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Comment on Are Safe Withdrawal Rates Really Safe? by Financialmentor

Financialmentor — Tue, 21 Feb 2012 19:30:00 +0000

@Garry Davis Thanks Garry. I appreciate your support!

Comment on Are Safe Withdrawal Rates Really Safe? by Garry Davis

Garry Davis — Tue, 21 Feb 2012 15:51:10 +0000

Todd,

Great information, as usual. As you are always saying, there is no short cut in this game. Success only comes with hard work. Thanks for sharing your knowledge and perspective.

Comment on Need You Supportive Vote… by Financialmentor

Financialmentor — Tue, 21 Feb 2012 15:20:29 +0000

Thanks Jeff!

I appreciate your support.

Comment on Need You Supportive Vote… by Jeffrey Trull

Jeffrey Trull — Tue, 21 Feb 2012 14:57:44 +0000

Just voted. Good luck, Todd!

Comment on Ask Todd by Financialmentor

Financialmentor — Wed, 08 Feb 2012 22:48:48 +0000

@alexanderthegreat When younger I tend to favor tax deferred and tax free for two reasons – the first is exactly as you cited (tax deferred compounding), and the second is because it puts a legal fence around your fortune both in terms of asset/lawsuit protection and difficultly/high cost in accessing the cash during the inevitable setbacks you will encounter during life. In short, it gives you three important advantages and minimal disadvantages in comparison. Hope that helps you sort through your personal situation.

Comment on Ask Todd by Financialmentor

Financialmentor — Wed, 08 Feb 2012 22:45:05 +0000

@grease It is net of taxes and adjusted upward by the tax rate within the calculator to determine total cost burden that your assets must overcome.

Comment on Ask Todd by alexanderthegreat

alexanderthegreat — Wed, 08 Feb 2012 21:50:40 +0000

Need advice on whether to go ROTH or NOT. My wife and I are in our late 20s/early 30s and we’ve got investments in ROTH 401ks and Traditional 401Ks and we both have ROTH IRAs. We both max out our 401ks and IRAs. I like to go all out ROTH in 401ks AND IRAs because I like the tax free earnings that I would earn in retirement. We are currently in the upper end of the 25% tax bracket. Along with the tax free earnings, I’m not sure if we’ll be in a higher tax bracket in retirement so we prefer paying taxes today as everything suggests taxes will be higher 30 years from now. Are we doing the right thing by putting all our retirement savings in after tax accounts. Should we diversify our tax situation and put some in tax deferred accounts?

Comment on Are Safe Withdrawal Rates Really Safe? by Canadian Finance Carnival #74 | My Blog

Canadian Finance Carnival #74 | My Blog — Tue, 07 Feb 2012 01:24:45 +0000

[...] R. Tresidder during Financial Mentor presents Are Safe Withdrawal Rates Really Safe?, observant “An downright research that finally puts to rest a protected withdrawal rate debate. [...]

Comment on Debt and Credit: The Only Guide You Need by Totally Money Carnival – Super Bowl Edition - 20's Finances | 20's Finances

Mon, 06 Feb 2012 10:03:41 +0000

[...] R. Tresidder presents Debt & Credit – The Only Guide You Need posted at Financial Mentor. Debt is a personal problem masquerading as a financial problem. [...]

Comment on Retirement Planning Myths Revealed – 2 “Must Know” Formulas by Financialmentor

Financialmentor — Mon, 06 Feb 2012 00:36:23 +0000

@veeegun Yes, you can only see what you are ready to see, or what you already know. Part of what I do here is try and break through those barriers for those who are ready…