilled. Please educate m...

EMDW

Some of the parents already have a 529 set up already which I will contribute, the others are financially unable to set up this account. I'm looking for long term other choices they can you if needed towards college expenses. From a financial aid perspective, it might be better to set up new accoun...

EMDW

For the upcoming holidays, I would like to contribute to an established 529 plan for nieces/nephews (10 kids, ages 2-10, $100 each) instead of the usual toys. Some of the parents already have a 529 set up already which I will contribute, the others are financially unable to set up this account. I'm ...

EMDW

6) I disagree with your choice of Asset Location. Read this easy to understand paper http://papers.ssrn.com/sol3/papers.cfm? ... id=2317970[/quote]

May you please expand on this? I read the article, but need help understanding which asset locations will be more suitable in my case. Thanks.

EMDW

At that tax rate I would stick with the Traditional 401K so you get the current year tax savings. $17,500 x 2 = $35,000 $35,000 x (0.396 + 0.055) = $15,785 less tax paid per year, more than $300K in tax savings over the next 20 years. This is a sure thing that does not require speculation about you...

EMDW

Our retirement plan has an option for a Roth 401K. Would this make sense for me to consider? Have over 20 years before retirement. Tax bracket 39.6% (fed) 5.5% (state). No debt. Asset allocation: 70% stocks/30% bonds. Also, is a back door roth IRA part of the equation here? Thanks in advance for you...

EMDW

Thank you. So then I leave the lifestrategy fund (80/20) in the tax advantaged account and possibly mimic the same allocation in a taxable account with total stock market + total international = (80%) and munis (20%, munis bond fund or just munis?) to get the 80/20 here also? You certainly could, b...

EMDW

Perhaps the confusion for me is that I keep reading on these posts (ie. Municipal Bonds - Pro's and Con's) that if you are in a high income tax bracket and have maxed out your retirement plan then the next best placement of fund should be in munis. Assuming I am willing to take changes on losing/ga...

EMDW

Let us assume that loosing money is no longer part of the equation. Assuming I can contribute at least 150K yearly to a taxable account and 51K to a tax advantaged account (max for a 401K). What strategy would you recommend to keep an asset location of 70/30-60/40? I'm currently in the 80/20 lifestr...

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