Financial Intel Monthly

The Roth 403(b)

Feb 26, 2019 7:01:01 AM / by The Retirement Group (800) 900-5867 posted in Early Retirement, Economic Report, financial freedom, Financial Planning, In Service Withdrawal, income, invest, ira, Lump Sum, Pension Options, priorities, retirement planning, 401k, 72T, 72t, access.att, age penalties, AT&T seminar, att workshop, Best adviser, Verizon Workshop

0 Comments

Read More

Women and Money: Taking Control of Your Finances.

Feb 25, 2019 1:28:07 PM / by The Retirement Group (800) 900-5867 posted in CAM Annuity, Chevron, ERB, ExxonMobil, financial freedom, income, PG&E, savings, taxes, 401k, 72T, access.att, Age Penalties, age penalties, AT&T 401K, Benefit Commencement Date, benefit commencement date, Best adviser, Verizon Workshop

0 Comments


As a woman, you have financial needs that are unique to your situation in life. Perhaps you would like to buy your first home. Maybe you need to start saving for your child's college education. Or you might be concerned about planning for retirement. Whatever your circumstances may be, it's important to have a clear understanding of your overall financial position.

Read More

Women: Planning for the Financial Impact of Children

Feb 19, 2019 8:37:51 AM / by The Retirement Group (800) 900-5867 posted in CAM Annuity, Chevron, credit score, Economy, ExxonMobil, family, financial freedom, Financial Planning, home owner, income, investing, life savings, Lump Sum, Northrop Grumman, Option 1 withdrawal, priorities, retirement plan, Seminar, 401K, 401k, 72t, age penalties, ATT, AT&T Pension, Verizon Seminar

0 Comments

baby in white onesie

Children are a special blessing and their arrival brings boundless love and joy into our lives that you can't put a price on. But adding a child to the household impacts the family budget--and women especially—in very measurable ways. Whether this is your first child or your fourth, here are some financial matters to think about and plan for before and after baby arrives.

Read More

Buying Short-Term Health Insurance

Feb 18, 2019 5:20:46 PM / by The Retirement Group (800) 900-5867 posted in ExxonMobil, financial freedom, Financial Planning, health insurance, insurance, Money, The Retirement Group LLC, 72t, age penalties, AT&T Pension, AT&T seminar, Benefit Commencement Date, benefit commencement date, benefits help, Verizon Pension

0 Comments

doctor pointing at tablet laptop Buying Short-Term Health Insurance

Read More

Conducting a Home Inventory

Feb 18, 2019 7:31:08 AM / by The Retirement Group (800) 900-5867 posted in booking, business, financial freedom, marketing potential, Money, retirement planning, success, The Retirement Group, wealth

0 Comments

A home inventory is a complete and detailed written list of all your personal property that's located in your home and stored in other structures like garages and toolsheds. It should include your possessions as well as those of family members and others living in your home. You should prepare an inventory whenever you move into a new home. To keep track of new additions and discarded items, be sure to update it every year.

Read More

Establishing a budget

Feb 18, 2019 7:09:50 AM / by The Retirement Group (800) 900-5867 posted in cryptocurrency, debtfree, finance, financial freedom, retirement planning, The Retirement Group, bitcoin

0 Comments


Read More

The ABCs of Mutual Fund Share Classes

Feb 15, 2019 7:45:08 AM / by The Retirement Group (800) 900-5867 posted in Chevron, credit score, Early Retirement, Exxon Mobil, financial freedom, In Service Withdrawal, income, investing, life savings, Monarch, priorities, Retirement, The Retirement Group LLC, 401K, 72t, AT&T Pension, AT&T seminar, benefit commencement date, Verizon Pension, Verizon Workshop

0 Comments

the bean chicago
When investing in a mutual fund, you may have the opportunity to choose among several share classes, most commonly Class A, Class B, and Class C. This multi-class structure offers you the opportunity to select a share class that is best suited to your investment goals. The only differences among these share classes typically revolve around how much you will be charged for buying the fund, when you will pay any sales charges that apply, and the amount you will pay in annual fees and expenses.
Understanding fees and expenses
 Before you can compare share classes, you need to understand the costs that are associated with mutual funds, since these costs are usually deducted from the money you've invested and can affect the return of your investment over time.
Typically, mutual fund costs consist of sales charges and annual expenses. The sales charge, often called a load, is the broker's commission deducted from your investment when you buy the fund or when you sell it. The annual expenses are asset-based fees that cover the fund's operating costs, including management fees, service fees, and 12b-1 fees (which cover distribution and marketing expenses). The expenses are generally computed as a percentage of your assets and then deducted from the fund before the fund's returns are calculated.
So which share class should you choose? The answer to that depends on two factors: how much you want to invest and your investment time horizon.
Class A shares
Class A shares may appeal to you if you're considering a long-term investment in a large number of shares. When you purchase Class A shares, a sales charge, called a front-end load, is typically deducted upfront, reducing the amount of your investment. Suppose you decide to spend $35,000 on Class A shares with a hypothetical front-end 5% sales load. You will be charged $1,750, and the remaining $33,250 will be invested.
However, Class A shares also offer you discounts, called breakpoints, on the front-end load if you buy shares in excess of a certain dollar amount. Typically, a fund will offer several breakpoints; the more you invest, the greater the reduction in the sales load. For example, a mutual fund may charge a load of 5% if you invest less than $50,000, but reduce that load to 4.5% if you invest at least $50,000 but less than $100,000. This means that if you invest $49,000, you'll pay $2,450 in sales charges, but if you invest $50,000 (i.e., you reach the first breakpoint), you'll pay only $2,250 in sales charges.
Comparing Share Classes
 

Read More

The Ultimate Safe Money Guide

Feb 12, 2019 9:39:39 PM / by The Retirement Group (800) 900-5867 posted in CAM Annuity, Early Retirement, EISP, ERB, ESRO, financial freedom, Financial Planning, In Service Withdrawal, Lump Sum, Money, money management, PPA, savings, 401K, 401K.com, 72T, 72t, access.att

0 Comments

[caption id="attachment_6434" align="alignnone" width="1880"]numbers money calculating calculation
The Ultimate Safe Money Guide

Read More

Getting Help from a Financial Professional

Feb 10, 2019 12:00:08 PM / by The Retirement Group (800) 900-5867 posted in CAM Annuity, financial education, financial freedom, Financial Planning, investing, Money, 401K, 401k, 401K.com, 72T, 72t, access.att, Age Penalties, age penalties, AT&T 401K, AT&T Pension, AT&T seminar, att workshop, benefit commencement date

0 Comments

[caption id="attachment_media-777" align="alignnone" width="1880"]photography of a person pointing on something Getting Help from a Financial Professional

Read More

INHERITING AN IRA

Feb 9, 2019 9:00:30 AM / by The Retirement Group (800) 900-5867 posted in CAM Annuity, Chevron, ExxonMobil, financial freedom, In Service Withdrawal, ira, Lump Sum, netbenefits, resources.hewitt, taxes, The Retirement Group, The Retirement Group LLC, 401K, 72t

0 Comments



Read More

Check the background of this investment professional on FINRA BrokerCheck

Subscribe to Email Updates

Lists by Topic

see all

Posts by Topic

See all

Recent Posts