Michael Eugenio

CFP®
Personal Finance, Retirement, Investing
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“With over 30 years of experience in the Financial Services industry, Michael Eugenio, is dedicated to custom building and managing growth oriented, risk-averse portfolios for each individual client. Oregon and Washington”
Firm:

Eugenio Financial

Job Title:

President

Biography:

Eugenio Financial is a Registered Investment Advisor (RIA), and Michael Eugenio is a Certified Financial Planner (CFP®), dedicated to custom building and managing growth oriented, risk-averse portfolios for each individual client. Michael's clients receive exceptional service, assuring smooth, informed, independent decision-making for all their investment and money matters.

Michael founded Eugenio Financial in 1990. His mission from the outset is to provide individuals and their families with the objective, independent financial advice that they want and deserve. Michael and his team serve clients in Oregon and Washington. His clients include pre-retirees 50+, retirees, people who have self-managed their investments and now see a need for an advisor and people seeking a second opinion.

Michael, who has been involved in the financial services business since 1986, believes in a long-term consultative investing approach with the goal of achieving steady, consistent growth. Each one of his clients is unique. By taking the time to really get to know them, Michael and his team gain the necessary insight to design an investment approach that is uniquely geared to their goals. This enduring approach has historically survived the most severe economic and market challenges.

When not working, he enjoys spending time with his wife Ellen, and spoiling his grandchildren, Tyler, Marissa, Joey and Silas. Michael has a passion for seeking out and collecting fine wines. He is also an avid Mariners fan, enjoys reading about US History and is very much at home in front of his Big Green Egg BBQ.

Eugenio Financial works with clients from Oregon and Washington state.

Education:

BA, History, Mount St. Mary's University

Assets Under Management:

$22 million

Fee Structure:

Fee-Only

CRD Number:

2475700

Disclaimer:

The information provided is solely for informational purposes and  is not meant to be, and should not be construed as advice or used for investment or Financial Planning purposes. It is recommended that before making any decisions regarding Financial Planning or Investment Advice that you seek the counsel of a Trained & Certified Fee Only Professional.

Michael Eugenio CFP, is an Investment Representative of Cascade Financial Concepts, Inc DBA Eugenio Financial, a Registered Investment Advisor

Read more: Michael Eugenio CFP® | Investopedia http://www.investopedia.com/advisor-network/advisors/82428/michael-eugenio-cfp-/#ixzz4hZFb8DZl 

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    Asset Allocation, Investing
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All Answers
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    Estate Planning, IRAs, Retirement Plans
What rules should I be aware of when inheriting a previously inherited Traditional IRA?
100% of people found this answer helpful

An Inherited IRA can be handled a couple of different ways.  Because the IRA was already making distributions, the beneficiary must also continue the distributions.  I am going to assume the decedent, your Mother's Sister, was past age 70 ½ which would require annual minimum distributions (RMD.)

Your Mom can choose to continue those distributions based on her sister's life expectancy had she lived, or her own life expectancy.  Potentially, taking the RMD based on the longest life expectancy will result in receiving more money over time, even though the amount will decrease annually.  

Because you are the new beneficiary, if you Mom dies with a balance in the IRA, you will cointinue with those distributions. However you can choose to take distributions based on your life expectancy, which would reduce the taxable amount and allow for possibly more money over time.

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