Curtis Financial Planning

401(k)

Financial Housekeeping: What To Do with Those “Old” 401(k)s

There is no shame in owning multiple  401(k) or 403(b) accounts—the fact that they exist indicates a commitment to retirement savings. What may bring on a twinge of guilt (and rightfully so) is the neglect of these accounts, such as ignoring how the money is invested and leaving quarterly statements unopened. Sound familiar? Rest assured …

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Happy Holidays: The Gift of Financial Self-Care

The holiday season is a once-a-year mash-up of magic and madness, and it can be a challenge to find balance between the two. The moments of wonder with family and friends go hand-in-hand with the chaos of shopping, rushing, eating, and drinking…sometimes to excess. ’Tis the season to be jolly, and the season only comes …

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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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Simple Truth #5: The Longer You Live the More Money You Will Need

None of us knows how long we will live. But you can be sure that the longer you live the more money you will need – unless – you’re willing to reduce your lifestyle in retirement. According to IRS-issued life expectancy tables, the life expectancy for a 25 year old is 83.2, for a 50 …

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