Curtis Financial Planning

Retirement Planning

3 Things You May Not Know About the Roth IRA

Roth IRA’s are a great savings tool. They are different from traditional IRA’s in that they aren’t deductible, so Roth’s don’t lower your tax bill immediately. However, the tax-free nature of any earnings, no required minimum distributions (RMD’S) and ability to withdraw your contributions at any time tax and penalty free, make them a great …

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How To Deal With Those “Old” 401(k)’s

There’s no shame in having multiple 401(k) accounts — it’s an indication that you’ve been committed to saving for retirement  over the course of your work life.  However, what may give you a justifiable twinge of guilt is ignoring them. If you are guilty as charged, you’re not alone. Half of the people who change …

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The Solo-K: Smart Retirement Planning for the Self-Employed updated for 2018

In 2001, the government gave self-employed workers a gift: a 401(k) plan that allows for greater amounts of tax-deferred income with less hassle to set up than any other retirement plan. The plan, mostly called a Solo 401(k) or a Solo-k or one-participant plan beats traditional corporate 401(k)s in higher savings limits and in the …

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Short List for your Finances 2014

There are many actions you can take to improve your finances, and that’s sometimes the problem. I have compiled a short list of ideas that can make a real difference in your financial health. Copy and paste this short list into Evernote or other list-making software or  print it out and tape it to your …

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