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
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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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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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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
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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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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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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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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 much do you pay for health insurance ?

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

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

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

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

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

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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 benefits, perks, and other work life balance things would you like your firm to have in an ideal world?

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What type of events do you attend to network for individual clients? What about for 401k plan clients?

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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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Has anyone noticed that it is now extremely difficult to do three way calling with 401k custodians? Is this a recent change, and if so does someone have a good workaround?

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ADP 401k plan . I met a prospect that told me he is not happy about the plan he set last year with ADP. Anyone have any experience with their type of plan , etc ?

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How do you sell the benefits of managed money to your clients?

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How would you reply to someone who says they are going to roll their 401k to their new employer, after you’ve offered to review their options for those funds? I feel like people just blindly do things

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I’m an independent FA with a small BD. One of my partners has a BGA that he wants me to roll under. Stay true independent FA with the insurance carrier or go AGA route for benefits???

likehelpful
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What are my fellow Indy advisors using for benefits? Our family ditched the traditional medical for a Christian share plan last year, So far all is sound. How about Dental? Any bad experiences?

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Anyone have the CRPS designation? Thinking about going after 401k business and don’t know if it’s beneficial or not.

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Decided to give up alcohol this year, simply as an experiment. I would like to see first hand the health benefits. Can anyone speak to how they felt after giving this up?

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Tips 4 Saving in a non qual acct. My wife & I max all qual accts. 401k pre tax & Roth. Roth IRA & HSA. Any tips 4 saving in a non qual besides buying stocks & Funds i.e. Mmkt Fund to mitigate access?

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This is my first yr having access to an FSA through my wife’s benefits. Trying to decide on an amount to contribute and it’s tough. We may or may not get pregnant this year and that’s a huge. Cont..

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What are some of the good benefits at bigger firms?

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How many of you have rental properties? I am done maxing 401k, IRA and putting $ in index funds. But haven't had the time to research investment properties or courage to pull the trigger. Missing out?

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Where does your money sit? I.e. 10% in savings, 20% in 401k, 30% in etfs, etc.

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Is our comp and benefits really the best in the industry? Let's get some feedback from people who have been at other firms

likehelpful
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I don’t like my firm and trying to switch. I’m a licensed rep but not a FA, a 401k guy. Interviewers always ask why I am looking to leave. I try to explain the structure isn’t a good fit...

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Health Insurance? What are your premiums , deductibles and max out of pockets for a family plan w kids ?

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Anybody know if one can BOR a Paychex 401k plan? I am currently BOR at ML, looking to leave, and wondering if I can pick this back up on the other (Indy BD separate from my RIA) side.

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I’m a solo advisor trying to build my practice. what are the benefits of joining FPA for someone like me? Only have limited time so trying to make sure it would be worth the time and cost.

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What are the benefits of being a career agent (guardian, mass, penn etc) v. Broker. Other than the W2 vs 1099 and Pension. Brokers get higher payout but lower renewal Agents are reversed..

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Does a direct rollover from a 401k to an ira start the 60day rollover window? Client just rollover money to an ira needs to roll it out.

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Just initiated a 401K rollover for a very sweet couple, both aged 63. They both spent the last 17 or so years working at Wal Mart. Not in corporate, but in regular ol' stores.

likeuplifting
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Those who aren't married to someone who has benefits. What kind of Health Insurance do you have? Talking to a friend that has an HSA plan where he is responsible for first 10k then the rest is covered

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Working as 1099 at RIA, how are you paid on life insurance, annuities, 401k biz. Is this all outside the grid ?

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What are your personal financial milestones? Whether it be achieving a certain annual salary or maxing out your 401k contribution annually, storing X% of annual towards investments, owning X BTC, etc

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Need software that has public pension formulas built into it. Recommendations?

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My friend has need for a 401k. In the past I have dabbled on the b/d platform, now I'm RIA and wondering if it's worth it. I guess I just have them sign a retirement trust app, and get a TPA/CPA

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What are the best and most interesting benefits that you have at your job?

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Having been prospecting business owners for some time now, I am asked about 401k plans quite often. I am curious how you are managing the assets...do you offer a menu of investment options?

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For indies using account aggregation software where you can see all/most of the client's outside accounts on 1 page, have you seen any benefits and has it made any difference in your practice?

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I've never done any 401k business, but I understand I can become broker of record on existing plans. First of all, what does that mean? Do I just appear as a name on their statements?

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Million bucks inside employer plan paying 4% guaranteed. 82 year old widow with another mill in investments plus enough pension to meet all needs. Would anyone here move it? If so, where?

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Small independent RIA looking for a 401k plan to offer clients when it's the right fit. Looking for few fees, easy to use, easy for me to integrate with. Custody at td.

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For those who charge planning fees what do you charge? I'm looking at helping people at a company w a new 401k. They have a Roth option and can do 401k self-directed in a brokerage. What's reasonable?

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anyone have a good resource for explaining the benefits to clients of fee based vs commission based accounts and why you use the fee based? Getting some pushback from new client (continued...)

likehelpfulfunny
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For the purposes of getting tax clients and parlaying the relationship into 401K, advisory assets of owners/managers, insurance sales, etc., which would you go with and why?

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Every firm is claiming the benefits they give us are the best in the industry. so let’s clear things up once and for all: everyone here post what your firm offers for health insurance 401(k), life

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Anyone have experience with Tradelink through Trowe price as a separate account on a 401k plan. Through Fideilty 401ks i can set up a RIA billing feature for separate accounts. Is anyone doing the same through Tradelinke/T Rowe Price?

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What can you do for a client that wants to retire at 58 but has all her funds in 401K or IRA? Looked @ 72T but based on the highest of the 3 calculation methods it will only produce 1/2 income needed.

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Anyone here at Oppenheimer do any 401k business?

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anything out there that’s tax beneficial for high income EMPLOYEES other than permanent life insurance? They are not self employed and are maxing out 401k. New and haven’t had this come up much...

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Spoke to a client regarding $100k Moneyguard LTC. I had told him to be more aggressive w his 401k. Wife says to him today, you never made that change. Why don't you just give him the money to handle.

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Anyone know of a service besides Brightscope to check out a company's 401k plan?

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73 year old client stuck in a qualified annuity with a 2% cap rate and 1% income rider fee packaged with a 4.5% surrender charge. Plenty of income with SSI and pension Any thoughts?

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Going with a solo 401k so I can borrow 50k if I need it for buisness purposes in the future with no questions asked and fast what companies should I look at?

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But I have a client with an AF 401k. I am wondering if I can be the advisor of record on their personal AF 401k account without having to be the AofR of the entire plan? My home office says no

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How do you indy RIA's handle small and/or solo 401k plans? Any good recommendations for a starting point for someone who hasn't done any of this type of business as an RIA?

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Help please: Client lives in Illinois, has his money in an old 401k and wants to roll it into an IRA. He just found out that when his son got in an accident in a different state (cont'd)

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Setting up our first small business 401k! Should we be an ERISA 3(38) advisor? What are the pros and cons?

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Working for a small RIA on 1099. I receive about 80% payout AUM and the firm covers port mgmt, marketing, and a client service rep. However no other benefits such as office, health, 401k, bonus. Stay?

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Did stellar with a 401k seminar, anyone share a similar experience?

uplifting
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Does anyone here prospect 401k plans ?

likeuplifting
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Market advice I heard on CNBC: "Make sure you know how to log onto your 401k. Have to start somewhere I guess

likefunny
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I make approx mid six figures gross... but I only get paid like 72 after benefits, 10% 401K and taxes... am I doing my Maths right?... what is your in hand salary compared to gross. Single tax bucket

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Anyone have any luck with those "upcoming 401k appointment" email solicitations?

likeuplifting
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A member of my office is trying to join a chamber of commerce under a partnership agreement for $50,000...there are increased advertising benefits and sponsorship benefits. Anyone ever do a partnershi

likehelpful
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I have a client who needs a 401k, or a solo retirement account w loan options. When I was at UBS/Ameriprise, it was no issue but now it seems tougher to find a firm that does solo 401k as a RIA's.

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You are hiring a Sales Assistant, 5 days a week, 10-3PM. 25 hours. Small office, two of us (advisors). Suburban major metro area, no benefits. How do you pay her/him. hourly? salary? And how much?

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Having been prospecting business owners for some time now, I am asked about 401k plans quite often. I am curious how you are managing the assets...do you offer a menu of investment options?

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What's the most profitable way to prospect physicians? I pulled up my providers from my health insurance in the area and there are 3,115 within a short distance. Should I go to the doctor more often?

likefunny
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Had a client asking about blooom.com. I have read some about the company but would appreciate feedback...does a program like this help keep 401k balanced which is outside my advice or promote the DIY investor?

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My wife is due this year. California pays 6 weeks of “disability” for paternity leave. Has anyone who works for Wells figured out a way to take time off, collect commissions and disability benefits?

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55 year old client retiring early and all assets in 401k and Pension. Best way to take income without paying pre 59.5 penalty????

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How to become a morning person? I see a lot of benefits but doesnat come to me naturally. Tips?

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Client needed insurance as part of FP we did in Jan. Has dodged all calls and emails since then and refused to do med exam. Emailed just now to ask how he's doing and to review his work benefits...

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Anyone serve on a pension board for a police or fire department? Meetings look to be quarterly and this board also determines pension benefits regarding disability approval, investment decisions, etc.

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Social Networking came through today. Just got a corp directory and 401k investment line up from a college friend because I asked him on LinkedIn

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New client looking to switch from Simple to Safe Harbor 401k (needs safe harbor because owner makes 5x what employees make(dentist office )Does anyone know if there is a custodian who offers this?

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