SAS Financial Advisors, LLC
Ira has over 20 years of experience in the financial services industry. He provides both financial planning and investment management services with an emphasis on using his counseling skills to build and mange relationships. Thus, Ira is able to improve his clients’ abilities to make better decisions. Ira also started a business to focus on providing financial planning skills to working families and individuals called the Institute for Personal Financial Planning, LLC which can be found online at www.betterdecisions.money. They offer workshops for DIY personal financial planning in partnership with SF State College of Extended Learning in downtown San Francisco.
BS, Industrial and Labor Relations, Cornell University
M.Ed., Counseling, Northeastern University
Assets Under Management:
Yes there are ETF's and open ended mutual funds that offer hedge fund like frameworks. They generally have higher fees and spotty performance and risk standards. I would not recommend this type of investment for anyone without analyzing and understanding how it fits into your investment plan as well as your personal financial plan.
If you have an investment portfolio with over $1M I guess you do not have a financial plan or financial planner? You would benefit from establishing a Roth IRA if you are eligible by income and earnings. This information is easily accessible on Investopedia. If you are eligible to establish and contribute to a Roth IRA, contributions are limited each year so you could not transfer $100/200K at once. But earnings in a Roth IRA are tax free when distributed after age 59 1/2, so why wouldn't you want to earn returns tax free? You can only contribute cash to IRA unless you are converting from a traditional IRA to a Roth IRA.
It depends on whether you are collecting benefits before your full retirement age or after. Before full retirement age the limit before your benefit is reduced is $15,720 (for 2016). However, even though your current benefit is reduced the reduction is put back in your benefit bucket and raises your benefits after full retirement age. If you work after full retirement age, your earning have no affect on the $ amount of your benefit.
There is legitimate disagreement about the effectiveness of rebalancing more frequently or less frequently. Here is a link to a useful blog post https://www.kitces.com/blog/how-rebalancing-usually-reduces-long-term-returns-but-is-good-risk-management-anyway/
This is from Ed Slott's website:
If you are participating in the retirement plan where you work and if the plan allows, you do not have to take any RMD from that plan until the year you retire. If you own 5% or more of the company, you have to take an RMD. These rules apply to most employer plans. If the plan is a SEP or a SIMPLE, you have to take the RMD since those are IRA based plans. From any plan where you are required to take a distribution, you can continue to make contributions, as long as the plan allows. - See more at: https://www.irahelp.com/slottreport/im-still-working-whats-my-rmd#sthash.pVh5zuC8.dpuf
This is Ira-your desire to rollover your previous 401k balance is an unanswered question? I would check with your tax advisor for a more definitive IRS opinion