Retirement Investment Tips

Investment Tips For Retirement 

Even very experienced investors can find the stock market difficult to navigate AND LEARN THESE investment tips for retirement. There is the chance to see big returns, but you can also see massive losses. Investing your money wisely will be easy thanks to the advice you’ve read here, so get started today!When you do buy stock, establish yourself a stopping point. When your stocks get to that point, sell immediately. However, if you think the stocks will rise again, hang on to them and wait a while. However, selling to minimize your losses is usually the best choice.Participate in an Internet investing forum. This type of forum will let you interact with other investors, and give you different strategies. You can share experiences and provide help for one another. If you join a forum, you’ll gain lots of investment tips that is not available elsewhere. Call Winther & company, Inc today at 805-5832720 to schedule an appointment on how you can plan for retirement with our certified financial advisors.

Retirement Investment Tips

You should invest money in stocks that are damaged, but you should avoid companies that are. While you can get a great price on stocks during a temporary downturn, it is important to ascertain that it is indeed temporary. If a company misses a deadline because of a temporary situation, its stock can plummet as investors flee these investment tips. Some circumstances such as a financial scandal usually mean a company will never recover.Follow dividends of any business from which you purchase stock. This goes double for an investor who needs a steady income and can’t handle large losses, such as a retiree. When a company is profitable it usually pours the money back to the business or offers dividends to shareholders. It’s extremely important to know a dividend’s yield. This can be calculated by just knowing the annual dividends and dividing this number by the stock’s price.

When you start trading stocks, remember this cardinal rule of investment: Never invest money you cannot afford to lose. This is especially important when it comes to high-risk investments. Even if your investment choices are very safe ones, never forget that a total loss is always a possibility. The stock market is no place for money that you need for your everyday life expenses. When you first start out, keep things simple as you invest. It could be tempting to do the things you have learned right away, but if you’re new in investing it is good to focus on one thing that truly works and stick to it. This will reward you with smaller losses, bigger profits and a solid base of experience.

Cash isn’t necessarily profit. The flow of cash is vital to all financial operations, from your life to your investment portfolio. While is it nice to be able to reinvest some cash or spend some of your gains, you have to keep money on had so you can afford paying your bills. Try to retain a six month emergency savings balance, as a “just in case” precaution.There are many options for safe investment when it comes to investing in stocks. Use this advice to make safer and more successful stock market investments. Have you ever noticed that the things you buy every week at the grocery and hardware stores go up a few cents between shopping trips? Not by much…just by a little each week but they continue to creep up and up if you don’t use our investment tips.

All it takes for the price to jump up by a lot is a little hiccup in the world wide market, note the price of gasoline as it relates to world affairs.There is a way that we can keep these price increases from impacting our personal finances so much and that is by buying in quantity and finding the best possible prices for the things we use and will continue to use everyday… things that will keep just as well on the shelves in our homes as it does on the shelves at the grocery store or hardware store.For instance, dog food and cat food costs about 10% less when bought by the case than it does when bought at the single can price and if you wait for close out prices you save a lot more than that. Set aside some space in your home and make a list of things that you use regularly which will not spoil. Any grain or grain products will need to be stored in airtight containers that rats can’t get into so keep that in mind.Then set out to find the best prices you can get on quantity purchases of such things as bathroom items and dry and canned food.

You will be surprised at how much you can save by buying a twenty pound bag of rice as opposed to a one pound bag but don’t forget that it must be kept in a rat proof container. You can buy some clothing items such as men’s socks and underwear because those styles don’t change, avoid buying children’s and women’s clothing, those styles change and sizes change too drastically. Try to acquire and keep a two year supply of these items and you can save hundreds of dollars with these investment tips.

Call Winther & company, Inc today at 805-5832720 to schedule an appointment on how you can plan for retirement with our certified financial advisors

Fiscal Cliff Tax Changes

Fiscal Cliff Has Been Averted – The Tax Implications And Changes

The “Fiscal Cliff” has been averted as Congress passed the American Taxpayer Relief Act of 2012 on January 1, 2013. The Act allows the Bush-era tax rates to sunset after 2012 generally for individuals with income over $400,000 and families with incomes over $450,000, permanently “patches” the alternative minimum tax (AMT), revives many now-expired tax extenders, including the research tax credit and the American Opportunity Tax Credit, and provides for a maximum estate tax rate of 40 percent with a $5 million exclusion, as adjusted for inflation. What are the fiscal cliff tax changes from these implications?

In addition to an extension for most taxpayers of the lower individual income and capital gains tax rates, marriage penalty relief and more than 50 other tax benefits popularly referred to as the “Bush Tax Cuts,” the legislation makes over 100 changes to the Internal Revenue Code.

Highlights of the American Taxpayer Relief Act of 2012 include:

  • 39.6% tax rate for incomes above $400,000 ($450,000 for families)
  • 20% Maximum Capital Gains/Dividend Tax Rate
  • All other Bush-Era Tax Rates extended
  • Permanent AMT Patch
  • Five-Year Extension of American Opportunity Tax Credit
  • Two-Year Extension of Business Tax Extenders

Fiscal Cliff Tax Changes

Major Fiscal Cliff Tax Changes:

The major theme for 2013 is “reflation,” or a continued recovery for personal and financial assets.  Investors are still concerned with policymaker decisions to address fiscal concerns, and this poses some short term headline risk (headline risk being these short term reactions in the markets to the latest news).  Still, 2012 proved to be a good year for equity investors in spite of the general disbelief that we are in a recession.

The National Association of Homebuilders reports a recovery in the housing market.  The changing demographics of our country will aid with this recovery, as we saw a lull in household formations over the past few years.  This is tied to people between 30-35 years old, which is a key demographic for household formation.  The children of the 80s (Gen Y or the “Echo Boomers”) are hitting that key demographic.

Also, the personal debt to income ratio for our country improved from 130% to 100%.  Personal balance sheets have improved from debt reduction and some recovery in home values as well as their investment accounts.  Brian also cited pent up demand for cars as the average vehicle on the road these days is about 11 years old.  We could also see spending for other durable goods which should aid consumption and further fuel the economy.

Overseas, Europe continues to struggle, but European financial failure could have been much worse and devastating to the global economy.  European Central Bank actions to maintain the Euro has worked well.  Even Draghi’s words even had a positive effect on the European markets (that they would do “whatever it takes” to maintain financial stability).

Emerging markets or developing countries have seen significant growth, and there is much positivity to cite for the consumer in those countries who now have more free cash flow than they ever have in the past.  Oppenheimer never believed in a hard landing for China as they have trillions in reserves.  Even if they cannot achieve double digit growth, a modest 7% growth creates the equivalent economic production of a Saudi Arabia or Poland.

Brian expressed Oppenheimer’s clear favor for equities.  They are concerned about interest rate sensitive securities (bonds), and when it comes to bonds they recommend a barbell strategy.  Many investors are overweight to high quality US BarCap Agg type allocations.  They may be better served by this barbell which might be heavy in shorter duration, good credit quality on one side and high yield, senior floating rates on the other side.

Oppenheimer recommends a “new 60/40” which essentially is more global portfolio.  Equity exposure should include a significant amount of international and emerging markets, and bond exposure should also do that as well.  Brian shared the example that 10-year sovereign debt securities from Brazil yields close to 10%.


What does that mean to us?   Investors need to find a way to return to their long term strategic asset allocations, using a well-diversified, global, and professionally managed strategy.


Chad Smith CFP®, ChFC®, CLU
Our elected leaders started the New Year by passing the American Taxpayer Relief Act of 2012. This new legislation solves the tax side of the fiscal cliff and delays the mandatory across the board spending cuts that where scheduled to take place on January 1. For most Americans the new legislation permanently extends the lower income tax rates that they have paid for the last 10 years. However, high-income taxpayers, earning above $450,000 ($400,000 if single), tax rates will increase in several categories. In addition, working Americans will be affected by the expiration of the Payroll Tax Holiday. In 2011 the payroll tax was reduced from 6.2% to 4.2% and the American Taxpayer Relief Act failed to extend the 2% reduction. In addition, Americans earning $250,000 ($200,000 if single) will also be impacted by the new tax increases from the Affordable Care Act. While elected leaders still have to address the mandatory spending cuts and the federal debt ceiling in the coming months, most Americans now have some certainty as to how tax policy will affect the 8 Wealth Management Issues®.
2013 Tax Overview
With the newly approved legislation in place, Americans can expect:
• Expiration of the Payroll Tax Holiday – Payroll taxes will increase from 4.2% to 6.2% affecting working Americans.
• Income Tax Rates – Income tax will stay the same for most taxpayers that earn below the threshold of $450,000 ($400,000 if single). Taxes will increase for those that make above $450,000 ($400,000 if single) reverting to the top tax rate under the Clinton administration of 39.6%.
• Capital Gains and Qualified Dividend Rates – For taxpayers with income above $450,000 ($400,000 if single) capital gains rates and qualified dividend rates have been increased to 20%. For all other taxpayers the rates remain the same at either 15% or 0%. For taxpayers with income above $250,000 ($200,000 if single) the new 3.8% Medicare surtax will be added to the base rate.
• Permanent AMT Relief – The American Taxpayer Relief Act increased the 2012 AMT exemption to $78,750 ($50,600 if single). This legislation also created a yearly inflation adjustment so that Congress will not have to pass “AMT patches” on an annual basis.
• Personal Exemption and Itemized Deduction Phase Out – Both personal exemption and itemized deductions will be phased out for taxpayers with income above $300,000 ($250,000 if single). (Since 2010, neither personal exemptions or itemized deductions have been phased out based on income.)
• Federal Estate and Gift Tax – The American Taxpayer Relief Act made permanent the $5,000,000 (adjusted for inflation) gift and estate tax exclusion beginning in 2013. This legislation also increased the estate tax rate from 35% to 40%. The bill made “portability” permanent allowing a spouse to utilize a deceased spouse’s unused exemption amount. The annual gift tax exclusion has been indexed for inflation to $14,000 per year.
The American Taxpayer Relief Act of 2012
The Affordable Care Act
Effective now, the employee portion of the Medicare payroll tax will be 1.45% for the first $250,000 ($200,000 if single) and 2.35% for income over $250,000 ($200,000 if single). In addition there will be a new Medicare Excise Tax of 3.8% on investment income for taxpayers above $250,000 ($200,000 if single). This tax will be levied on interest, dividends, and distributions from non-qualified annuities, royalties and rental income.
Planning Considerations Steps to take:
• Evaluate Personal Spending – With the expiration of the Payroll Tax Holiday, Americans earning a paycheck will see them decrease by 2%. For workers living paycheck to paycheck the 2% decrease in take home pay could stretch monthly budgets.
• Look to Maximize Qualified Planning Opportunities – With income taxes increasing for some, taxpayers should look to vehicles like 401(k) and defined benefit plans to reduce taxable income.
• Evaluate Portfolio Construction to avoid the Medicare Surtax – Consider tax-advantaged vehicles like municipal securities. Look to place certain asset classes in qualified accounts while maintaining more tax efficient asset classes in taxable accounts.
• Consider AMT Favorable Investments – For taxpayers subject to AMT, consider looking at AMT free municipal securities and tax advantaged vehicles.
• Create a Written Plan – It is hard to know where you are going without knowing where you are. The process of creating a written plan can assist a family in knowing if they are on track to meet their personal goals and objectives. In conclusion, Many Americans have delayed their personal planning waiting to see what would occur inside the Washington Beltway. While there are many things yet to be resolved on Capitol Hill, we now have certainty concerning the tax side of the fiscal cliff. Over the next few months, politicians will move on to the next crisis. At the same time American families should begin implementing their personal planning strategies by meeting with their Advisors to create a written plan. This begins with an investment and cash flow plan which looks at a family’s specific goals and objectives. The second step also takes into account a family’s cash flow, liquidity needs, risk tolerance, and family dynamics. The planning process is dynamic and needs to be monitored to ensure that the plan stays current with changes in tax law and personal dynamics.

All The Fiscal Cliff Tax Changes As A Result

Fiscal Cliff Tax Changes








The views and opinions presented in this article are those of Chad Smith and not of H.D. Vest Financial Services® or its subsidiaries.
Investments are subject to market risks including the potential loss of principal invested.
This information does not constitute tax advice. Please consult your tax adviser for complete information.
Investment and Insurance Products: NOT FDIC Insured | NO Bank Guarantee | MAY Lose Value
Securities offered through H.D. Vest Investment ServicesSM, Member SIPC, Advisory services offered through H.D. Vest Advisory ServicesSM
6333 North State Highway 161, Fourth Floor, Irving, TX 75038 (972) 870-6000
1141760 01/13

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Forex Trading Plan

Tips For Success With Your Forex Trading Plan


Forex is a market, participated in all over the world, where people can trade currencies for other currencies. For instance, an investor who owns a set amount of one country’s currency may begin to sense that it is growing weaker in comparison to another country’s. If he’s right and trades the yen for the dollar, his will make a profits with froex trading.

Your forex trading software should contain a market analysis component. It it does not have this capability, you won’t have any way of knowing which currencies are best for exchange. To find the right software to fit your needs, check out some of the many online review sites.

Forex Trading Plan

You amy be tempted to use multiple currency pairs when you start trading. Stick with a single currency pair for a little while, then branch out into others once you know what you are doing. Once you get some experience, you can branch out further and have a better chance of making money instead of losing it.

Limit the number of markets you trading in until you have a strong grasp of how Forex trading works. Otherwise, you risk becoming frustrated or overly stressed. Try to focus on the primary currency pairs. This will increase your confidence in your own trading abilities, and boost your chances of overall success.

Learn the bugs in your trading software. All software will contain some errors or glitches, even if it has been available for a very long time. Learn all you can about any known glitches your software might contain. This will help you to prepare for any potential problems. You don’t want the software to fail while you are in the midst of trading.

For those interested in forex trading, realize that high leverage accounts do have some downfalls. While this gives a more dynamic spectrum, it also increases the chances for failure in a beginner’s hands. Just be sure to understand the process thoroughly.

Never waste your money on a “black box” trading product. Such products are fraudulent in virtually all cases. Systems like these do not give you that much information and their methods of conducting business is very suspect.

Never trade with real money until you completely understand the basics of getting into and out of trades, setting stop orders and using indicators to read market trends. At least a couple of months are required before you will fully grasp the demo trading process. Only about 1/10 people make money with Forex. A majority of first-time traders fail for nothing more than a lack of understanding.

Make sure that you establish your goals and follow through on them. If you invest in forex, set goals and select dates for when you want to achieve those goals. Be prepared to have some errors as you start the learning curve. Make sure you understand the amount of time you have to put into your trading.

You’ve made the decision to try forex trading. You should understand how the foreign exchange market works before you get into it. Educate yourself on the causes of movement in the currency market, as well as the way the market fluctuates. Learn about the different currencies that are regularly traded. By doing research and learning about the currency, you will be better prepared to choose the best pairs and make more money in the future.

Don’t diversify your portfolio too quickly when you are first starting out. Test your skills with major currency pairs before you jump to the uncommon ones. Avoid over-trading in different markets. If you are juggling too many trades, you are more likely to become careless with your choices.

Forex is not a game and should not be treated as such. Anyone entering Forex trading for the thrill of it will end up finding only disappointment. A gambling casino might be a better use of their time and money.

Placing stop losses when trading is more of a science. You need to take note of what the analytics tell you, and combine them with your trader’s instinct to beat the market. To master stop losses, you need a lot of experience and practice.

You should never trade Forex with the use of emotion. You will lessen your likelihood of loss and you will not make bad decisions that can hurt you. Emotions are important, but it’s imperative that you be as rational as you can when trading.

Don’t be greedy when forex trading. Know what you are good at and exploit it. You should start off slow to cultivate forex experience, and even as you become seasoned, you should avoid rash trades and wait until you are certain before you act.

Forex is a massive market. It is in the best interest of investors to keep up with the global market and global currency. The average trader, however, may not be able to rely on their own skills to make safe speculations about foreign currencies.

Copyright Forms

Get Copyright Forms And Info Here


Copyright is a authorized fiction built to shield the works of artists, inventors and innovators. In this article we will show you how and where to get copyright forms. In essence, it is a legal bar, making it possible for exclusivity for many who produce performs in the form of an intangible asset which may be sold or relinquished, and which expires on a certain length of time. With all the expansion of the net, as well as the development of extra and more subject material, the interrogation of copyright is now more and more much more appropriate, and a single which more and more site owners are thinking about to protect their very own pursuits. Additionally, with all the rise with the freelancer market, the issue of copyright has become a heated subject of debate for both of those buyers and sellers at just about every stage in the creation chain, as well as the effects of not possessing the pertinent rights may be potentially catastrophic. In this article, we’ll look at just what copyright is, and how it relates towards the net in subject material creation.

Copyright is undoubtedly an synthetic strategy that offers the creator of the perform, or even the human being he sells the best to, the legal appropriate to implement or modify in entire or in part, and to contact their very own. It’s a special meaning in many jurisdictions, nevertheless the basic theory is identical: the creator owns the initial copyright into the work in query, and has the freedom to pass this on at will, commonly in consideration for revenue. Exactly where a creator is doing the job on commission, copyright is made to act like a lien in his favour, that means that if he results in and passes on but won’t receive payment, he can withhold copyright and sue for breach wherever relevant. Naturally, he would also have treatments underneath the standard regulation of contract, even so the grasp of copyright forms is a really effective device, which might even be utilized against the 3rd party purchaser from your first commissioner.

Copyright is made like a tool to address what exactly is called intellectual property. You want to know where to get great forms to register your trademark, name, or patent.  Committing intellectual feelings and ideas to paper, or making them tangible is usually enough to give rise on the copyright defense, which commonly lasts for any quantity of many years in stopping other people from steeling strategies. This can be mostly intended to really encourage ahead imagining and art, and may be a vital instrument in guarding the economic interests of individuals to blame for many of the world’s most essential progressions. Contemplate the inventors from the seatbelt, Volvo. Volvo could have applied their copyright to avoid other companies from installing seat belts, which might have been adequate to safeguard almost every other maker from doing so. Obviously they waived their rights to the basic safety in the standard community, which can be also a possible thing to consider for the creator of a little something new and revolutionary.

Copyright can be an exhaustible correct, and it normally expires on a presented day, right after which all is effective enter the public domain. This implies that individuals who make new solutions have enough time and energy to capitalise on their concept before the earth at big can be a part of in. Sadly for most musicians, this implies their creative is effective can no more make them money exclusively, and can be used royalty free of charge; a proven fact that has brought about considerably uproar and unrest in recent times.

Copyright forms can be a dynamic area of the regulation, and it is particularly pertinent towards the net. As much more plus more subject material of more and a lot more varieties is created online, there will come a have to obtain protection in copyright regulation to prevent unscrupulous events from utilizing material devoid of authorisation. In combating this, a variety of intercontinental authorized organisations are already established having a view to tackling copyright forms violation, and assisting these without the need of authorized aid to battle cases for your security of their function. It can be certainly a region of law that is to the ascendancy, as lawyers throughout the world try to locate a cohesive composition to on line intellectual residence regulation, as well as protections on the internet authors really should be afforded for making their performs. A minimum of in nationwide boundaries, it is actually really doable to rely on copyright laws to shield and govern product.  Get affordable Copyright forms by clicking any of the banner links on the page and you can get affordable Copyright forms.

Copyright Forms

401k Rollover

Winther And Company, Inc.  Offers
401k Rollover Services

Winther & Company, Inc. can handle your 401 k rollover services right here in Simi Valley. If you have been laid off from your previous job, or have transfered to a new job and have an existing 401k that is not actively being managed, Winther & Company, Inc. can handle the rollover 401k and manage your financial obligations at our corporate offices in Simi Valley. Winther & Company, Inc. has the financial management skills to roll over your 401k and manage your investments in funds that meet your required expectations. If you are more of a risk taker, we can mange your funds in an aggressive growth fund. If you are a long term saver, and with to be more conservative, we can put your investments into a slow growth conservative fund.

Call one of our qualified investment advisors today to schedule a free consultation about rolling over your 401 k into an IRA. We would be happy to assist you!

What is a 401k Rollover & What are the best Companies?

401k rollover

Just what is a 401k ?When seeking and sifting by way of copious amounts of complicated and conflicting details concerning financial retirement price savings and designs it is actually rather probably that you simply have arrive across the term 401 k. You may have wondered if which was the latest robot in the Star Wars saga nevertheless the truth of the make any difference is that this is a variety of retirement financial savings designs that is definitely created so employees and employers alike can contribute to a fund that’s set aside for your long term retirement.A lot of people devote pretax earnings into their 401 k money, which they then possess the choice to invest in mutual cash of many options. You are going to discover these mutual cash in a very huge array of decisions from income industry accounts to extremely aggressive and dangerous inventory portfolios. Should you perform for among the lots of businesses across the region that provides the option of the rollover 401k into IRA approach you’ll be actually robbing your potential self to not make the most of this supplying. You’ll find 3 normal kinds of contributions to 401k programs: matching contributions, elective contributions, and non-elective contributions.

Matching contributions are incredibly pleasant through the standpoint on the personnel because employer matches a predetermined amount of the money invested because of the employee in the direction of this fund by these companies. Diverse corporations will offer distinct amounts for their matching contributions. In case these companies will match approximately a specific percentage of that which you make investments into your 401 k it is best to consider them up on their supply. That is cash that should gain you later in existence and should not be thrown absent with no a darn great for carrying out so.

An elective contribution is revenue that you simply invest in advance of taxes are taken away from your wage. This implies that you simply are not having to pay money taxes on these funds at modern amount of taxation. Lots of people believe that it is a good approach because the assumption is the fact you’ll be in the reduced tax bracket upon retirement though there are no guarantees that which will be genuine. This cash is dollars that you have elected to invest within your 401k rollover services into an IRA method, instead than bring property inside the form of salary, hence the name of elective contribution by these companies.

Non-elective contributions are dollars that employer deposits into your account. In most cases you cannot opt to just take this income as dollars alternatively than an investment as part of your 401 k rollover  into IRA.

401k Rollover Services 

There are actually restrictions for a way substantially you’ll be able to commit into your 401 k program on a given year. You’ll want to seek advice from the IRS to get the real figures because they have modified with time and they are very likely to keep on undertaking in order the cost of dwelling increases across the nation. Once you get to the age of fifty you happen to be permitted to make more contributions on your approach as a way to ‘catch up’ and improved prepare for retirement when you choose the right 401k rollover companies.

When finding out your selections for retirement economic preparation you must cautiously think about using your employer up on any sort of help they offer within this endeavor. Whenever they provide to match the cash you spend within your retirement you may wager that cash has currently been deducted in their calculations within your salary. Put simply, they’re supplying you the money you have earned in the distinctive way. The good news is that if the time comes to retire you might have the ability to understand just about every greenback that has been invested along just how your do your 401k rollover.

401k Rollover Companies- Winther CPA

We could by no means hope to simply help save the cash that we’re going to need to have in order to retire. Even investments are challenging for the overwhelming majority on the inhabitants. Because of this, it’s a sensible financial investment decide to make use of any chance to improve your funds by employers matching your contributions. Go ahead and take optimum benefit they may match and when that you are significantly frightened about your financial foreseeable future a lot more than your latest financial circumstances, spend the maximum allowable volume yearly with your 401k prepare. If you are are in need of a 401k rollover into IRA, then give Winther & Company, Inc. a call at 805-583-2720and we will be happy to speak with you about your 401k rollover.