Legislation impacts your day-to-day life, but have you considered how legislation impacts your financial plan? Heather talks about the importance of knowing how your finances might be affected by legislation. "They [legislators] can always change the rules because they always do change the rules. Knowing those rules and what we can currently do today, and how that may affect you in the future is really critical." Do you know how your finances are being impacted by legislation change?
Heather talks about the importance knowing where your income is coming from. Watch to learn more about your money.
Do you know what IRMAA is and how it impacts your finances? Check out this video where Heather explains how, "This mean little thing [IRMAA] is in the background, waiting for you to pay some extra premiums..." Watch to learn more!
Heather discusses the key to lump sum payouts. "If interest rates go up, your payouts go down...I've seen as high as a $150,000 difference if they [clients] wait to retire a month or two..." Watch to find out more about this inverse relationship!
Don't let your emotions dictate your investment decisions. In a 10 year period, if you were not in the market for the top 10 trading days...say 2010-2020, your return would have suffered by almost 50%. It only takes 10 days to greatly impact your return in a 10 year period. Watch to find out more.
Heather talks about the rising fixed interest rates and how you can benefit from these changes. Watch to find out more.
If you have a full financial plan, and I mean a fully designed financial plan; tax strategizing, holistic financial planning, investment strategizing, income strategizing, then a downturn shouldn't effect you. It shouldn't emotionally effect you. Watch to find out more.
Heather talks about fixed income products; CDs, Fixed Annuities, Bonds. Watch to learn about fixed income products.
Heather talks about the Markets and which moves could benefit you, dependent on Market cycle. Watch to learn more.
How can you take advantage of a Market Downturn, other than doing Roth Conversions? Watch to find out!
The benefits and changes to the Indiana 529 plan.
529 Plans State tax laws and treatment may vary. Earnings on non-qualified distributions may be subject to income tax and a 10% federal penalty tax. Please consult your tax adviser for more information
The importance of saving for retirement and not relying solely on other sources of income.
It is important to look at your finances holistically when planning for your future. A change in your investments can affect other aspects of your finances, such as which tax bracket you are in, Health Insurance (IRMAA/Health Care Subsidies), and more.
Find out what a fiduciary is and what is means to work with one.
It is always a good idea to get a second opinion when it comes to your money. It is especially helpful to talk to a Holistic Financial Planner.
Do you know the important financial steps to take when a loved one passes away? Watch to find out.
Explore the benefits of starting early when it comes to planning for your retirement.
Learn how additional income can effect Medicare premiums and what to consider.
Learn what options you may have when it comes to your Pension.
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