14 posts tagged with planning and finance. (View popular tags)
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Please help me organize my investments and finances! (401k Rollover!)

Need help deciding what to do with my investment finances, including rolling over my prior Co. 401k rollover. I hold 2 401ks, 1 Roth IRA and I'm planning maybe on an index Fund. Details inside! [more inside]
posted by PetiePal on Mar 18, 2014 - 8 answers


Financial Planning Advice for a Financially Clueless Expat

I am a 29 year old American expat, living and working abroad in BRICs for nearly 6 years now, who needs help in getting my financial act together. Due to limitations of my company- I have not been able to contribute to a 401(k) for at least five years now, and in the last few years my salary has exceeded $135k/year, so I can't even contribute to a Roth IRA. As far as I can understand, there isn't really anything more in the basic United States system for retirement that I can take advantage of… so now what? Am I really on my own now? Are there any websites with info geared towards this? Or should I get a financial/wealth planner? Or an "expat" tax accountant? Or both? How do I even start to find one? I have no idea what to look for! [more inside]
posted by anonymous on Nov 5, 2013 - 9 answers

What should my elderly parents do with their only asset, a liquid $250K?

I'm seeking as many opinions as I can get from people with knowledge of financial advising and/or trusts & estates and/or estate planning, about what my parents (in their 80s) ought to do with their $250,000 in liquid assets. I'm NOT looking for the kind of detailed plan we'd get from an advisor whom we hire; I'm looking for short, quite general, common sense answers (such as "These ONE OR TWO types of instruments are good/bad; all others are to be avoided/considered.") I'm also looking for as many answers as I can get. In order to get that assortment of answers, I want to disclose only a very few specific things about the folks: 1. they currently rent an apartment; they do not own a home. 2. they are in their 80s--relatively healthy and can drive, shop, take care of themselves, but I'm not sure how long that'll last. I'd like to see them in a retirement community within a couple years. 3. Their only income (which doesn't amount to much) is social security. 4. They lose about $2,100 in total expenses every month. That's just about equal to what they take in each month. 5. Their one and only significant asset is a liquid $250,000. Okay, at their age, and considering all the above, WHAT IS/ARE THE MOST PRACTICAL THING(s) THEY SHOULD DO WITH THAT LUMP OF LIQUID MONEY? THANK YOU from their worried adult child with a family of my own!
posted by losdavos on Oct 24, 2013 - 14 answers

I'm going to be rich...assemble my staff.

I want to be prepared (tongue-in-cheek) for when I win 300+ million dollars in the Powerball lottery. The moment my winning numbers are selected, what kind of staff should I assemble to handle the $$$, protect my family's safety, and maintain the greatest anonymity possible and any other creative suggestions...all before I publicly turn in the winning ticket?
posted by teg4rvn on Feb 15, 2012 - 21 answers

Regrets, I've had a few...

Does anyone remember a blog post (possibly on a personal finance blog) about what people of a certain age wish they had known at a previous age? [more inside]
posted by jefficator on Jan 19, 2012 - 2 answers

Are there any retirement calculators that aren't super-simple?

Are there any retirement calculators that aren't super-simple? I'm specifically looking for a retirement calculator that would look sort of like multiple calculators where you could put in an age-range, and then all the normal inputs (starting age, starting retirement principal, income, income increase % year over year, % saved for retirement, etc). [more inside]
posted by mbatch on Mar 14, 2011 - 8 answers

Trying to wrangle a creative business into a business plan is tons more difficult than I expected

How am I supposed to make financial projections for a business plan when I don't even know how much money I'd earn in a month? [more inside]
posted by divabat on May 19, 2009 - 11 answers

An opportunity, or a pig in a poke?

How do I get the most out of a meeting with a financial advisor I don't particularly trust? [more inside]
posted by LN on Mar 19, 2009 - 10 answers

Allocating my assets between mutual funds in my IRA account

I have four mutual funds in my IRA account - a Total Market index fund, a Small-cap index fund, an International stock index fund, and a Bond index fund, and I'm trying to figure out how to allocate my assets between them. I've read a little bit about "Modern Portfolio Theory" and the "Efficient Frontier", but I'm struggling to understand some of the math. So, is there a simple way I can test whether a particular allocation is on the efficient frontier? Or, see all the possible allocations on the efficient frontier and choose between them? How do I figure this out? Ideally, I'd love to see a simple enough formula that, given the mean and standard deviation (and maybe correlation matrix), of my four funds, would tell me what allocation is on the efficient frontier. Or, some type of online tool, or an Excel spreadsheet or something. [more inside]
posted by stuehler on Feb 17, 2009 - 10 answers

Picking the right solo 401k provider

How should I evaluate prospective solo 401k providers? [more inside]
posted by gsh on Nov 17, 2008 - 2 answers

Selecting a Financial Planner: Fee v. Commission

How should I select a financial planner? Should I find a fee-only or commission-based planner? $150-$200/hour seems like a lot of money to me. [more inside]
posted by mshields on Mar 18, 2008 - 9 answers

Financial planning resources for U.S. expatriates?

What are some good resources to help an expatriate plan for retirement? [more inside]
posted by armage on Apr 29, 2007 - 1 answer

Selling an annuity?

What advice/information can any of you guys give regarding selling an annuity? I have a six-figure annuity sum due in about 2.5 years, but I could definitely use the money now for moving to NYC for graduate school. I wouldn't need to recieve the entire amount immediately, or, the entire amount minus whatever commission/percentages taken by the agency. I would actually prefer a low 5-figure sum to get on my feet in NYC and establish good credit, pay off loans, etc., and then whatever schedule that was determined to be prudent afterwards. Are there any banks, companies, agencies that would be recommended? Pitfalls I should watch out for? Am I potentially making a financial blunder?
posted by oog on Nov 28, 2005 - 10 answers

Personal Finance 101

Young married couple, mid-20's, good income: ready to take our finances more seriously. Who do we talk to? [more inside]
posted by junkbox on Oct 19, 2005 - 25 answers

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