asset – MD Update

Back to Basics

April 1, 2021April 14, 2021 Scott Neal Alka-Seltzer commercial, amount of payoff, asset, balance, balance sheet, balance sheet date, basics, cash, cash flow, categorization of the asset, checkup, coronavirus vaccine, debt, dynamics of a balance sheet, fizz, foolish action, inflow, JTWROS, liability, liquidity of the asset, negative net worth, net worth, old Alka-Seltzer commercial, payoff, payoff date, plop, right of survivorship, rollout of the coronavirus vaccine, Scott Neal, sheet, snapshot of a point, spouse 's asset, tax-deferred, tax-deferred retirement account, Tax-Deferred retirement asset, taxable asset, track of net worth, worth

Remember that old Alka-Seltzer commercial that began, “Plop, plop, fizz, fizz, oh what a relief it is?” I don’t think

Read more

The SECURE Act and Your Retirement

February 1, 2020April 2, 2020 Scott Neal 70½, asset, beneficiary, bracket, bracket management, carryforwards, consideration, conversion, critical decision factor, current tax regime, deceased owner, decision factor, free income, future generation, high tax bracket, important provision of the act, income recognition, income recognition strategy, inherited IRAs, insurance, IRA, IRA beneficiary designation, IRAs, IRS table life expectancy, job act, large retirement account relative, life insurance, low tax year, minimum distribution, must start, non-retirement, non-retirement account, non-spouse, non-spouse beneficiary, plan opportunity, prior plan, prolong wealth, re-evaluated, reprieve, retirement, retirement account relative, retirement asset, retirement enhancement, RMDs, Roth, Roth asset, Roth conversion, Roth distribution, Roth IRAs, Roth reprieve, Scott Neal, secure act, stock advice, strategic approach, tax bracket, tax-free, tax-free distribution, tax-free growth, taxpayer, top of the current 24% bracket, traditional IRAs, traditional retirement asset

For as long as I can remember, the stock advice about IRAs has been to stretch them out as long

Read more

Smarter Investment Objectives

November 1, 2019February 21, 2020 Scott Neal aspect of liquidity, asset, asset 's tax, available cash, cash, cash flow, category, charitable organization seek year-end contribution, difficulty set investment goal, dividend, Droms, economic benefit, economic benefit of an investment portfolio, elimination of capital gain, G., Georgetown university 's William G., immediate taxation, immediate taxation of dividend, important tax benefit, investment, investment goal, investment portfolio, liquidity, little quiz, MD-UPDATE, MD-UPDATE issue, moderate growth, portfolio, qualified retirement account, question of allocation, quiz, retirement account, risk tolerance, Scott Neal, security selection, share of a widely-traded stock, smart give, smart investment objective, substantial growth, tax benefit, tax consideration, tax-efficient invest, tradeoff, valid entry, widely-traded, widely-traded stock, work of Georgetown university 's William G., year-end contribution

Before we get into the topic for this issue, I offer a reminder. If the contents of your inbox resemble

Read more

Buffer for the Wealthy

November 1, 2019February 21, 2020 Calvin Rasey American benefit council, asset, benefit council, buffer, compensation plan, contribution limitation, decent return, deferred compensation plan, earner, future retirement, grip of uncle, guaranteed pension, high income earner, income earner, income limitation, indexed Universal life, indexed Universal life insurance, IRAs, IUL, market year, massive tax hike, pendulum, pension, political party occupy congress, portion of the asset, profit share plan, qualified retirement plan, rental real estate, retirement, retirement asset, retirement tax buffer, risk buffer, Roth IRA, stock, tax bracket, tax buffer, tax pendulum swing, tax treatment of indexed Universal life, taxable brokerage account, tidy little nest egg, Universal, Universal life, Universal life insurance, US government accountability office, versatility

Today, more than ever, physicians are concerned with retirement. I believe that, due to market volatility and massive tax hikes,

Read more

College Affordability 101

October 1, 2017March 23, 2018 Scott Neal admission, admission pitch, asset, borrow money, child 's high education cost, college affordability 101, college choice decision, cost of high education, decision deadline approach, direct student loan, education fund goal, EFC, expected family contribution, expected quality, expected quality of life, expected total cost, expected total cost of education, FAFSA, FAFSA form, family 's overall long-range, family contribution, federal student aid, financial aid, financial plan, financial planner, free application, loan, parent 's asset, parent 's income, pay 1/3, planner, repayment, school 's rank, Scott Neal, significant financial decision, student 's income, student 's projected asset, student aid, student loan, task of the admission office, tax-exempt account

The college choice decision is one of the most stressful, and arguably, one of the most significant financial decisions that

Read more

Different Strokes

February 1, 2017March 23, 2018 Scott Neal accompany chart, accompany chart of the S&P 500, Alexander elder, allocation, asset, asset allocation, buy-hold-and-rebalance, buy-low, chart book, chart combine inertia, chart of stock price, Dodd 's security analysis, early proponent of asset allocation, elder, elder 's chart, fast personal computer, finance professor, investment, investment professional, lead school of finance, level of volatility, mantra, mantra of investment professional, modern portfolio theory, Mordecai Kurz, optimal point, optimization of risk, order of the day, PnF, point-and-figure, portfolio theory, practical limitation of modern portfolio theory, Professor Markowitz, Roger Gibson, S&P 500, Scott Neal, static asset allocation, stock, stroke, teacher of trader, technical analysis, trader, trader 's attention, trend shift, update of point-and-figure, value-oriented invest, volume data, while price, widely-used investment textbook, wise investor

Once upon a time, the most widely-used investment textbook was Graham and Dodd’s Security Analysis. Still relied upon, it was

Read more

Time for a Talk

July 1, 2016 Scott Neal accident cause incapacitation, actual care plan, adult day service, asset, Brexit, broad vision of long-term care, care plan, care questionnaire, cost of care, day service, Dr. Ken Murray, end of life plan, extensive long-term care questionnaire, family goal, family-specific, family-specific consideration, health event, Healthcare improvement, home private, home residency, home semi-private, homemaker service, human service project, idea of Medicaid plan, important communication, inform family, inform family of expectation, insurance, Kentucky, long-term care, Medicaid, Medicaid plan, needed care, not-so-fun, not-so-fun fact, nurse home residency, nurse home semi-private, potential cost of care, private pay, Scott Neal

Long-term care, often interpreted as a euphemism for nursing home residency, is hard to think about. And even harder to

Read more

Maintaining Optionality

May 1, 2015 Scott Neal 14 % more money, 20 % decline, advantage of a down market, Antifragile, appropriate strategy, asset, asymmetric upside, author of good seller, available cash, average new money, brief economics lesson, bucket approach, buy-hold-and-rebalance, buy-hold-and-rebalance strategy, cash, cash rest, conventional monetary policy, dollar-cost, dollar-cost average, down market, economics lesson, efficacy of ZIRP, face of ZIRP, fed fund rate, five year CD, fund rate, go-go year, hypothetical dollar-cost, interest rate, investor, legendary investor, limited downside, money market rate, more money, non-conventional policy, Optionaility, Optionality, past four, portfolio, price of financial asset, property of asymmetric upside, real beauty of dollar-cost average, S&P 500, Scott Neal, specific goal, stock, traditional advice, unique property of optionality, value of cash, value of cash rest, zero-interest rate policy, ZIRP

We begin with a brief economics lesson and then move to how it affects investors. During periods of slow economic

Read more

Retirement. What Retirement?

July 1, 2014March 28, 2017 Scott Neal 70½, amount of investment asset, answer, asset, bracket, chosen lifestyle, current live standard, expected tax bracket, expense of current live standard, goal-setting method, income replacement, investment, investment portfolio, let 's break, live standard, misplaced priority, outset of retirement, people ask, portfolio, pre-retirement, quantifiable answer, required age of 70½, retirement, retirement goal, save question, Scott Neal, social security, start of social security, stock advice, targeted retirement, tax bracket, total accumulated tax bill

Lately we hear many people asking, “Will I have to work for the rest of my life?” My response, “It

Read more

New Highs: What to Do Now!

June 1, 2014March 28, 2017 Scott Neal advisor, all-time high, amount of self-exploration, appropriate investment strategy, asset, asset allocation, assumption, capacity, capital preservation strategy, chosen asset allocation, consideration of the data, current investment, current situation, data gather process, fed, financial strategy, gather knowledge, good interest, good interest of the advisor, good look house, good quarter, good quarter of growth, high level of volatility, investment, investment strategy, investor, new high, next step of the data gather process, preservation strategy, quantitative ease, recession-induced, recession-induced catastrophe, relevant question regard risk tolerance, risk capacity, rosy outlook, S&P 500, Scott Neal, self exploration, short-term decision make, strategy, time horizon, tolerance, tool support, unprecedented level of quantitative ease, vision, wealth growth strategy

Some people look at the S&P 500 at 2,000 and the DOW at 17,000 and feel that they have missed

Read more

← Previous