What is the best setup for Retirement Plan Advisors? RIA? B/D? Hybrid? Other?

Does anyone have any good self created templates they’re willing to share for use in the context of stock option planning?

I NEED HELP WITH CREDIT SCORE issues: Two months ago my credit score went down by 30 to 40 points due to dad missing credit card payment by a day (i got added to as authorized user on his credit card for me to build credit but now I’m filled with regret). I was devastated by it. This past month I have been making more payments and paid off my aug statement in full thinking it will boost my credit score. But I don’t know why it went down another 10 points. More below:

Do we have to update the tracking and trading with details of like mutual fund, life insurance

Diversification is the key. My portfolio includes a bit of most of these.

1. Debt/Liquid mutual funds (direct)
2. Gold
3. REIT (fractional ownership and distribution)
4. Equity mutual funds (ELSS, direct)
5. Direct equity (India)
6. US stocks and ETFs (tech & genomics)
7. Crypto currency (interest deposits)

Who else is reeling under the pain of taxes?

Anyone have a crypto kitty?

IGC just got delisted. Any thoughts what will happen to our shares?

Anyone willing to help me with evaluating a commercial RE investment I am considering? I am new to the commercial side and hence looking for an experienced perspective.

Still using Ally Bank savings account, but the APY had dropped to .60%. Time to move. Any recs on personal savings account? This is my emergency “savings”

People worrying today should read books on trading psychology! Not being patronizing- it will help you in the future, not just for investments but for doing better in life!

What is the best way to handle group financial consolidation in a multinational company?

Best robo investing platform? Current shortlist is SoFi Invest and Betterment. Trade off right now is no management fee vs tax harvesting

What are your thoughts?

Can someone tell me how to withdraw all funds from a 401k from a Merrill account? I know the implications, etc don’t need someone to give me the run-down. Legitimately want to withdraw everything

I want to buy a new home and then sell my current home after we are moved out. Current home is a VA loan, is there any way to buy the second house on a VA loan?

In Chicago Illinois, are Propepty taxes paid annually? Or in another way, if I sold my house today, I am still due to pay second half of 2021 in taxes at my end?

Hello NYC fishes. If you pay your fares via OMNY for SBS bus, and there is no ticket to show if fare cops ask you for it. Apple Pay history won’t show up immediately after transaction (Chase), then what do you do?

Just bought a home and have some large capex coming up. Redo kitchen/finish basements and other stuff. Does it make sense to pay out of pocket for it if I can afford it or borrow and add on to my mortgage?

Is it wise to buy a home now with high interest rates in nj or would it be wise to just wait and see? Looking to buy a house in central NJ

If I see one more article on how millennials are ruining the economy or housing market by not buying enough homes or selling enough homes I'm going to scream. We were saving for 3 years before Covid and had to use a solid chunk to take care of ourselves and our families during quarantine. Now that we're ready to save again inflation and COL are at an all-time high and we're headed into a recession. And somehow this is my fault for what...not being a boomer? Bffr.

Please suggest some good banks for mortgage rates. First time condo buyer.

For those of you with government contracts, Whats your thought on political giving in this cycle given the heightened scrutiny?

I have 10+ years of software experience but no animation experience at all. Love gaming but wonder if studios have a need for developers who don’t focus on the animation or design of a game? Thanks!

Lease on my current vehicle ends in a few weeks. Do you think auto prices will drop and financing will become free in the next little while?

Should I hold off and Uber around until the drop?

What do I do with a defunct company stock that still sporadically has trading volume? For reference, it went permanently out of business I. 2016 (chapter 6) but the stock still trades occasionally. Do I need to sell so I can claim the loss or will it just automatically go to 0 at some point? I would have expected it to happen eventually but it still has value (about 2 bucks for 200 shares lol)

Hey all,
I’m a ISB YLP admit, currently open to working with prospective applicants for essay reviews and interviews.
Let’s all keep connected and help the best of us unlock our potential at ISB!

First 70 billable hour week and am dying. How do some of you do this on a regular basis?

Hi Guys,

Getting offer from both JP morgan and Hitachi Vantara, my only priority os work life balance.

Is Hitachi Vantara offering good work life balance? I'll be joining at Manager Level.

Looking for a new challenge and have heard great things about Adobe. Does anyone have feedback on the inside sales/account management roles?

Is AAS a good area to gain transferable skills and learn a lot? Comparing to audit.

What's the location of LTI in Noida or Delhi, are the offices up and running?
What are pros and cons joining LTI
What's the annual hike and performance bonus %

Today’s my first day changing my pronouns at work, I am excited and terrified!! If you did the same and feel like sharing, I would love to hear your experience 💫 I am so anxious!

Hello fishes,
Anyone has a clue when will Form-16 be available?
My LWD is near, so just wanted all these docs before I loose access.

I went to a T14 law school, got great grades and glowing recommendations, and wrote (what I thought was) a great writing sample. But I got rejected from all 70 federal clerkships I applied to. The only thing I can think of is: I took a non traditional route after law school and did a 2 year public interest fellowship in a niche field of administrative law. The rejection gave me a lot of self hatred. I still really want to clerk. Any advice? What is wrong with me? I feel like a failure.

Can anyone advise on new Sr. Consultant, Deal advisory, valuations salary in downtown Toronto office?

I have solid experience in technical program management, any recommendations on companies in San Diego that are looking for program mangers or general technical leadership

Got an offer as a Senior 2 in EY’s FAAS practice for $117,500 base and $12,500 bonus. Home office is San Francisco. Is this expected for that position? Any insights?

Hi Everyone,

Are there any good Deloitte UK discount codes for hotels?

I was pushed into AML for an year long project, was hired for Cyber practices. What are the prospects of working in AML/KYC from Deloitte?

Does anyone partner with any 401(k) robo-advisors like Guideline, Vestwell, Human Interest, Ubiquity, etc.? How are they compared to more established 401(k) providers? Pros/cons to any or all?

What are you doing to ensure profitability for small plans with limited comp?

I’m 9 years in. Currently taking the educational requirement for CFP through American College. I feel like I can’t focus because I am not really learning anything. Any tips to keep eyes on prize?

Are u allowed to be an insurance agent while at PwC

Wondering what the industry average is for a client facing support role to a 401k Advisor? We help with 80 401k plans with assets over $250 million. I have my series 65 license and I feel as if I am under compensated for my experience and being a licensed rep. I have been with the group for 2.5 years now. Thanks!

Does anyone have thoughts on RPAG? Is it worth the cost? Is there something better?

Hi all! We are looking for help with our retirement plan team! Looking for coordinators to assist with managing the plans. Offices in many locations. If you know of anyone, message me!

Which firms do good actuarial work for cash balance plans?

Hi all- new to fishbowl. Not really sure how to use and explore the app yet but I saw this bowl and figured I would introduce myself. I am a wholesaler for 401K and I am able to partner with advisors who currently uncover 401K opportunities or are looking to learn how to. Reply if you are an advisor in the NYC area and interested in learning about how to expand your business.

Best place to work as a retirement consultant? Empower, Fidelity, Vanguard, T. Rowe, Lincoln, etc? New to field and want to get a sense of where my salary is at compared to competitors.

With interest rates rising, I Bonds are back in the discussion. Thoughts?

Which Investment Analysis and Reporting System do you use? What are the pros/cons?

How big is your RP book? Do you consider yourself a specialist?

What’s your tax strategy to minimize self employment taxes?

Looking for whole life insurance. Who is better Mass Mutual or Northwestern or NY life?

Welcome to the Retirement Plan Advisors Bowl. The goal is to give advisors of Retirement Plans a place to discuss the challenges, opportunities, and daily ins and outs of working with all types of employer sponsored retirement plans.

How is everyone approaching educating current and potential clients on the Secure Act?

So... how can I become more involved with MEPs?

Recently attended an FA conf. where there was discussion about 401(h) plans & their tax advantages.
I know a variety of 401(k) providers available via my B/D but don’t know of 401(h) ones. Do you ?