Personal Investments • Competing Roth IRAs
Does anyone who manages their spouses Roth IRA tilt differently in each to hedge bets on the future? My wife and I are 39, and both roths are currently invested in 70% FSKAX / 30% FTIHX. I’m...
View ArticlePersonal Investments • my experience so far setting up Fidelity CMA
Last Friday (I think) I opened a Fidelity CMA. I already had my Roth and a rollover tIRA with them. For years I've been maintaining a HYSA and a checking accout at Ally, plus a local checking account...
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Personal Investments • Accomodating 2 DFA funds in my AA with index ETFs
I used to be with an advisor who invested in DFA funds, but as I got more comfortable with investing, I decided to DIY and ended the advisor relationship. I had transferred those DFA funds over and...
View ArticlePersonal Investments • Advise to 30 year old
30 year old married no children3 million windfall to invest untouched for 30 yearsThoughts for investments to consider?Thank youStatistics: Posted by Gasman082890 — Tue May 07, 2024 6:30 pm — Replies...
View ArticlePersonal Finance (Not Investing) • Finding Good Advice: Complicated...
Looking for sources of solid advice for complicated scenario involving COBRA, Medicare, former and future EGHP, and other issues.Assume this will require a professional salesperson or insurance...
View ArticlePersonal Finance (Not Investing) • accounting help
I am trying to calculate some back taxes owed - not including any interest or penalties.I donated 45,000 but the IRS is only allowing 10,000.I calculate that 45,000 x fed rate (at the time) of 39.6% =...
View ArticlePersonal Finance (Not Investing) • How much can I contribute to the HSA of...
Both my spouse and I were under an HDHP at the beginning of the year.At the end of March, I dropped my plan due to job switch and joined my spouse's plan as a dependency.In this case, how much can we...
View ArticlePersonal Consumer Issues • Chase limits on charge cards
I thought that Chase had restrictions that were something like no more than X charge cards opened within the past 4 (?) years.We were hoping to have DH sign up for a new Chase card using a "referral"...
View ArticlePersonal Finance (Not Investing) • Medically underwritten "private"...
We are shopping for policies and DW talked to an agent who said she had a plan that was a medically underwritten plan through United Healthcare. (I can't find anything mentioned about these plans on...
View ArticlePersonal Investments • Higher Fees or Less Diversification
Hello! I enrolled with my 401k for my first job out of university, and was sad to see that there was no small cap index fund, with the singular alternative being a mutual fund with 0.72% expense...
View ArticlePersonal Finance (Not Investing) • Received IRS CP24: But both my and IRS...
So... what's going on, I received an IRS CP24 in the mail, saying IRS is adjusting my refund... to the exact same amount I requested for.There is even a table of my tax calculation vs IRS tax...
View ArticlePersonal Consumer Issues • Contractor issue - bad work
I had a contractor do drywall work (install new). The price was good and their reviews online were good. I was happy with the drywall work...though sometimes you can't tell how good it is until it is...
View ArticlePersonal Finance (Not Investing) • IRA Pro Rata Calculation Question
I understand the concept of pro rata withdrawals from accounts with both pre- and post-tax contributions, but I have not been able to find a clear answer on how the % is determined. For example,...
View ArticlePersonal Investments • Considering TIAA Transfer Payout Annuity
TIAA Traditional has been the majority of my "bond" allocation for a while. My recent divorce and settlement payout from another account has resulted in an odd consequence- too much invested in TIAA...
View ArticlePersonal Investments • Help me prep for retirement 7-10 yrs out
Hi, Reaching out to this community for perspective as I would like to target being ready to retire in 7-10 years. I have been looking at asset re-allocation and balancing and trying to figure out a...
View ArticlePersonal Finance (Not Investing) • Can I have more than one 529 account...
I currently have the Vanguard 529 plan which I think is sponsored by Nevada for my 2 beneficiaries. I live in CA and got a flyer for Scholarshare, saying if I open it I can get a bonus $50. I also saw...
View ArticlePersonal Finance (Not Investing) • Company reverse pretax FSA benefit for...
So the company I work for didn’t pass for Cafeteria Benefits Plan testing which means they have to make our pretax benefits now taxable for highly compensated employees. I only use them for...
View ArticlePersonal Investments • Roth Ira
Hi Im 57 y/o, I have Roth IRA. for a while now. When I reach 59 1/2, can i withdraw the money and interest i contributed from when i was 57 y/o. Does it matter the money was only in my account for 2...
View ArticlePersonal Finance (Not Investing) • Grantor vs Non-grantor trust?
I'd like to create a fully-discretionary irrevocable Nevada trust for my son + wife. Assets include marketable securities only. I spoke to a Nevada attorney. They asked if I wanted the grantor version...
View ArticlePersonal Investments • Fidelity brokerage account
I max out my 401K. I opened a Roth IRA with Fidelity about 6 years ago and max it as well.Just last week, I opened what I suppose you'd call a "brokerage account" with Fidelity. I put $250,000 in the...
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