Financial Intel Monthly

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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Tax Tips: Health Insurance

Feb 19, 2019 5:20:00 AM / by The Retirement Group (800) 900-5867 posted in CAM Annuity, Financial Planning, In Service Withdrawal, Lump Sum, netbenefits, Northrop Grumman, Option 1 withdrawal, Pension Options, PG&E, Retired, The Retirement Group, The Retirement Group LLC, 401k, 72T, 72t, age penalties, att workshop, benefit commencement date, benefits help, Verizon Pension

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Your health insurance coverage probably came in handy several times over the past year. It all seemed so simple at the time--you paid a deductible, and your insurance usually kicked in the rest. But what do you do at tax time? Just what are you taxed on, and what can you deduct on your federal income tax return?

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Designating a Beneficiary for Life Insurance

Feb 19, 2019 5:20:00 AM / by The Retirement Group (800) 900-5867 posted in CAM Annuity, ExxonMobil, Lump Sum, Northrop Grumman, Option 1 withdrawal, Retired, The Retirement Group, The Retirement Group LLC, 401K, 401K.com, 72t, access.att, AT&T Pension, benefit commencement date, Verizon Pension, Verizon Workshop

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Designating a Beneficiary for Life Insurance

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Tax Tips: Long-Term Care Insurance

Feb 19, 2019 5:20:00 AM / by The Retirement Group (800) 900-5867 posted in CAM Annuity, Chevron, Exxon Mobil, Financial Planning, In Service Withdrawal, Lump Sum, Northrop Grumman, Option 1 withdrawal, PBGC, Seminar, The Retirement Group LLC, 401K, 401k, 72t, age penalties, AT&T Pension, att workshop, benefit commencement date, Verizon Pension, Verizon Workshop

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Tax Tips: Long-Term Care Insurance

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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

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doctor pointing at tablet laptop Buying Short-Term Health Insurance

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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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Reverse Split Dollar Life Insurance

Feb 13, 2019 8:03:57 AM / by The Retirement Group (800) 900-5867 posted in CAM Annuity, ExxonMobil, Financial Planning, In Service Withdrawal, Lump Sum, netbenefits, Option 1 withdrawal, Pension Options, Retired, Seminar, The Retirement Group, The Retirement Group LLC, 72t, Age Penalties, age penalties, AT&T seminar, att workshop, Verizon Pension

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Reverse Split Dollar Life Insurance

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A Retirement Income Roadmap for Women.

Jan 23, 2019 6:23:12 AM / by The Retirement Group (800) 900-5867 posted in Chevron, ExxonMobil, financial freedom, income, invest, Money, priorities, retirement planning, stocks, 401K, 401K.com, 72T, 72t, access.att, Age Penalties, ATT, AT&T 401K, AT&T seminar, att workshop, benefit commencement date, women, Verizon Pension, Verizon Workshop

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Nonqualified Deferred Compensation (NQDC) Plans

Jan 11, 2019 9:00:39 AM / by The Retirement Group (800) 900-5867 posted in Early Retirement, ESRO, In Service Withdrawal, Retirement, age penalties, AT&T seminar, benefits help, Workshops, Verizon Pension

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The Major Retirement Planning Mistakes

Jan 8, 2019 3:00:09 AM / by The Retirement Group (800) 900-5867 posted in financial freedom, Financial Planning, Northrop Grumman, Pension Options, The Retirement Group, 401K, 401k, 401K.com, 72T, 72t, access.att, Age Penalties, age penalties, AT&T Pension, AT&T seminar, Verizon Pension

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THE MAJOR RETIREMENT PLANNING MISTAKES

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