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February 29, 2012 |
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,
 Is it time for a little spring cleaning where your financial interests are concerned? For your current investments, as well as those earmarked for retirement or in need of protection for longer-term legacy-building, here’s a spring bouquet of ideas to consider. Or better yet, to act on. I hope you will give us a call today if we can help you apply any of the information offered here.
Best,
John A. Frisch, CPA/PFS, CFP
President & Founder
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New 401(k) Plan Disclosure Rules
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As 401(k) plans have become more popular, plan participants have become increasingly responsible for making their own retirement savings decisions. The Department of Labor (DOL) has become concerned that participants in self-directed 401(k) plans (those that allow participants to direct the investment of their own accounts) might not have access to, or might not be considering, information critical to making informed decisions about the management of their accounts--particularly information on investment choices, fees, and expenses.
As a result, in October 2010, the DOL issued new regulations that require self-directed 401(k) plans to provide detailed information to participants about the plan and its investments, on a regular and periodic basis, so that participants can make informed investment decisions. Some information must be provided on an annual basis, and some information must be provided quarterly. For most plans, the initial annual disclosure must be furnished no later than August 30, 2012. The first quarterly statement must be furnished no later than November 14, 2012 (for July through September).
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Looking to Diversify?
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Mix Growth and Value.
If you're unsure about the best way to balance risk and return within your stock portfolio, you may want to consider the strategy of combining growth and value funds. Because these funds often do not move in tandem in response to market or economic conditions, you may minimize risk without sacrificing return by owning some of each.
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Buying Life Insurance
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What Kind and How Much?
Death is one of things that no one likes to talk about. Yet, protecting loved ones from the financial consequences of death is one step you can take to gain peace of mind for you and your loved ones. And this is where life insurance enters the picture.
If you have a family or spouse who depend on you for financial support, or if you work at home providing your family with such services as child care, cooking, and cleaning, then you need life insurance.
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About Us:
Located in Prince William, VA, Alliant Wealth Advisors was founded to help a select group of families
achieve all that is important to them financially. To achieve our mission
we use a consultative wealth management process, which includes both
investment consulting and advanced planning. Our approach assumes that
every client is unique; every client has varying needs and objectives;
and no two clients share the same risk tolerances, time horizons and
dreams. In addition to providing our expertise we work with clients'
existing advisors and, where there is a gap to fill, we use our own
outside experts in the fields of tax, legal and high-end Insurance.
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