Therese Nicklas

CFP, CMC
Personal Finance, Small Business, Lifestage Based Planning
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“Therese Nicklas, a Wealth Coach for Women, is passionate about helping women in transition go from feeling overwhelmed to optimistic about their future. She does this by empowering them with smart money strategies that inspire confidence.”
Firm:

The Wealth Coach for Women, Inc.

Job Title:

Certified Money Coach

Biography:

Therese Nicklas is a Certified Money Coach(TM) at The Wealth Coach for Women, Inc, a fee-only Registered Investment Advisory firm.  She is committed to helping smart, successful women learn how to make wise financial decisions. She knows coping with money issues is a struggle for many, even when they are successful in other areas of their life. The financial impact for women in transition from divorce, death of a spouse, caring for a family member or changing careers is profound. Often they were not the person handling the household finances and do not know where to begin. Given this, Therese's mission is to provide tools and resources to help them gain clarity and confidence so they can move forward with their lives.

Therese's Wealth Coaching process helps her clients identify what holds them back and move beyond these limitations. Her clients are bright, successful women. Many are entrepreneurs. They are brilliant at helping others but often lack confidence when it comes to money management and business expansion. Therese's distinct coaching program helps women solve common problems associated with choices from their past caused by unconscious money patterns. Money Coaching bridges the gap between behavioral finance and traditional Financial Planning.  By identifying the bad habits that hold a person back and replacing them with positive behaviors, the client is empowered with smart money strategies that help them attain their goals.

Therese's Passion Inspired, Purpose Driven(TM) approach helps clients take some of the uncertainty out of tomorrow so they can live their life by design, not default. Together they utilize a holistic financial life planning process that consolidates the fractured advice they may receive from multiple sources. By coordinating the services of her client's financial team, the possibility of something significant falling through the cracks is minimized. Throughout the process, Therese holds their hand while holding them accountable.

Therese has been featured in the Wall Street Journal, Forbes Magazine, and more. She is a sought out speaker, serving as a subject matter expert for many healing arts, divorce mediators and grief counseling centers.

Education:

BS, Business Administration, Eastern Nazarene College
Certificate in Financial Planning, Boston University Center for Professional Education

Assets Under Management:

$10 million

Fee Structure:

Fee Only

CRD Number:

4410823

Disclaimer:

Investment advice offered through The Wealth Coach for Women, Inc.® a Registered Investment Advisory firm offering fee only advisory services in the State of Massachusetts and in other jurisdictions where exempted.  Custodial services offered through TD Ameritrade Institutional, Member FINRA and SIPC The Wealth Coach for Women, Inc. is a separate entity from TD Ameritrade Institutional. For a list of states where I am registered to do business, please visit www.wealthcoachforwomen.net.  Third party posts found on this website do not reflect the view of TD Ameritrade Institutional and have not been reviewed by TD Ameritrade as to accuracy or completeness.

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Can I withdraw all of my Solo 401(k) savings as a lump sum?
60% of people found this answer helpful

A Solo 401(k) account is available to business owners that do not have employees, or the only employee is an immediate family member (parent, spouse, child).  Do you own a business?  If you do not, a Solo 401(k) account is not available to you.  However, depending on your income, you might be eligible to start a Roth IRA.  Depending on your age, you can maximize the contribution at either $5,500 or $6,500 if you are 50 or over.

A Roth IRA is funded with after tax money, but tax free when you withdraw it.  The rules to get the tax free withdrawal status are the withdrawals happen after age 59 1/2 and you've had the Roth account for a minimum of 5 years.  Provided you meet the tax free criteria, you can withdraw as a lump sum (or periodic distributions) tax free.

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