September 9, 2023
Roth 401K
Published by Brad Horn on September 9, 2023
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The Roth 401K versus The Traditional 401K

Roth 401K vs. Traditional 401K The Roth 401K was built on a simple idea: Save today and get a tax break tomorrow.  This is the inverse of the traditional 401K, where workers set aside money to save for tomorrow and they get a tax break today. The Roth 401K is […]
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August 28, 2023
Published by Brad Horn on August 28, 2023
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New Law Impacts the 401k Catch-Up Rule

Last week, the IRS announced new changes to the 401k catch-up rule.  Previously, the IRS required  high-earners to place their catch-up savings in Roth  accounts with no immediate tax benefit.  The new rule allows savers age 50 and older to make catch-up contributions to pre-tax accounts for two more years.  […]
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August 14, 2023
charity
Published by Brad Horn on August 14, 2023
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How to Make a Qualified Charitable Distribution (QDC) from an IRA

How to Make a Qualified Charitable Distribution from an IRA Introduction to QCDs A qualified charitable distribution (QCD) is an allocation from an individual retirement account (IRA) to a qualifying charity.  Internal Revenue Code Section 408(d)(8) contains the guidelines for doing a QCD. This article summarizes the rules in simple […]
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May 19, 2022
US Equity Average Returns | Saffron Capital
Published by Brad Horn on May 19, 2022
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The Bumpy Road to Average Returns

The Bumpy Road to Average Returns Since 1926, the US stock market has rewarded investors with an average annual return of about 10%. But it’s important to remember that performance in any given year may be sky-high, extremely poor, or somewhere in between.  For example: Annual returns came within two […]
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March 15, 2022
Retirement Planning MasterClass Minneapolis
Published by Brad Horn on March 15, 2022
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Retirement Planning MasterClass

Retirement Planing MasterClass The Retirement Planning Masterclass was created to help you to better structure your retirement and investment plans, to better manage risk, and to preserve a comfortable lifestyle. Live Online Tuesdays, April 19 & 26 Time: 10:00am-11:30am Concordia University Saturdays, April 23 & 30 Time: 10:00am-11:30am 282 Concordia […]
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November 19, 2021
Financial Planning Minneapolis
Published by Brad Horn on November 19, 2021
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Important Planning Numbers 2022

2022 Important Planning Numbers Download There are lots of important planning numbers that we work with.  At the same time, there are many core numbers our clients ask us about and need to keep in mind. In some cases, those numbers change each year. Other times, the figures do not […]
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September 17, 2021
New Tax law
Published by Brad Horn on September 17, 2021
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New Tax Law Proposed Will Kill IRA Conversions and Investments in Private Placements

New Tax Law Proposed Will Kill IRA Conversions and Investments in Private Placements Introduction The new tax law presented by Democrats seeks to reform retirement plan rules.  It also seeks close “loopholes” commonly used by wealthy individuals. Finally, it limits private equity investments by IRAs, including business start-up funding.  The […]
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September 14, 2021
Biden Tax Law
Published by Brad Horn on September 14, 2021
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Biden Tax Law Proposal Targets High Income Individuals, S-Corps and Trusts

Biden Tax law proposal Targets High Income Individuals, S-Corps and Trusts Introduction The new Biden tax law is on deck and in the books. Democrats released the tax proposal on September 13. After months of anticipation, the final product does not match expectations. The proposed measures may impact you in […]
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September 2, 2021
Social Security Safety Net
Published by Brad Horn on September 2, 2021
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The Sustainability of Social Security

The Sustainability of Social Security The Social Security Administration (SSA) just issued its annual report and projects a fiscal cliff in 2034. Let’s discuss what’s happening, what’s being done about it and how you might be affected. Social Security Trust Funds The SSA administers two large trust funds.  The first […]
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August 14, 2021
Benchmark selection
Published by Brad Horn on August 14, 2021
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Benchmark Selection for Investment Portfolios

Benchmark Selection for Investment Portfolios Introduction Benchmarking is the process of comparing your investment portfolio to a market index.  Investors should carefully assess benchmark selection.  This is especially important for multi-asset portfolios subject to periodic rebalancing and cash distributions.  A well-chosen benchmark is like a compass that can quickly tell […]
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