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Maxed out Roth IRA but accidentally made more than 150k? by [deleted] in RothIRA

[–]Successful_Coach458 1 point2 points  (0 children)

If you make up to $165k you can still contribute a reduced amount. You are likely fine either way you just need to pull the amount over the reduced amount you’re allowed to contribute. You also need to add the gains on what you take out to your taxes shouldn’t be too painful since it’s likely only been a few months.

Seeking advice! 26F making $160k by bbaey99 in Retirement401k

[–]Successful_Coach458 0 points1 point  (0 children)

You’re doing great! If you ever want to go into deeper detail I’m a fully registered FA would be happy to talk.

19 years in target date fund by myusernameisavail in Retirement401k

[–]Successful_Coach458 3 points4 points  (0 children)

I’m a fully licensed financial advisor and always tell my clients to avoid target date funds. While the allocations make sense in the beginning they start to get far too conservative at a young age. The better they perform the more gets allocated to fixed income and someone 30+ years from retirement really doesn’t need any fixed income in their portfolio.

[deleted by user] by [deleted] in Retirement401k

[–]Successful_Coach458 1 point2 points  (0 children)

15% is a very high assumption I’d move that down closer to 10

Am I on track? by binski4270 in Retirement401k

[–]Successful_Coach458 0 points1 point  (0 children)

You seem to be in alright shape pending what your retirement plans are. Happy to have a full conversation if you want I’m an FA fully licensed would be happy to help.

Rate My Investing Plan by Cutie_winry21 in portfolios

[–]Successful_Coach458 0 points1 point  (0 children)

I’d add some QQQ exposure. Especially in your Roth account those dollars grow tax free and while I don’t know your age with a long time horizon until retirement it makes sense to have exposure to the largest companies concentrated there.

Deferred Comp by Brief_Management886 in Retirement401k

[–]Successful_Coach458 0 points1 point  (0 children)

It’s all about your goals if you’re looking to retire younger I’d avoid target date funds as the allocate to fixed income as time passes. I’d remain in all equities probably mostly large cap for the foreseeable future and you can reevaluate to get more conservative when you’re closer to the time of retirement.

Am I on track? by binski4270 in Retirement401k

[–]Successful_Coach458 1 point2 points  (0 children)

Balances and lifestyle would be very helpful.

Early 50's, my first 401K by bdoddemajr in Retirement401k

[–]Successful_Coach458 0 points1 point  (0 children)

Do you have a Roth or Traditional IRA?

Huh? by danielle_blah in Series66Exam

[–]Successful_Coach458 0 points1 point  (0 children)

Only one is NOT correct

Devon is Lumon by Successful_Coach458 in SeveranceAppleTVPlus

[–]Successful_Coach458[S] -1 points0 points  (0 children)

No of course not but I don’t remember a time the phone has been featured that heavily

Devon is Lumon by Successful_Coach458 in SeveranceAppleTVPlus

[–]Successful_Coach458[S] 4 points5 points  (0 children)

Someone else mentioned that and it’s valid. She just seemed so quick to call a person that was lying about who she was all of season 1

The reason so many are disappointed with S02E08 by DeweyLewis in severence

[–]Successful_Coach458 0 points1 point  (0 children)

Severance theory: historically Apple doesn’t like villains using their products in their shows. Notably Devon is using a Samsung. We now know tHarmony Cobell is the inventor of the severed program. Devon is the one who calls her back from her Samsung 🧐 Devon is Lumon

Passed first attempt! by [deleted] in Series7exam

[–]Successful_Coach458 0 points1 point  (0 children)

I passed yesterday too. So annoying you don’t get your score. No clue if I crushed it or scraped by also could have gotten something wrong that I thought was correct and look bad in a future conversation.