Atherean Wealth Management, LLC
Christopher Gething has been working in the wealth management industry since 2006. Prior to founding Atherean Wealth Management, LLC, he was a registered representative at Dinosaur Securities, LLC, a boutique investment bank based in New York City and London, and a financial advisor at RMR Wealth Management, LLC, an independent investment advisory firm based in New York City. Prior to this he was a financial advisor at MetLife Securities, Inc. He obtained the FINRA Series 7 and 63 licenses in 2006 and the certified financial planner certification in 2010.
Before he began his career in financial services, Mr. Gething worked as a mechanical engineer and materials scientist in industry and in academia. He obtained his Bachelor of Science degree in engineering from Brown University in 1999. From May 1999 until August of 2001 Christopher was a software engineer at HKS, Inc, a computer aided engineering software company based in Providence, RI. From September of 2001 until May of 2002 he was a research assistant at the Materials Research Science and Engineering Center at Brown University, and a teaching assistant in the Division of Engineering at Brown University. He obtained his Master of Science Degree in engineering from Brown University in 2002. From August of 2002 until January of 2005 he was a research assistant in the Department of Mechanical Engineering at the Massachusetts Institute of Technology in Cambridge, MA. During this time, Christopher developed and implemented mathematical theories and computational systems for analyzing the mechanical behavior of crystalline metals.
Sc.B., Sc.M., Engineering, Brown University
Atherean Wealth Management, LLC ("AWM") is based in Jersey City, NJ and is registered as an investment adviser pursuant to New Jersey (NJ) law. AWM and its investment advisory representatives are in compliance with registration requirements in the states in which AWM and its representatives conduct business. More information about AWM and its representatives can be found at adviserinfo.sec.gov. Nothing on this website should be construed to constitute investment or financial advice or be used to make investment decisions. Investment in securities involves numerous risks, including, but not limited to, interest rate risk, market risk, inflation risk, currency risk, reinvestment risk, business risk, liquidity risk, and financial risk, among other risks. The asset allocation and portfolio diversification process does not eliminate the risk of investment losses. The publication of this website should not be construed as a solicitation or attempt to effect transactions in securities, or be construed as the rendering of investment advice.
As long as the distribution from the ROTH 401(k) plan is a qualified distribution, it will not be subjected to taxes. In order to be a qualified distribution, it must satisfy two requirements. First, it must be taken after age 59 1/2. Second, it must be taken after a five year period from when you made your first ROTH 401(k) contribution. Keep in mind that the distribution will still be reported to the IRS via form 1099-R even if it is not taxable.
Remember that employer matches are not considered ROTH 401(k) assets and will be subjected to taxes on their withdrawals.
This depends on a number of factors. Typically, if you meet certain ownership and use tests, you can claim an exclusion. If the home has served as your primary residence for at least two of the previous five years, you can claim an exclusion up to a certain limit ($250K for single, head of household, or married filing separately, $500K for married filing jointly). The rules are complex and you should consult a tax, legal or financial advisor for a more detailed analysis of your particular situation. Should you fail to meet the ownership or use tests, you may be able to defer capital gains taxes by purchasing another property. You should consult a tax, legal or financial advisor for more information about this.
An IRA (ROTH or Traditional depending on your income) is an option. As a self employed individual, you have many other options including a SEP IRA, a 401K, and a defined benefit pension plan. Which of these is the most advantageous for your situation depends on a number of factors, and you should consult a financial advisor for a more detailed and thorough analysis.
Large cap stocks are stocks of companies which have large market capitalizations, typically over $10 Billion. They tend to be very established in their line(s) of business and highly diversified in their operations. The advantage which such companies have is that they tend to be less risky and more stable than smaller companies due to their breadth, size, and access to capital. The main disadvantage which these companies have is that they are unable to grow their revenues and earnings as rapidly as small companies. As an investor, having a portfolio which is diversified across many different asset classes is a good strategy to manage the risk of your portfolio. You should consult a financial advisor for assistance in designing and managing a portfolio which is in line with your investment objectives and financial goals.
You can find a list of CFP certificants at www.cfp.net. Other trusted advisors, such as an attorneys and accountants, can be good sources of referrals. Interview several advisors, if you can, to get different perspectives.