AMJ Financial Wealth Management

AMJ Financial Wealth Management

Category: Content
Type: Blog Article

Generated 6 days ago

New blog articles detected.

  • The Spousal IRA Beneficiary Decision Tree

    Deciding how to handle your inherited IRA once your spouse passes can be a daunting task, especially during an emotional time of loss. With three different options available, how do you know which one best fits you and your financial situation? Your age and that of your spouse typically plays the largest role in making... Read More

AMJ Financial Wealth Management

Category: Content
Type: Blog Article

Generated 6 days ago

New blog articles detected.

  • Market Commentary – May 15, 2017

    Does performance tell the whole story? American stock markets have delivered some exceptional performance in recent years. Just look at the Standard & Poor’s 500 (S&P 500) Index. Barron’s reported the S&P 500, including reinvested dividends, has returned 215 percent since April 30, 2009. The index is currently trading 50 percent above its 2007 high.... Read More

AMJ Financial Wealth Management

Category: Content
Type: Blog Article

Generated 1 week ago

New blog articles detected.

  • Exceptions to the 10% Early Distribution Penalty

    Do you need to withdraw funds from your IRA or company plan, but you’re not yet eligible to do so? Even though most investors are required to wait until they reach age 59½, there are some special circumstances that can allow you to access your funds while still avoiding the 10% early distribution penalty. While... Read More

AMJ Financial Wealth Management

Category: Content
Type: Blog Article

Generated 1 week ago

New blog articles detected.

  • Market Commentary – May 8, 2017

    Is it complacency? Exuberance? Uncertainty? Exhaustion? Insight? Intuition? Last week, all three major U.S. stock markets gained value and two reached new record highs. On the face of it, that’s great news for stock investors. However, if you look below the surface, the markets’ upward trend may have you scratching your head. Barron’s reported: “That... Read More

AMJ Financial Wealth Management

Category: Content
Type: Blog Article

Generated 2 weeks ago

New blog articles detected.

  • Using a Tax Refund to Fund an IRA in 5 Easy Steps

    If you’ve recently received a tax refund, you may be looking for the best way to invest your money. What if you could utilize an option that is both convenient and helps fund your future? April 18 is not just the tax-filing deadline, but it’s also the IRA-funding deadline, and if you haven’t yet maxed... Read More

AMJ Financial Wealth Management

Category: Content
Type: Blog Article

Generated 2 weeks ago

New blog articles detected.

  • Market Commentary – May 1, 2017

    It was a good week to own stocks. Not all financial news was good news last week, but that didn’t prevent U.S. stock markets from moving higher. Barron’s reported on the good news: “This past week, welcome political news from Europe, a batch of stellar corporate-earnings reports, and a concrete tax proposal to cut corporate... Read More

AMJ Financial Wealth Management

Category: Content
Type: Blog Article

Generated 3 weeks ago

New blog articles detected.

  • Estate Planning: How Inherited IRA Trusts Work

    Are you thinking of naming a trust as your IRA beneficiary? You might want to reconsider making this move, unless you’re doing it for the right reasons. While naming a trust as your IRA beneficiary can add protections and provisions for how your hard-earned money is used, it can also make things more complicated and... Read More

AMJ Financial Wealth Management

Category: Content
Type: Blog Article

Generated 3 weeks ago

New blog articles detected.

  • Market Commentary – April 24, 2017

    Last week, investors multi-tasked, pushing both U.S. bond and stock markets higher. In March, the Federal Reserve raised the Fed funds rates for the second time in three months. Typically, we would expect interest rates to rise and bond prices to fall, but interest rates have been falling and bond prices have been moving higher.... Read More

AMJ Financial Wealth Management

Category: Content
Type: Blog Article

Generated 1 month ago

New blog articles detected.

  • Adding Context to the Tax Reform Headlines

    I have become frustrated with the headlines from the Media, whether they be the news media or blog writers, because they are written more to illicit an emotional response than to educate the public on problems and possible solutions.  Tax reform is a means to drive more growth in the US Economy. And with 90%... Read More

AMJ Financial Wealth Management

Category: Content
Type: Blog Article

Generated 1 month ago

New blog articles detected.

  • Market Commentary – April 17, 2017

    And the survey said… In late 2016, Natixis Global surveyed 500 institutional decision makers representing corporate pension plans, public pension plans, sovereign wealth funds, insurance companies, foundations, and endowments. Survey participants said market volatility, geopolitics, and interest rates were their top risk concerns for 2017. So far, U.S. stock markets haven’t proven to be very... Re...

AMJ Financial Wealth Management

Category: Content
Type: Blog Article

Generated 1 month ago

New blog articles detected.

  • Market Commentary – April 10, 2017

    U.S. stock markets are sending mixed signals. If you look at the performance of the CBOE Volatility Index (a.k.a. the VIX or fear gauge), which is a measure of market expectations for volatility in the near future, it appears all is well and investors expect no unexpected events. Barron’s explained: “…which brings us back to... Read More

AMJ Financial Wealth Management

Category: Content
Type: Blog Article

Generated 1 month ago

New blog articles detected.

  • Top 10 IRA Rollover Mistakes

    Nearing retirement? Changing jobs? Recently inherited a retirement account? There are many reasons to consider an IRA rollover, and if you answered yes to any of these questions, there is a good chance you’re a great candidate for this financial move. There are many benefits that come with an IRA rollover, including more investment options,... Read More

AMJ Financial Wealth Management

Category: Content
Type: Blog Article

Generated 1 month ago

New blog articles detected.

  • Market Commentary – April 3, 2017

    Happy birthday! Toward the end of the first quarter, the bull market celebrated its eighth birthday. David Kelly, Chief Global Strategist at J.P. Morgan Asset Management wrote: “Eight years ago, on March 9, 2009, the S&P 500 closed at 677, down 57 percent from where it had been just 18 months earlier. 10-year Treasury yields... Read More

AMJ Financial Wealth Management

Category: Content
Type: Blog Article

Generated 1 month ago

New blog articles detected.

  • Beware of Schemes During Tax Season

    It’s tax season! Every year, around this time, the Internal Revenue Service (IRS) publishes its dirty dozen – a list of scams criminals use to try and ferret out personal information and/or steal money.1 For example, if you received an email from a top executive in your company or organization requesting data from IRS form... Read More

AMJ Financial Wealth Management

Category: Content
Type: Blog Article

Generated 1 month ago

New blog articles detected.

  • Market Commentary – March 27, 2017

    You’ve read it before – and it’s true. Markets hate uncertainty. Failure to pass the American Healthcare Act, which was supported by Republican leaders in Congress and President Trump, may have spooked U.S. stock markets last week. In an article titled, “How To Make Investing Decisions Based On Politics: Don’t,” Nasdaq.com reported controversy over the... Read More

AMJ Financial Wealth Management

Category: Content
Type: Blog Article

Generated 2 months ago

New blog articles detected.

  • 2017 Retirement Plan Contribution Limits

    You’ve probably been told that one of the smartest financial moves to make is investing in your future by maxing out your retirement plan contributions. Traditional IRA and Roth IRA investors have had the same $5,500 limit for years, with a $1,000 catch-up contribution option for those 50 years of age or older. However, there... Read More

AMJ Financial Wealth Management

Category: Content
Type: Blog Article

Generated 2 months ago

New blog articles detected.

  • Market Commentary – March 20, 2017

    Three steps and no stumble… Technical analyst Edson Gould developed a market rule of thumb known as ‘three steps and a stumble.’ It states stock prices may fall after the Federal Reserve (Fed) raises the Fed funds rate three times in a row without a decline, according to Market Technicians Association. [1] The idea is... Read More

AMJ Financial Wealth Management

Category: Content
Type: Blog Article

Generated 2 months ago

New blog articles detected.

  • Leaving a Legacy

    Leaving a Legacy: 3 Differences Between Life Insurance and Roth IRAs If you’re planning on leaving a legacy for your children, grandchildren, or loved ones, you may be wondering how to do so in the most tax-efficient way. Both life insurance and Roth IRAs allow you to transfer assets from one generation to the next,... Read More

AMJ Financial Wealth Management

Category: Content
Type: Blog Article

Generated 2 months ago

New blog articles detected.

  • Market Commentary – March 13, 2017

    Rate hike ahead…maybe. Last week’s U.S. employment report was better than expected. The United States added 235,000 jobs in February, which was a few more than economists had forecast. It may seem counterintuitive, but the positive economic data helped push U.S. stock markets lower. The jobs report was a sign the American economy continues to... Read More

AMJ Financial Wealth Management

Category: Content
Type: Blog Article

Generated 2 months ago

New blog articles detected.

  • Choosing the Right Financial Advisor in 5 Easy Steps

    With evolving legislation working towards establishing a uniform fiduciary standard in the financial industry, you may be wondering if your financial advisor is prioritizing your best interest. IRAs, Roth IRAs, and other retirement accounts are ruled by constantly changing, complex laws, but working with a qualified, educated financial advisor can help you successfully navigate retirement.... Read...

AMJ Financial Wealth Management

Category: Content
Type: Blog Article

Generated 2 months ago

New blog articles detected.

  • Market Commentary – March 6, 2017

    It was a grand slam. Major U.S. stock markets were positively euphoric following President Trump’s speech on February 28. Optimism about the new administration’s pro-growth policies propelled the four major U.S. stock indices to record highs, despite a dearth of policy details, reported Financial Times. It’s hard to pinpoint exactly why stocks have moved so... Read More

  • 2017 Tax Planning

    Taxes and retirement go hand in hand, and having a clear understanding of how your retirement assets will be taxed plays a crucial role in your overall financial plan. Proactive tax planning can help structure your retirement income and investments to take advantage of current tax laws, while avoiding costly pitfalls. Thanks to low inflation,... Read More

AMJ Financial Wealth Management

Category: Content
Type: Blog Article

Generated 2 months ago

New blog articles detected.

  • Market Commentary – February 27, 2017

    Once upon a time, five blind men discovered an elephant. Each man examined a different part of the elephant and formed a unique impression about the animal. One believed an elephant was like a pillar, while another decided an elephant was like a snake. In recent weeks, stock and bond markets have been telling different... Read More

  • Calculating Non-Spouse Beneficiary Distributions

    Have you recently inherited an IRA as a non-spouse beneficiary? If so, then you will soon be required to determine exactly how much will need to be taken as your first required minimum distribution. There are ways to “stretch” the tax benefits of these accounts by leaving them in an IRA as long as possible;... Read More

AMJ Financial Wealth Management

Category: Content
Type: Blog Article

Generated 3 months ago

New blog articles detected.

  • Market Commentary – February 21, 2017

    Up! Four major U.S. benchmark stock indices closed at record highs for four consecutive days during Valentine’s Day week, reported Financial Times (FT). To date, positive corporate earnings and robust investor confidence have offset fiscal and political uncertainty and helped push U.S. stock markets higher, said sources cited by FT. With 82 percent of companies... Read More

  • Late Rollover Contributions

    Have you missed the 60-day deadline for your IRA rollover? Fortunately for you, the process to fix your error is now much easier (and cheaper) thanks to a new option that the IRS made available in 2016. The new self-certification process is available to all qualifying IRA or employer plan owners and provides a cost-effective... Read More

AMJ Financial Wealth Management

Category: Content
Type: Blog Article

Generated 3 months ago

New blog articles detected.

  • Market Commentary – February 13, 2017

    What’s the word ‘phenomenal’ worth? It all depends on who says it. Barron’s shared Wilshire Associates’ calculations which indicated the word was worth about $175 billion – the amount markets gained last Thursday – when President Trump used it to describe the tax plan his administration will deliver “ahead of schedule.” Markets gained another $100... Read More

  • Choosing the Right Tax Professional – 5 Easy Steps

    Choosing the Right Tax Professional in 5 Easy Steps Managing taxes during retirement might be the single most important factor influencing your retirement lifestyle. As you transition from working for an income to withdrawing income from your savings and investments, you might have questions: How can I maximize my income while minimizing income taxes in... Read More

AMJ Financial Wealth Management

Category: Content
Type: Blog Article

Generated 3 months ago

New blog articles detected.

  • Market Commentary – February 6, 2017

    U.S. stock markets were unsettled last week. President Trump’s executive order banning travel from seven predominantly Muslim countries to the United States for 90 days, in tandem with some disappointing earnings reports, inspired turmoil and uncertainty that helped push U.S. stock markets lower early in the week. The Dow Jones Industrial Average dropped below 20,000.... Read More

  • Guide to IRS Form 1099-R

    Guide to IRS Form 1099-R Have you started taking income from your retirement savings? Whether for planned income, an early distribution, or the required minimum distribution, you will receive a 1099-R to report this income on your 2016 tax return before long. A copy of this form is also provided to the IRS, so it... Read More

AMJ Financial Wealth Management

Category: Content
Type: Blog Article

Generated 3 months ago

New blog articles detected.

  • Market Commentary – January 30, 2017

    An historic moment for U.S. stock markets… The Dow Jones Industrial Average surpassed 20,000 last week. Barron’s cautioned investors not to make too much of the milestone since, “There are only 30 stocks in the index so each one carries a lot of weight.” Regardless of the significance of the Dow’s move, U.S. stock markets... Read More

  • Planning for a Disclaimer in 5 Easy Steps

    Planning for a Disclaimer in 5 Easy Steps Saying “no thanks” to an inheritance might seem like a crazy idea to most, but don’t count it out until you know all the benefits. A disclaimer allows a beneficiary to refuse an inheritance, and as long as the rules are followed properly, it also lets the... Read More

  • Market Commentary – January 23, 2017

    Markets weren’t quite sure which direction to move last week. The Trump rally, which lost some steam, gained momentum early in the week. The Standard & Poor’s 500 Index finished January 19, the day before the inauguration, with its biggest election-to-inauguration gain since Bill Clinton won a second term in 1996, according to MarketWatch, and... Read More

  • Retirement Income

    Here’s a million dollar question: How will you transform your savings into income that will last throughout your retirement? There are probably as many answers to that question as there are retirees. However, all retirees may rely on some of the same income sources and strategies. For instance, we all hope Social Security benefits will... Read More

  • Market Commentary – January 17, 2017

    Around the world in a few paragraphs… The post-election adrenaline rush may be over in the United States. Barron’s reported: “The new year began with high hopes, with the bulls expecting the rally that began with Donald J. Trump’s election victory to continue into 2017, while the bears salivated at the opportunity presented by a... Read More

  • Industry Insights: Retirement is Not as Easy as it May Seem

    Retirement Can Be a Bed of Roses… …And, it may have some thorns. There’s something you should know about retirement. It’s not as easy as everyone makes it seem. Remember what life was like when you tied the knot? How about once you had children? Or, when you accepted a new job? Did things change... Read More

  • Market Commentary – January 9, 2017

    …And, they’re off! Bullish sentiment helped world equity markets get off to a fast start last week. Just name a country or region – developed markets, emerging markets, the United States, Latin America, Asia, Europe, the United Kingdom – and it’s likely the area’s benchmark index may have been up for the week. Not everyone... Read More

  • Market Commentary – January 3, 2017

    What a difference a year makes! At the start of 2016, investors were rather pessimistic and risk averse, preferring bonds to stocks. By the end of the year, they were quite optimistic and preferred stocks to bonds. In between, markets traveled a bumpy road. During January of last year, few investors imagined we would be... Read More

  • Market Commentary – December 27, 2016

    Missed it by that much… The Dow Jones Industrial Average (DJIA) got within 13 points of 20,000 last Tuesday. It finished the week about 90 points below the vaunted milestone. “The Dow has gained nearly 10 percent since the end of October, more than double its 4.1 percent rise during the first nine months of... Read More

  • Market Commentary – December 19, 2016

    The Federal Reserve put a hitch in the markets’ giddy-up last week. It wasn’t the Fed’s second interest rate hike in a decade that caused markets to stumble. December’s rate hike was old news before it happened. In mid-December, Reuters reported Fed funds futures indicated there was a 97 percent probability the Fed would raise... Read More

AMJ Financial Wealth Management

Category: Content
Type: Blog Article

Generated 7 months ago

New blog articles detected.

  • Market Commentary – September 26, 2016

    As expected… The U.S. Federal Reserve left rates unchanged last week and markets celebrated. Across the globe, national stock market indices finished the week higher. In the United States, the Standard & Poor’s 500 Index and NASDAQ gained more than 1 percent. Not everyone was thrilled with the decision, however. Three Federal Reserve presidents cast... Read More

AMJ Financial Wealth Management

Category: Content
Type: Blog Article

Generated 8 months ago

New blog articles detected.

  • Market Commentary – September 19, 2016

    If it’s not one thing, it may be another. Economic data released last week will factor into this week’s Federal Open Market Committee (FOMC) decision on whether to push interest rates higher in the United States. Some of the August data supports the idea economic growth was soft. For example, August retail sales fell more... Read More

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