Retirement Planning

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  1. Lemming

    A lemming refers to the act of an investor following the crowd into an investment, without doing research themselves; this ...
  2. Discounting Mechanism

    Discounting mechanism is the premise that the stock market takes into account all available information and present and potential ...
  3. Chartered Advisor for Senior Living (CASL)

    Chartered Advisor for Senior Living (CASL) is a professional designation for individuals whose advice helps older clients ...
  4. Will Variation

    Will Variation permits surviving family members a pathway to contest a will which does not provide them reasonable support. ...
  5. Decamillionaire

    Decamillionaire is a term used for someone with a net worth of over 10 million of a given currency, most often U.S. dollars, ...
  6. Your Legacy: Tangible and Intangible Wealth

    Passing on your legacy is just as important as transferring wealth to heirs. Consider engaging in these activities to successfully ...
  7. Indirect Rollover

    An indirect rollover is a method of transferring assets from a tax-deferred 401(k) plan to a traditional individual retirement ...
  8. Found Money

    Found money is a sum of cash or financial account that the holder controls but has forgotten about, then rediscovered.
  9. Total Annual Loan Cost (TALC)

    Total annual loan cost is the expected total cost of a reverse mortgage over the life of the loan.
  10. Add To Cash Value Option

    An add to cash value option is a life insurance policyholder's choice to add accumulated cash value to the policy's death ...
  11. How does an IRA grow over time?

    Learn how the magic of compounding helps grow an individual retirement account (IRA). IRAs are one of the most proven ways ...
  12. Term Certain Method

    The term certain method refers to a way to calculate minimum distributions from a retirement account based on the account ...
  13. Final Return For Decedent

    A final return for decedent is a tax return filed for an individual in the year of that person's death.
  14. GUST Restatement

    GUST restatement is an IRS requirement that companies offering retirement plans adjust how the plans are administered, to ...
  15. What to do when your doctor doesn't take medicare

    Here are 5 options to consider when your doctor does not accept Medicare.
  16. Active Trust

    An active trust is a trust in which the trustee is required to perform extra duties other than simply caring for a distributing ...
  17. Inflation-Protected Security - IPS

    An inflation-protected fixed income security, typically issued by the U.S. government, guarantees a real rate of return adjusted ...
  18. Elderly and Disabled Credit

    The Elderly and Disabled Credit is a non-refundable tax credit for taxpayers aged 65 and over, or those who are permanently ...
  19. Premature Distribution

    A premature distribution is one taken from an IRA, qualified plan or tax-deferred annuity that is paid to a beneficiary that ...
  20. Drip Feed

    A drip feed is the process of slowly advancing funds or capital in stages rather than injecting a large lump sum right off ...
  21. Breeder's Insurance Policy

    A breeder's insurance policy provides protection against damage, theft or loss of bred animals.
  22. Using QDRO money from a divorce to pay for a new home

    There are several issues to consider, including the lack of an early distribution penalty and federal tax withholding.
  23. Don't Forget to Create a Life Plan for Retirement

    Preparing for what you want to do with your time in retirement is as important as having a financial plan.
  24. Lifelong Learning Plan

    Lifelong Learning Plan is a provision of the Canadian Registered Retirement Savings Plan that allows a non-taxable withdrawal ...
  25. Auto Enrollment Plan

    An auto enrollment plan is a retirement plan in which worker's are automatically enrolled.
  26. Estate Freeze

    An estate freeze is an asset management strategy whereby an estate owner aims to transfer assets to his or her beneficiaries ...
  27. Automatic Savings Plan

    An automatic savings plan is a type of personal savings system in which the plan contributor automatically deposits a fixed ...
  28. Non-Qualified Deferred Compensation - NQDC

    Non-Qualified Deferred Compensation is compensation an employee has earned but not received. It's often used a as a tax-saving ...
  29. United States Government Life Insurance (USGLI)

    United States Government Life Insurance was established in 1919 to provide term, permanent and endowment insurance up to ...
  30. No-Load Life Insurance

    No-load life insurance is a type of life insurance that charges much lower fees and expenses than conventionl life policies.
  31. Early Withdrawal

    Early withdrawal is either removal of funds from a fixed-term investment before the maturity date, or the removal of funds ...
  32. Lump-Sum Distribution

    A lump sum distribution is a one-time payment for an entire amount due, rather than payments broken into smaller installments.
  33. Joint-Life Payout

    A joint-life payout is one of two options normally available for retirees to choose as the method of payout for their employee ...
  34. Portable Benefits

    Portable benefits can transfer to a new employer's plan or to an individual who is leaving the workforce.
  35. Trust-Owned Life Insurance (TOLI)

    Trust-owned life insurance is insurance that resides inside a trust. It is used by many high net worth individuals as the ...
  36. Taxable Estate

    Taxable estate is the portion of a deceased person's net assets subject to taxation after deductions.
  37. Eligible Transfer

    An Eligible Transfer is a movement of assets between a retirement plan and another account without incurring income tax liability.
  38. Legacy Costs

    Legacy costs are ongoing costs arising from spending that does not increase revenue. Pension plans are a prime example of ...
  39. Guaranteed Earning Increase Death Benefit

    A guaranteed earning increase death benefit is a type of option that annuitants can purchase for their retirement annuities. ...
  40. Joint

    Joint is a legal term describing a transaction or agreement where two or more parties act in unison.
  41. Payout Phase

    The payout phase is the phase in an annuity during which payments are made to the annuitant, usually in monthly payments.
  42. Life Expectancy Method

    A life expectancy method calculates IRA payments by dividing the balance of a retirement account by the policyholder's anticipated ...
  43. Systematic Withdrawal Schedule

    Systematic Withdrawal Schedule is a method of withdrawing funds from an annuity account in specified amounts for a specified ...
  44. Qualified Trust

    A qualified trust is a tax-advantaged fiduciary relationship between an employer and an employee in the form of a stock bonus, ...
  45. Will Your Retirement Income Be Enough?

    How to figure if you'll have enough for those golden years – and what factors to consider in crunching the numbers.
  46. Income Splitting

    Income splitting is a tax reduction strategy employed by families living in areas that are subject to bracketed tax regulations.
  47. Bank Trust Custodial Account

    A bank trust custodial account is a type of retirement account in which contributions go into an interest-bearing bank account ...
  48. Leveraged Benefits

    Leveraged benefit programs allow small business owners to use their company’s assets to secure a loan that indirectly funds ...
  49. Adjustable Premium

    An adjustable premium is an insurance premium that can change over time based on a policy that is agreed to at the outset ...
  50. Qualified Disclaimer

    A qualified disclaimer is a refusal to accept property that meets the provisions set forth in IRC Tax Reform Act of 1976 ...
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Hot Definitions
  1. Inflation

    Inflation is the rate at which prices for goods and services is rising and the worth of currency is dropping.
  2. Discount Rate

    Discount rate is the interest rate charged to commercial banks and other depository institutions for loans received from ...
  3. Economies of Scale

    Economies of scale refer to reduced costs per unit that arise from increased total output of a product. For example, a larger ...
  4. Quick Ratio

    The quick ratio measures a company’s ability to meet its short-term obligations with its most liquid assets.
  5. Leverage

    Leverage results from using borrowed capital as a source of funding when investing to expand the firm's asset base and generate ...
  6. Financial Risk

    Financial risk is the possibility that shareholders will lose money when investing in a company if its cash flow fails to ...
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