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Financial Planning

Are You Confused About Investment Costs? Part 2: Custodian/Brokerage Costs

Submitted by Desmond Wealth Management, Inc. on March 8th, 2023

In our last piece, we covered fund management costs. Next, let’s take a step back from the mutual funds, ETFs, or other holdings you decide to invest in. Where do these holdings live — and what does it cost to buy, sell, and hold them?

 

An Account of Your Accounts

Tags:
  • 401(k)
  • Estate Planning
  • Financial Planning
  • investment
  • Investment Advisor
  • Investment Costs
  • Portfolio goals
  • Stock Market
  • Trading Costs
  • Read more

What’s in the SECURE 2.0 Act?

Submitted by Desmond Wealth Management, Inc. on January 31st, 2023

The original SECURE Act was signed into law on December 20th, 2019. Its “sequel,” the SECURE 2.0 Act, was similarly enacted at year-end on December 29th, 2022.

Tags:
  • 401(k)
  • 529 Plans
  • Emergency Fund
  • Financial Planning
  • Retirement
  • Roth IRA
  • Savings
  • Traditional IRA
  • Read more

When Should You Take Your Social Security?

Submitted by Desmond Wealth Management, Inc. on December 24th, 2022

Ever since President Franklin D. Roosevelt signed off on the 1935 Social Security Act, most Americans have ended up pondering this critical question as they approach retirement:

“When should I (or we) start taking my (or our) Social Security?”

Tags:
  • Financial Planning
  • Medicare
  • Planning
  • Retirement
  • Social Security
  • Read more

Tax Planning in Turbulent Times Part 1: The Tools of the Tax-Planning Trade

Submitted by Desmond Wealth Management, Inc. on October 16th, 2021

Whether you’re saving, investing, spending, bequeathing or receiving wealth, there’s scarcely a move you can make without considering how taxes might influence the outcome. No wonder people get nervous when there’s lots of talk about higher taxes, but little certainty on what may come of it, and who it might affect. 

Tags:
  • 401(k)
  • 529 Plans
  • DAF (Donor-Advised Fund)
  • Emergency Fund
  • Estate Planning
  • Financial Planning
  • HSA (Healthcare Savings Account)
  • Retirement
  • Roth IRA
  • Tax Planning
  • Traditional IRA
  • Read more

Is Inflation Haunting Your Financial Dreams? Part 2: What We Can Do About It

Submitted by Desmond Wealth Management, Inc. on September 15th, 2021

In our last piece, we covered the recent uptick in inflation, and what to make of it in a historical context. For investors, it’s important to take a step back and look at the big picture before acting on breaking news, but what if inflation does get out of hand, and stays that way for a while? 

Tags:
  • Financial Planning
  • Inflation
  • investment
  • Portfolio goals
  • Retirement
  • Read more

The Building Blocks of a Retirement Tier

Submitted by Desmond Wealth Management, Inc. on September 7th, 2021

When employees think about what it means to have enough money to retire, more than likely they are unsure how to translate their lifetime savings into income. For their entire working life, these employees receive regular paychecks; from this income, they generally construct a budget to cover their basic expenses.

Tags:
  • Financial Planning
  • Retirement
  • Read more

Smart Ways to Seal 401(k) Leaks

Submitted by Desmond Wealth Management, Inc. on May 23rd, 2021

What job does your 401(k) perform? Why do workers "hire" your 401(k)? Why does the "customer" sign up for your 401(k)? Remember, 70% of workers live paycheck to paycheck,1 so why would they allocate precious take-home pay to your plan? 

Tags:
  • 401(k)
  • Financial Planning
  • investment
  • Retirement
  • Read more

COVID-19 Relief Bill Addresses Key PPP Issues

Submitted by Desmond Wealth Management, Inc. on January 7th, 2021

By Jeff Drew at Journal of Accountancy
Updated: December 27, 2020

President Donald Trump on Sunday night signed into law the $900 billion COVID-19 relief bill passed Dec. 21 by Congress.

Key provisions in the bill include:

Tags:
  • COVID-19
  • Financial Planning
  • Paycheck Protection Program
  • Read more

Tax Law Changes Allow Year-End Charitable Planning Opportunities

Submitted by Desmond Wealth Management, Inc. on November 13th, 2020

As the end of the tax year approaches, it is worth spending a few minutes reviewing some of the changes that have been made in the tax laws surrounding donations to charities. In some cases, this guide will serve as a refresher regarding revisions made over the last few years, while in other cases there have been COVID-related changes that you may not be aware of.

Tags:
  • Charitable Giving
  • Financial Planning
  • tax return
  • Read more

Congress Adds More Uses for College Savings Plans (Sec 529 Plans)

Submitted by Desmond Wealth Management, Inc. on February 20th, 2020

On December 20, 2019, President Trump signed into law the Appropriations Act of 2020, which included a number of tax law changes, including extending certain tax provisions that expired after 2017 or were about to expire, retirement and IRA plan modifications and other changes that will impact a large portion of U.S. taxpayers as a whole.

Tags:
  • Financial Planning
  • tax return
  • Read more
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