I’m hiring Protege Financial Advisors for opportunities in NJ. I’m an active advisor and sales manager for my firm, a local Guardian agency. New advisors receive full benefits, including medical, dental, vision, defined benefit pension, 401(k) with 3% match and Roth options, tuition reimbursement and more. If you’re interested in a new opportunity, please message me. Thanks!

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Pension vs lump sum Does anyone have a good online tool that illustrates the differences in easy to read analysis to present to clients? Thanks!

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I’m a non resident alien, and recently secured my first job in USA. My employer doesn’t match my 401k contributions until a year of employment. My long term goals do not include retiring in the USA (subject to change). I was wondering if it would make sense to invest in the 401k, and also hoping to learn more about Roth/IRAs. Any advice would be helpful.

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Can anyone recommend a company to use for a solo 401k for myself? I'd like it to be full service if possible. I don't want to have to worry about record keeping or 5500 reporting when it gets to $250k. Best if it's an open architecture platform. Thank you.

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New advisor- just graduated college in May, I’ve been looking for a target market and decided on Higher Education Faculty at a large university by me. What are some good fact finding questions to ask prospects about their retirement plans so I can become well-versed in the University’s retirement/benefits plan.

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Noob question. How do people muster the courage to invest their hard earned $ knowing they could lose it? I come from a humble background and haven’t been able to invest much in the stock market , with the only exception being my 401k. I worry a lot and feel more secure sitting on my small bundle of cash. Help!

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If you loved your small independent broker dealer but they had just been acquired by a much larger corporation which does have benefits in terms, mostly, in technology, but you lose your “family” in the home office, what would you do and who would you look at if you were considering a change of your own?

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When a company transitions 401k providers, and funds are being mapped over, do the funds stay invested throughout the entire process? Or are there typically a few days out of the market? Cont...

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Sure feels great to see my 401k take a huge dive just as I finish my first year of contributions

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Health insurance Q: I’m choosing between 2 Anthem PPO’s, gold or silver. Gold is higher monthly fee, lower deductibles. Silver is low monthly fee, higher deductibles. In Cali. Any advice on deciding?

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Has anyone tried mediation to reduce stress, increase focus?? Have you seen any changes or benefits??

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Anyone ever used the Warton Group? Their marketing emails say they have preset appointments with 401k plan sponsors that are shopping their plan. The advisor is charged for the contacts. 1/2

likesmart

If someone goes from full time to part time employed....should they be able to move their 401k elsewhere?

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Has anyone partner with ADP for 401k business? How does that work?

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What do you, personally, invest your money in, other than real estate and 401k ?

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Anyone know contact t info for KPMG pension? My client stopped getting statements and can’t find their info

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Maybe a dumb question but if someone vests in a pension are they still able to rollover a lump sum into an IRA? Or is it too late? Have a client who keeps blowing me off to get documentation...CONT

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How much do you pay for health insurance ?

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Researched this & IRS site confused me 😫. Can someone clarify: if a wife doesn’t work, husband has access to 401k, she is disqualified from a deductible spouse IRA above $200k income right?

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How do you solo Self employed Advisors affordable cover health insurance for you and your family? We currently have excellent fully paid benefits but will lose them when my wife is no longer working.

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Anyone familiar with Securian Financial (formerly Minnesota Life) as a 401k provider? A friend asked me about their platform and wanted my opinion. I’ve never used them. ??

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So - does anyone else work at an insurance company that has shitty health benefits? Last Dr. Visit cost me over $700 out of pocket and it was a regular check-up w/ labs???

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How are you targeting 401k rollover opportunities? Where do you find them?

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Does anyone have a good book or resource on small business retirement plans that also explains the tax implications? Also, an easy tool that compares the options? EG: SEP, Solo 401k, DB plans...

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What are some unique ways you’ve taken over a 401k plan?

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Thinking about having my wife stay home w/ kids. Her job pays 100% of our health benefits today. Curious, are there options for group health insurance through like alumni or other associations? Cont

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How many fish make it a point to go to church regularly? What denomination are you and what benefits do you see from faithful participation/attendance?

likeuplifting

Do you all think an iPad with cellular is worth the business expense? If so, what are the benefits you get from it? Torn on whether or not to buy one...

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If you went to Wells Fargo after receiving a check, would you do it again. And let’s say you did it because it also benefits your clients. Looking to see if there are any regrets. Thanks for responses

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Delaware Healthcare fund... good story and crazy numbers Any one use it? Pro’s? Con’s?

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Anyone ever have a client be issued a check for a small 401k balance and the client never cashed it? Believe they had 60 days to get it into an IRA but they didn’t. What are their options? Continued.

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Anyone use Ubiquity for a 401k plan?

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For those of you that are self-Employed, how do you obtain affordable health insurance for you and your family? Currently we are under my wife’s insurance and it is 100% paid for By her employer. CONT

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Deloitte folks - what are your fav benefits? Retirement? Heath/well being?

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Non-equity partner here, planning to put my name in the hat for an equity vote next fall. Looks like my buy-in will be approximately $100k. Question: how do people pay for their buy-in? I've diverted my 401k savings into a savings account for now (my firm doesn't offer a match, but gives us a flat percentage of salary contribution), but won't have the entire amount in the bank by next year. Thoughts? Personal loan? Home equity? Other?

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Is guidehouse healthcare sector hiring?

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Can you tell me how much salary you earn (ANNUAL) and what’s your 401k contribution (per PAYCHECK) !? Just want to get an idea if my contribution is very less or okay. Mine: 137K, $368.

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Thinking about moving to Strategy from Tech Consulting. Any thoughts on work life balance and comp/benefits between Monitor Deloitte and EY-Parthenon? I am currently a Senior Consultant at EY, so also wondering if internal transfer would reduce my chances to negotiate a higher salary while moving.

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Is Medicare for all a good idea? Does the USA have a viable path to universal coverage? What major changes are needed to change the fact that we spend the largest share of our GDP on healthcare whil

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Suggestions on managing the 401k funds (previous employer funds in vanguard) when one changes employer.

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Just received reimbursement for a hotel stay in March. What’s the longest you’ve waited for a legitimate expense to be reimbursed?

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Best Big4 for Life Sciences/Healthcare consulting globally?

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To go or not to go to hockey game with client while on maternity leave 🤔

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Should I contribute to my 401k to get Deloitte's horrible contribution or just save that money myself for a higher down payment on a house in the coming 1-1.5 years?

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Does EY offer tuition reimbursement?

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Having an interview with a private healthcare company for an operations role (currently TC, level 10) - what should I ask about besides the role and salary to assess my market value? Tips appreciated!

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What are raises usually like at Slalom and best ways to negotiate higher salaries at annual reviews? Can you negotiate on PTO / other benefits?

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Deloitte folks: if phone reimbursement is up to $250, what phone did you choose?

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Anyone move to ServiceNow? Interested in a couple roles and have familiarity with the solution, but don’t know as much about the company culture and looking to learn more

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Jesus I wouldn’t qualify for level 1 in NYC. None of the MBB would qualify. This law makes no sense

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Short week - reading Fishbowl #wfh

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Best and easiest public golf courses to go play at around the city? Full disclosure I’m a trash golfer, but capable of doing 18-36 without being too embarrassing. I am just trying to burn up all this PTO before EOY and while the weather is tolerable so me and some buddies are doing some golf days. Thanks in advance!

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Have any of you taken "low bono" clients while working at a firm? I want to take on a low bono client or two but not sure who would get the money. This is a contract opportunity through a non profit so I'm assuming a 1099 will be issued. The per hour rate is significantly less than my billable rate. I would (obviously) like the money but my real objective is just getting experience/networking since I recently moved to a new state and don't have clients of my own.

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Filing a marriage based green card. Is it better to go with Deloitte’s legal counsel or engage outside counsel?

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Has anyone seen follow up studies demonstrably proving causation between vaccines and covid rate/ severity reduction? This is not political at all and I don’t care about your stance on vaccines, just genuinely curious because I haven’t been able to find it and would expect that there would be more/ better data at this point with all the natural experiments going on.

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Would you switch to KPMG as an SA if you’re up for promo to SC at Deloitte if the raise was much higher than anticipated promo raise?

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Advice on how to start CFE? I gotta become a member first, but then what? And approximately how long did it take to study for while working?

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When your bosses always come in late but you get to work on time. So your coworker that comes in late and stays late with them gets the glory and the promotion. 🤔

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What's the vibe at FCB Chicago these days? I know they lost a lot of talent last year. Wondering how that's impacted work/culture?

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I don’t want to be my friend’s bridesmaid because her husband (legally married already because of covid) is a mediocre leech but she’s my best friend from middle school 😩

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Delta app and site down for anyone else?

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EGC fish: anyone willing to chat about some of the work you do with academic medical centers? I came across a posting but would like to learn more.

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I have an old chase freedom card which I guess doesn’t exist anymore. Should I change to the freedom flex? Currently put travel/dining on CSR, use Freedom for the quarterly 5% categories, and put flights and everything else on Amex. I don’t think it makes a difference if I’m only using it for the 5% right?

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If my last day is 5/1, will I still have insurance coverage in May?

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Those of you who have changed jobs over the pandemic and your new office is in a state different from where you live (since wfh) - which state’s taxes do you pay? Where you live or where office is?

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At what point during the interview process, do law firms ask for a list of clients you have worked for in order to do a conflicts check? Is it normal to be asked for the list prior to being made an offer? Any ethical issues in disclosing prior to being made an offer or accepting an offer?

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I have offers with capgemini, Alight, and DXC technology. Position and salary are all equal. Which do I take?

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What’s the best thing you’ve done for your classroom management? I teach 10th grade English. I’m young and look younger than I am. Next year will be my 3rd year teaching. My classroom management was better this year but still want to improve. Learning how to be firm and consistent without being mean.

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