Financial Intel Monthly

Tax Planning Tips: Disability Insurance

Nov 15, 2019 2:00:00 PM / by The Retirement Group posted in CAM Annuity, Chevron, ERB, ESRO, ExxonMobil, Financial Planning, Hewitt, In Service Withdrawal, Lump Sum, netbenefits, Northrop Grumman, Option 1 Withdrawal, Option 1 withdrawal, Pension, Pension Options, resources.hewitt, Retirement, Retirement Planning, Verizon, 401K, 72t, Age Penalties, age penalties, AT&T seminar, Benefit Commencement Date, benefit commencement date, Workshops, TRG

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The income you receive from disability income insurance may or may not be taxable. The taxability of disability income insurance benefits depends on what type of benefits you receive, whether the premiums were paid with pretax or after-tax dollars, and who paid the premiums (you or your employer).
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Choosing a Beneficiary for Your IRA or 401(k)

Nov 14, 2019 1:00:00 PM / by The Retirement Group (800) 900-5867 posted in CAM Annuity, Chevron, ERB, ESRO, ExxonMobil, Financial Planning, Hewitt, In Service Withdrawal, Lump Sum, netbenefits, Northrop Grumman, Option 1 Withdrawal, Option 1 withdrawal, Pension, Pension Options, Retirement, Retirement Planning, Verizon, 401K, 72t, Age Penalties, age penalties, Benefit Commencement Date, benefit commencement date, Workshops, TRG

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Selecting beneficiaries for retirement benefits is different from choosing beneficiaries for other assets such as life insurance. With retirement benefits, you need to know the impact of income tax and estate tax laws in order to select the right beneficiaries. Although taxes shouldn't be the sole determining factor in naming your beneficiaries, ignoring the impact of taxes could lead you to make an incorrect choice.
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Funding a Buy-Sell Agreement with Life Insurance

Nov 12, 2019 3:00:00 PM / by The Retirement Group posted in CAM Annuity, Chevron, ERB, ESRO, ExxonMobil, Financial Planning, Hewitt, In Service Withdrawal, Lump Sum, netbenefits, Northrop Grumman, Option 1 withdrawal, Pension, Pension Options, Retirement, Retirement Planning, The Retirement Group LLC, Verizon, 401K, 72t, Age Penalties, age penalties, Benefit Commencement Date, benefit commencement date, Workshops, TRG

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As a partner or co-owner (private shareholder) of a business, you've spent years building a valuable financial interest in your company. You may have considered setting up a buy-sell agreement to ensure your surviving family a smooth sale of your business interest and are looking into funding methods. One of the first methods you should consider is life insurance. The life insurance that funds your buy-sell agreement will create a sum of money at your death that will be used to pay your family or your estate the full value of your ownership interest.

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Understanding IRAs

Nov 12, 2019 1:00:00 PM / by The Retirement Group posted in CAM Annuity, Chevron, ERB, ESRO, ExxonMobil, Financial Planning, Hewitt, In Service Withdrawal, Lump Sum, netbenefits, Northrop Grumman, Option 1 Withdrawal, Pension, Pension Options, Retirement, Retirement Planning, The Retirement Group LLC, Verizon, 401K, 72t, age penalties, benefit commencement date, Workshops, TRG

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Can You Avoid a Layoff?

Nov 11, 2019 2:00:00 PM / by The Retirement Group posted in CAM Annuity, Chevron, ERB, ESRO, ExxonMobil, Financial Planning, Hewitt, In Service Withdrawal, Lump Sum, netbenefits, Northrop Grumman, Option 1, Option 1 Withdrawal, Pension, Pension Options, Retirement, Retirement Planning, Verizon, 401K, 401k, 72t, Age Penalties, age penalties, AT&T Pension, Benefit Commencement Date, Workshops, Verizon Workshop, TRG

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You may be a dedicated employee who has worked for the same employer for many years, yet you still may be susceptible to getting laid off. Sometimes getting laid off is inevitable, but rarely does a company lay off all of its workers. Usually, it retains those who are most valuable and offer the greatest benefit, sometimes at the least cost. Fortunately, there may be some things you can do to make the decision to lay you off a little harder.
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Insuring a Condo or Co-Op

Nov 8, 2019 2:15:00 PM / by The Retirement Group posted in CAM Annuity, Chevron, ERB, ESRO, ExxonMobil, Financial Planning, Hewitt, In Service Withdrawal, Lump Sum, netbenefits, Northrop Grumman, Option 1 Withdrawal, Pension, Pension Options, Retired, Retirement, Retirement Planning, Seminar, The Retirement Group, The Retirement Group LLC, Verizon, 401K, 72t, Age Penalties, age penalties, AT&T seminar, att workshop, Benefit Commencement Date, benefit commencement date, Best adviser, Workshops, Verizon Pension, TRG

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Trust Basics

Nov 6, 2019 2:00:00 PM / by The Retirement Group posted in CAM Annuity, Chevron, ERB, ESRO, ExxonMobil, Financial Planning, Hewitt, In Service Withdrawal, Lump Sum, netbenefits, Northrop Grumman, Option 1 Withdrawal, Pension, Pension Options, Retired, Retirement, Retirement Planning, Seminar, The Retirement Group LLC, Verizon, 401K, 72t, age penalties, ATT, AT&T seminar, Benefit Commencement Date, benefit commencement date, Workshops, TRG

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Trust Basics

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Market Week: November 4, 2019

Nov 4, 2019 2:57:31 PM / by The Retirement Group (800) 900-5867 posted in CAM Annuity, Chevron, ERB, ESRO, ExxonMobil, Financial Planning, Hewitt, In Service Withdrawal, Lump Sum, netbenefits, Northrop Grumman, Option 1 withdrawal, Pension, Pension Options, Retirement, retirement planning, The Retirement Group, Verizon, 401K, 72t, age penalties, benefit commencement date, Workshops

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The Markets (as of market close November 1, 2019)

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Market Month: October 2019

Nov 4, 2019 2:46:37 PM / by The Retirement Group (800) 900-5867 posted in CAM Annuity, Chevron, ERB, ESRO, ExxonMobil, Financial Planning, Hewitt, In Service Withdrawal, Lump Sum, netbenefits, Northrop Grumman, Option 1 withdrawal, Pension, Pension Options, Retirement, retirement planning, The Retirement Group, Verizon, 401K, 72t, age penalties, benefit commencement date, Workshops

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The Markets (as of market close October 31, 2019)

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It Isn’t Too Late to Save for Retirement

Nov 4, 2019 3:28:56 AM / by The Retirement Group (800) 900-5867 posted in CAM Annuity, Chevron, ERB, ESRO, ExxonMobil, Financial Planning, Hewitt, In Service Withdrawal, Lump Sum, netbenefits, Northrop Grumman, Option 1 withdrawal, Pension, Pension Options, Retirement, retirement planning, The Retirement Group, Verizon, 401K, 72t, age penalties, AT&T 401K, AT&T Pension, AT&T seminar, att workshop, benefit commencement date, Best adviser, Workshops

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If you’re 40 or 50 and haven’t begun, you must make the effort.

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