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

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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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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
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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 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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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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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?

likesmart
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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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