| Subject | Date Asked | Expert |
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| IRA | 10/31/2009 | Bruce Julien |
Q: I have a mutual fund traditional IRA with TR Price that is giving me 0% interest and I am ...
A: David You have to ask TRPrice I can't offer specific investment advise on this forum. If they ...
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| IRA divorce rules | 10/29/2009 | John D Smith, CFP |
Q: One of my best friends in the middle of a ugly divorce has an IRA that was supposed to be ...
A: Each state has their own set of rules in figuring splits between divorced spouses and the final ...
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| Retirement & Education planning | 10/25/2009 | John D Smith, CFP |
Q: We are an Indian couple(33 and 30ys old)working n living in UAE.I will give u a background of our ...
A: Since you live in India, these questions are outside of my area of expertise. In regards to a ...
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| IRA | 10/22/2009 | John D Smith, CFP |
Q: I just turned 59 1/2 and I have an IRA worth about $8000. I noticed recently that it is earning no ...
A: Yes, you can roll the IRA into another IRA at a qualified financial institution. When doing so, as ...
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| IRA | 10/19/2009 | John D Smith, CFP |
Q: We have an flex index annuity that has made no $ for several years. We want to rollover the penalty ...
A: More than likely, the reason you annuity hasn't performed well is because of how it is invested vs ...
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| Hedges Against a Weakening Dollar | 10/19/2009 | John D Smith, CFP |
Q: Can you recommend the best hedges against a possible severe weakening dollar/high inflation? I ...
A: If you are looking strictly for a hedge against a weakening dollar, then you could purchase shares ...
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| 2010 rollover rules | 10/11/2009 | Bruce Julien |
Q: I've been cleared to make a voluntary contribution to my csrs retirement with after tax money. Can I ...
A: Earl Not familiar enough with the CSRS to say. Anyway you have to be able to roll over, and if you ...
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| Retirement account | 10/10/2009 | John D Smith, CFP |
Q: I am a small business owner myself and my wife are the owners and employees. One years ago I opened ...
A: The indivdual, or solo 401k, is available only to business owners, their spouses and children. Once ...
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| investment | 10/9/2009 | Bruce Julien |
Q: We are retired-77 yrs old- income under $100,000 but above $50,000. Draw Soc. Sec. Pension, RMD ...
A: Charles I don't know what you meant by " (and your spam letters are really tough to read. not clear ...
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| family trusts:Jersey | 10/8/2009 | John D Smith, CFP |
Q: Can a father, living in France, mount successive family trusts in Jersey, when he lives in France? ...
A: I apologize, but given the fact that your father is British, lives in France, and wants to set up ...
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| regarding finance | 10/6/2009 | John D Smith, CFP |
Q: i am a management student & finance intrigues me. i want to know how to obtain information / study ...
A: There are many great books available that discuss these issues. However, the following are ...
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| retirement planning | 10/6/2009 | John D Smith, CFP |
Q: my question is this would a 401k or an ira be better to use for retirement my wife is a teacher in ...
A: The general concept of 401k and IRA are the same in that the dollars inside of the account grow tax ...
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| regarding finance | 10/6/2009 | John D Smith, CFP |
Q: i am a management student & finance intrigues me. i want to know how to obtain information / study ...
A: If you are interested in pursuing investments for personal interest, then there are a number of ...
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| guaranteed income | 9/30/2009 | Bruce Julien |
Q: I am exploring options for receiving a guaranteed stream of income for at least 25 years of ...
A: Aaron this is contentious in the advisor community You have several options and each is complex ...
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| new home as an investment | 9/28/2009 | John D Smith, CFP |
Q: Assumption: There will be double digit inflation in the next 5 years. Q: Should I pay for my new ...
A: The answer to your question is dependent on several factors, some of which are financial and others ...
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| Using Annuity for down payment | 9/23/2009 | Bruce Julien |
Q: Can i use my annuity for a down payment on a house without paying it back? Are penalties involved ...
A: You can cash it out if you want Don't do it You pay all the built up tax on it, a penalty imposed ...
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| New Financial Advisor - unprofessional or illegal? | 9/21/2009 | Bruce Julien |
Q: I have a New Fin. Advisor who I don't think is very professional, but is he doing anything wrong? ...
A: Can't exactly tell Helen. He wrote a letter that "you" wrote asking for certain things and since ...
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| New Financial Advisor - unprofessional or illegal? | 9/21/2009 | Bruce Julien |
Q: I have a New Fin. Advisor who I don't think is very professional, but is he doing anything wrong? ...
A: Helen Icon Funds is a mutual fund family, but you aren't sure if you are sending money there ...
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| becoming a Registered Investment Advisor | 9/21/2009 | Bruce Julien |
Q: My passion is stocks and bonds. I've invested for 45 years. I'd near selling my businesses. I'd ...
A: Victor Join an existing RIA firm. If your passion is stocks and bonds, you will hate having to do ...
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| guaranteed annuity?the | 9/18/2009 | Bruce Julien |
Q: ten years ago my wife purchased a GuaranteedAnnuityy. she was told that the quarantee was 6% of her ...
A: You will lose this argument though a consumer should have more guidance from the agent/company. They ...
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| "guaranteed" anuity | 9/18/2009 | Bruce Julien |
Q: ten years ago my wife purchased a GuaranteedAnnuityy. she was told that the quarantee was 6% of ...
A: You have to take that up with the insurance company. Bet you were "told" this all by the agent but ...
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| paying credit line vs investing | 9/15/2009 | John D Smith, CFP |
Q: I have the following dilemma. I am 46 years old and I make a good yearly income which varies a bit ...
A: The correct answer to your question depends on how the investments perform between now and the time ...
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| Inheritance - tax on investments | 9/11/2009 | John D Smith, CFP |
Q: I, along with a few siblings, recently inherited some investments from my parents' estate. The ...
A: There are 2 sets up taxes that you need to consider; 1 is the estate tax which is sounds like is not ...
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| pay of loan or save money | 9/11/2009 | John D Smith, CFP |
Q: I am 28 years old and am just now starting to have enough money saved that I need to consider what I ...
A: Unfortunately there is no one answer to this question that is right for everyone since it is ...
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| RMD on 401Ks | 9/9/2009 | John D Smith, CFP |
Q: I'm within a year from retiring and I am totally in the dark about RMD. Perhaps you can suggest a ...
A: Under normal RMD distributions, the amount withdrawn is based on a % of the prior year end account ...
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| Keeping stock in street name | 9/3/2009 | John D Smith, CFP |
Q: Where can I find information about the risk of keeping stocks with brokers, (i.e. in "street name") ...
A: I would visit the SEC website as mentioned in my previous answer. If you don't find the information ...
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| Keeping stock in street name | 9/3/2009 | John D Smith, CFP |
Q: Where can I find information about the risk of keeping stocks with brokers, (i.e. in "street name") ...
A: As long as you keep the stocks registered with an independent custodian and get accurate record ...
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| Financial manjement | 9/1/2009 | Bruce Julien |
Q: i believes that investing Rs.1 million in each of the 10 different textile businesses would ...
A: Strider No opinion on the validity of your strategy except to comment that diversification is ...
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| Transaction/funding from selling a property and terms/investments advice | 8/17/2009 | Bruce Julien |
Q: I am in the process of selling a vacant land and have made good agreement with the seller for a ...
A: How you take the money doesn't affect the gain or loss on the transaction, unless you jacked up the ...
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| Transaction/funding from selling a property and terms/investments advice | 8/16/2009 | Bruce Julien |
Q: I am in the process of selling a vacant land and have made good agreement with the seller for a ...
A: Was this a question from real life or a text James? There isn't any tax advantage in either case. ...
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| Second house use | 8/12/2009 | Bruce Julien |
Q: My mother has been living in central California in her house for the past 30 years. My father in ...
A: Carl sorry you are in this boat - my own situation is in this world too. You NEED to sit with a ...
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| RMD | 8/4/2009 | Bruce Julien |
Q: Can you satisfy the RMD from a 403(b) by taking a withdrawal from a IRA? ANSWER: Tim Yes Bruce ...
A: Tim on page 33 of 46 of Pub 575 they come closest to helping us out here, but using the IRA might ...
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| 72(t) | 7/28/2009 | John D Smith, CFP |
Q: I received a check from a mutual fund where my IRA used to be. This check was part of a settlement ...
A: Based on my understanding of Rule 72t, since the amount you are required to withdraw is fixed and ...
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| Investing in 401(k) | 7/27/2009 | Bruce Julien |
Q: I have yet to invest in my 401(k). I have been reluctant due to lack of knowledge and a fear of ...
A: Invest please Kristy There should be many options to invest in within the plan, one should suit ...
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| hello | 7/27/2009 | John D Smith, CFP |
Q: I have made an output table of my income and list of expenses. I am trying to do the following, but ...
A: I aplogize, if my response does not answer your question as I am not sure I completely understand ...
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| 401K | 7/26/2009 | Bruce Julien |
Q: Mr. Julien: I have money taken out of my check at work every two weeks to be contributed to my ...
A: Put the money away. You've ridden the market down. It will come back. You are buying into these low ...
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| Money/Investing in Future | 7/23/2009 | Bruce Julien |
Q: I need an outsiders perspective. I am 31 yrs old, a stay at home mom living in Sherwood, OR. My ...
A: Adria I really don't have an answer for you. You flim flammed yourself around trying to outthink ...
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| Investments in Roth IRA | 7/18/2009 | John D Smith, CFP |
Q: My question concerns asset location in a Roth IRA vs. a traditional IRA. Does it make sense to put ...
A: You bring up an important concept as asset location is something me and my firm spend a lot of time ...
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| Pay off the mortgage or invest. | 7/18/2009 | John D Smith, CFP |
Q: I owe 70,000 (value 200,000 home) with 8 years remaining on a 15 year mortgage with a 5.5 % interest ...
A: Your question is a good one, although there is no right answer that applies to everyone. From a ...
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| questions about the future of the global economic crisis | 7/17/2009 | John D Smith, CFP |
Q: I reside in the US and I'm seriously considering relocating to another country for different job ...
A: Your question is a good one and at the same time a complicated one. For me personally, I do not feel ...
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