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4 Money Blunders | Leave You Poorer

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ABC’s of Investor Protection. 4 Money Blunders That Could Leave You Poorer. A not-to-do list for the new year and years to follow. Provided by Peter Miralles, CFP CIMA CLU EA. How are your money habits? Are you getting ahead financially, or does it feel like you are running in place? How many households are focusing on the fundamentals? All well and good, but the respondents didn’t feel so good about their financial situations. About one-third of them said the quality of their financial life was wors...

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Are you prepared for retirement?

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ABC’s of Investor Protection. Are You Underprepared for Retirement? A university study serves as a wake-up call. Provided by Peter Miralles, CFP CIMA CLU. Financially speaking, how many Americans are truly on track to retire? A recently published white paper suggests that about half of us are approaching our third acts with faulty assumptions. Perception differs from reality. The researchers discovered two other interesting disconnects. One, a slight majority of those who. The answer to that question var...

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Avoiding the Common 1040 Mistakes - Atlanta Wealth Consultants, LLC

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ABC’s of Investor Protection. Avoiding the Common 1040 Mistakes. Don’t let these slip-ups creep into your federal tax return. Provided by Peter Miralles, CFP CIMA CLU EA. No one wants to delay their federal tax refund. As you certainly don’t, filling out your 1040 form correctly is essential. To that end, it is worth noting some of the common 1040 mistakes the little slip-ups that aggravate both the IRS and the taxpayer. Not signing your return. Not getting your name right. Is your company an S corp?

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2014 health insurance subsidy | pay back | Premium Tax Credit for 2014

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ABC’s of Investor Protection. Will You Have to Pay Back Health Insurance Credits? Millions of taxpayers may end up doing so in 2015. Provided by Peter Miralles, CFP CIMA CLU EA. If you received a 2014 health insurance subsidy, you may get an unpleasant surprise. Is yours among them? If it turns out that way, you may have to pay a percentage of that federal credit back. How will you know if the 2014 health insurance credit you received was too large? Two new federal forms will help you find out. If you en...

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Double-Checking Your Retirement | third act

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ABC’s of Investor Protection. The Value of Double-Checking Your Retirement. As you approach your third act, does it need to be adjusted? Provided by Peter Miralles, CFP CIMA CLU. Motivational speaker Denis Waitley once remarked, You must stick to your conviction, but be ready to abandon your assumptions. That statement certainly applies to retirement planning. Your effort must not waver, yet you must also examine it from time to time. Your portfolio lacks significant diversification. Your tennis partner ...

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2015 IRA Deadlines | need to know

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ABC’s of Investor Protection. 2015 IRA Deadlines Are Approaching. Here is what you need to know. Provided by Peter Miralles, CFP CIMA CLU EA. Financially, many of us associate April with taxes but we should also associate April with important IRA deadlines. Is the absolute deadline to take your first Required Mandatory Distribution (RMD) from your traditional IRA(s). Is the deadline for making annual contributions to a traditional or Roth IRA. The earlier you make your annual IRA contribution, the better.

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life insurance | life events

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ABC’s of Investor Protection. Is it Time for Life Insurance? Important life events may call for it. Provided by Peter Miralles, CFP CIMA CLU. Many younger Americans lack life insurance. A 2014 report from insurance industry analyst LIMRA found that only a third of Gen Y Americans have any life insurance coverage. In the same survey of 6,000 respondents, six in 10 Gen X and Gen Y Americans said their households would be hard pressed to make ends meet if their primary breadwinner passed away. If you would ...

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How Can Women Save More for Retirement

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ABC’s of Investor Protection. How Can Women Save More for Retirement? Suggestions to accelerate and maintain the pace of the effort. Provided by Peter Miralles, CFP CIMA CLU. Numerous articles have mentioned the obstacles women can face as they save for retirement. Turning from the negative, here are some positive factors that may help women save more. Here are seven words you will rarely (if ever) hear from a financial professional: You are saving too much for retirement. Most people save too little...

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Medicare Basics | Medicare breakdown

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ABC’s of Investor Protection. The A, B, C & D of Medicare. Breaking down the basics and what each part covers. Provided by Peter Miralles, CFP CIMA CLU. Whether your 65th birthday is on the horizon or decades away, you should understand the parts of Medicare what they cover, and where they come from. Parts A and B: Original Medicare. America created a national health insurance program for seniors in 1965 with two components. Part A is. And helps pick up some of the tab for outpatient care, physician serv...