Investor Bulletin on Life Settlements The Office of Investor Education and Advocacy is issuing this Investor Bulletin to highlight information about life settlements and some of the risks these types of transactions may pose for investors. Individual investors considering a life settlement transaction may wish to keep the following points in mind and seek guidanceContinue reading “Life settlement , what you need to know”
Category Archives: Finance
From spender at 20 yrs old to senior citizen at 66 yrs old
Life teaches us a lesson. Before we lose everything, create a budget and save. It is not late whether you are in the spender group or senior group, let me help you avoid RMD, and being broke or losing money in stocks or other high risk investments. Call for appointment. Connie Dello Buono, retirement plannerContinue reading “From spender at 20 yrs old to senior citizen at 66 yrs old”
No retirement income at 65, plan early and review yearly
I met two people this year who had made millions in the past 20 yrs and they are broke now with no retirement income. They prioritize mansions and others before they have ensured their most important asset, their life with sufficient retirement income, money during health threats/long term care, investments with no market risks andContinue reading “No retirement income at 65, plan early and review yearly”
How Can You Receive Nursing Home Benefits Without Losing Your Hard-Earned Assets?
Retirement_Asset_Protection connie dello buono You do not have to lose your hard earned money for lifetime retirement should you need nursing home care. Prepare many years in advance for asset protection and health planning. Government regulations for health care benefits look at your assets 5 years back. Plan for your estate, gifting your children andContinue reading “How Can You Receive Nursing Home Benefits Without Losing Your Hard-Earned Assets?”
FUTUREADVISOR.com is a free investment advisor
FutureAdvisor is an investment advisor that takes academically researched portfolio management principles and applies them to your situation. Our recommendation algorithms are based on these principles and academic works. 1. Index Investing: more effective than picking stocks FutureAdvisor’s algorithmic portfolio recommendations favor low-fee index funds. Not only do low-fee index funds perform better in the long run [1],Continue reading “FUTUREADVISOR.com is a free investment advisor”
Turning 50? it is not late to prepare for your retirement savings plan
A senior costs her three homes to pay for 15yrs of staying in a care home facility.She has no retirement savings, long term care or other means of generating income. Her diabetes caused her death after 15 yrs in a care home with not enough exercise and motivation to eat healthy food even when theContinue reading “Turning 50? it is not late to prepare for your retirement savings plan”
Minimum death benefit maximum cash accumulation tax free, risk free
A secret for the affluent, a life insurance that is tax free, linked to inflation (stock market) and indexing investment strategy, participating only when the market is going up (Lock In and Reset). Josh Jenkins-Robbins talks about maximum funded tax advantage life insurance contract using IRS code sections 72(e) 101 (a) 7702. I have thisContinue reading “Minimum death benefit maximum cash accumulation tax free, risk free”
Do you need a financial planner?
Good leaders know when to delegate, and when to seek expert opinions. So as the leader of your personal finances, you shouldn’t be afraid to consult a financial planner–when appropriate. Here are ten scenarios to help you determine when it makes sense to hire a professional to provide investment and financial advice. Planners typically chargeContinue reading “Do you need a financial planner?”
Crisis in Retirement Planning by Robert Merton
Corporate America really started to take notice of pensions in the wake of the dot-com crash, in 2000. Interest rates and stock prices both plummeted, which meant that the value of pension liabilities rose while the value of the assets held to meet them fell. A number of major firms in weak industries, notably steelContinue reading “Crisis in Retirement Planning by Robert Merton”
No more market loses and taxes with index investing and Personal Finance 101 for rich and poor
Rich or poor you can still save for a lifetime retirement income/pension/savings plan or your own personal 801k. Your money does not participate when the market is down, keeps your gain and principal intact. Nor market loses or risks. You save your net income each month, $200 or $3k or even more, no income limitsContinue reading “No more market loses and taxes with index investing and Personal Finance 101 for rich and poor”
Inherited IRAs are taxable, Roth IRAs and Index Universal Life Policies are tax-free retirement funds
Supreme Court has ruled that inherited IRAs are not retirement funds, are taxable and creditors can find it (even when the owner shielded it inside a trust). Call Connie Dello Buono 408-854-1883 motherhealth@gmail.com for IUL with zero market risk, tax free and with living benefits , access to funds when health threats occur. Returns fromContinue reading “Inherited IRAs are taxable, Roth IRAs and Index Universal Life Policies are tax-free retirement funds”
Good logic of cash withdrawal for retirement
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Real estate worries of generation X and Y
The most pain-yes, even marginally greater than that of former Enron employees and Bernie Madoff scam victims-has been felt by a younger generation, however, in America’s suburbs, far from Wall Street. Relinquishing its collective Abercrombie & Fitch flannel shirts for suits and ties, Generation X was buying its first homes just as the Farrelly brothers-directorsContinue reading “Real estate worries of generation X and Y”
Major Money Mistakes Couples Make
Using home equity to add a swimming pool. And then the husband died without life insurance and retirement plan. And now the house is foreclosed and the wife is waiting to be evicted by the bank. Mom stayed at home for three years to take care of two young children and hubby is only makingContinue reading “Major Money Mistakes Couples Make “