Financial Intel Monthly

Common Factors Affecting Retirement Income

Feb 24, 2019 3:49:00 PM / by The Retirement Group (800) 900-5867 posted in CAM Annuity, Chevron, credit score, Economy, ExxonMobil, income, investing, life savings, retirement planning, taxes, 401K, 72T, Age Penalties, age penalties, ATT, AT&T 401K, AT&T seminar, benefit commencement date, Best adviser, Verizon Seminar

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When it comes to planning for your retirement income, it's easy to overlook some of the common factors that can affect how much you'll have available to spend. If you don't consider how your retirement income can be impacted by investment risk, inflation risk, catastrophic illness or long-term care, and taxes, you may not be able to enjoy the retirement you envision.

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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

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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.

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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

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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
 

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Organizing Your Finances When Your Spouse Has Died

Jan 18, 2019 10:47:27 AM / by The Retirement Group (800) 900-5867 posted in credit, family, health insurance, income, investing, life savings, priorities, retirement planning, 401k, 401K.com, 72T, access.att, Age Penalties

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Caring for Your Aging Parents

Jan 11, 2019 10:25:07 AM / by The Retirement Group (800) 900-5867 posted in cargiver, Early Retirement, Economic Report, Economy, financial education, financial freedom, life insurance, life savings, 401k, Age Penalties, benefits help, medicaid, medical

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Protecting Your Loved Ones with Life Insurance.

Jan 8, 2019 3:46:05 PM / by The Retirement Group (800) 900-5867 posted in Chevron, expenses, family, life insurance, life savings, love, mortgage, small buisness, 401K, 401k, 401K.com, 72T, 72t, access.att, Age Penalties, age penalties, AT&T 401K, AT&T Pension, AT&T seminar, att workshop, beneficiaries, benefit commencement date, Best adviser

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Sequence of Returns: Preparing for Bear Markets

Dec 26, 2018 2:22:36 PM / by The Retirement Group (800) 900-5867 posted in financial freedom, investment, life savings, market, Money, Profit, profit margin, retirement planning, The Retirement Group

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Sequence risk, (sequence-of-returns risk) is defined as the risk of receiving lower or negative returns early in a period when withdrawals are made from an individual's underlying investments. These negative returns combined with withdrawals can seriously impact how long a retiree is able to stretch their money. It is important to understand these risks as it can help with important decisions such as when to retire, or if it is a good idea to keep working for a few years into retirement to decrease the chance of money running out before retirement has ended.

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