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Retirement is not one and done, and no two plans are the same. That’s why Ryan Moore of TBS Retirement Planning customizes retirement strategies that fit your needs in an ever-changing market. Each week on Moore Money, Ryan provides information and education about the latest tax strategies, finding hidden fees, building income, and much more. Join us for Moore Money with Ryan Moore, Saturdays at 4:00 p.m. on News Radio 1080, KRLD.
Keeping You Up to Speed on the Latest News
There is never a shortage of new developments in markets and the financial world. Total Benefit Services has compiled new items focused on keeping you informed about the latest trends and changes that could help as you monitor and plan out your retirement.
Make Debt Work For You
There’s a lot of doom and gloom surrounding the state of credit card debt in America, with 44 percent of cardholders carrying a balance month to month, according to Bankrate’s Chasing Rewards in Debt Survey. Not to mention, average credit card interest rates currently hover above 20 percent. But what about other types of debt?
Avoid Mistakes When Rolling Over Accounts
One of the most important financial decisions you’ll make is how to handle your retirement accounts when changing jobs. Rolling over your 401(k) or other accounts correctly can ensure your hard-earned retirement savings keep growing tax-deferred. But making mistakes during this process can cost you big time in taxes, penalties and lost future growth.
How Do Fed Rates Affect Debt?
Unchanging federal funds rates could mean that credit card interest rates, and in turn minimum payments, won’t fall anytime soon. How can a debt relief service help provide the relief to make it through inflationary periods?
Reasons to Open an Online Savings Account
Persistent inflation has led to elevated interest rates over the last two years. Although that means borrowing has been more expensive, saving has become more profitable.
Learn More About Mutual Funds
Mutual funds are being spurned in favor of exchange-traded funds. But don’t write them off just yet. Mutual funds have a lot to offer and can be good additions to portfolios if investors know what to look for — and look out for.
How to Help Your Bottom Line
There are many reasons you might want to grow your money. Maybe you’re nearing retirement, or you need to cover unexpected costs or medical expenses. It could also be that your salary hasn’t kept up with inflation or the higher consumer prices we’re dealing with in today’s economy.
401(k) to Roth Rollovers
The decision about whether to convert a traditional 401(k) to a Roth IRA depends a lot on your financial circumstances, including your tax situation.
Hedge Against Inflation Risks
Inflation brings two headaches for retirees: stretching a fixed income to meet rapidly rising prices and investing a retirement savings portfolio so that it keeps pace with the higher cost of living. Here are some strategies to avoid the pain.
Building Up Your Wealth
There’s no shortage of get-rich-quick schemes, from the latest crypto coin to flipping penny stocks. Don’t be fooled by their promises of easy wealth—schemes like these hide giant risks, and the vast majority of investors end up losing money.
How Does a Career Change Affect Your 401(k)?
If you’re among those who have been laid off, furloughed or let go from a job, your lifestyle can change overnight. You’ll also face big decisions. If you had a 401(k) with your former employer, you’ll need to decide what to do with the funds in the account.
Adjusting to Increased Medical Costs
Settling into retirement is meant to be a happy time, particularly when you have saved, planned and can live comfortably. Unexpected health-related expenses, however, can get in the way of your bliss.
Create Your Own Stimulus Check
The pandemic-inspired federal stimulus checks may have come to an end, but that doesn’t mean the windfalls have to stop. Whether those cash infusions were vital or simply a welcome financial boost, consider how you could create your own “stimulus check” moving forward.
Pros and Cons of Early Retirement
For decades, 65 was considered the standard age to transition to retirement. But in recent years, the Social Security Administration has pushed back the full retirement age. In addition, some workers are finding they need more years of earning income before they can quit their jobs.
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