Patricia Sperduto

CFP®, AIF®, MBA
Personal Finance, Retirement, Investing
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“Patricia Sperduto is a Fee-only Planner and Portfolio Manager at Meyer Capital Group. Patricia specializes in providing objective financial planning and asset management to help clients build, manage, grow, and protect their assets through life's transitions.”
Firm:

Meyer Captial Group

Job Title:

Lead Financial Planner and Portfolio Manager

Biography:

Patricia is in the business of helping people and representing what’s in their best financial interest. She is an objective fee-only financial planner and asset manager that has spent over twenty-five years working in the finance, including twelve years as the President of her own financial services company.  Now working for an independent RIA (Registered Investment Advisor), she is an unbiased professional who takes on fiduciary responsibility with all of her client interactions.  She specializes with those in life changing situations who don’t have the time, interest or personal experience to manage their own circumstances. She guides clients’ through a holistic planning process that creates a personal net wealth statement and navigates major life events, such as the loss of a loved one through death or divorce, paying down debt, planning for college or planning for a wedding and retirement.

Since most financial advisors are just a deviation of a salesperson in a nice suit that has a process of selling you high priced insurance and investment products, it’s important to recognize that Patricia, nor Meyer Capital Group, sells any investment or insurance based products. She only get paid by you, not various outside third-parties. As a result, the guidance she provides is not compromised by conflicts of interest that ordinary plague most relationships.  

Patricia has been a NAPFA ( National Association of Personal Financial Advisors ) member for ten years. She holds a Masters of Business Administration from Drexel University, and a Bachelor of Business Administration from Temple University. She received her Certified Financial Planner™ certification in 1996 from the Certified Financial Planner Board of Standards, Inc. and she holds her FINRA Series 7 and 63 licenses. Patricia also earned the Accredited Investment Fiduciary® designation from Fiduciary360. Fi360 promotes a culture of fiduciary responsibility and improves the decision making processes of investment fiduciaries.

Visit www.MEYERCG.com to use our free retirement assessment planning tool or call us for a free portfolio review session.

Please also connect with us on your favorite social site for tons of helpful personal finance information.

Education:

MBA, Drexel University
BBA, Temple University

Assets Under Management:

$900 million

Fee Structure:

Fee-only
Fixed-rate

CRD Number:

2950192

Disclaimer:

Past performance may not be indicative of future results. Different types of investments involve varying degrees of risk. Therefore, it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended and/or undertaken by Meyer Capital Group) will be profitable. Please remember that it remains your responsibility to advise Meyer Capital Group, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services, if you would like to impose, add, or to modify any reasonable restrictions to our investment advisory services. A copy of our current written disclosure statement discussing our advisory services and fees continues to remain available for your review upon request. Please Note: Rankings and/or recognition by unaffiliated rating services and/or publications should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if Meyer Capital Group is engaged, or continues to be engaged, to provide investment advisory services, nor should it be construed as a current or past endorsement of Meyer Capital Group by any of its clients. Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser.

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Can my husband continue to make withdrawals from an inherited IRA if I pass away and he is not yet age 59 1/2?
100% of people found this answer helpful

Since you are 77 years old and already taking your required distributions, the IRS provides three options for a spouse after the passing of an account holder:

Option 1: Take the IRA into his own name (This option would NOT accomplish your goal of avoiding the 10% penalty).

Option 2: Take the IRA into an Inherited IRA and start distributions based on his life expectancy number.

Option 3: Take all of the money out of the IRA.

Option 2 and 3 would avoid the 10% penalty, but income tax of course would be due on any distribution.

So yes, your husband will be able to take distributions from the an IRA without penalty.

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