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HensslerFinancial
США
Добавлен 18 янв 2011
Since 1987, Henssler Financial has offered sound financial advice to help our clients achieve their goals for financial security. Whether you need help with personal or business finances, we offer decades of experience in all facets of wealth management: asset allocation, financial planning, investment management, tax consulting and preparation, and estate planning and wealth transfer. Our integrated service team will explore your financial situation, help you clarify goals, and create a customized plan for your unique situation. Providing you peace of mind, we'll monitor your plan, making adjustments when necessary to help you stay on track with your financial goals.
For More Information:
🌍 Check our website: www.henssler.com/
❓ Ask our Experts a question: www.henssler.com/contact-us/
📻 Subscribe to the "Henssler Money Talks" podcast: www.hensslermoneytalks.com/
▶️ Subscribe to our channel: www.youtube.com/@HensslerFinancial/?sub_confirmation=1:
For More Information:
🌍 Check our website: www.henssler.com/
❓ Ask our Experts a question: www.henssler.com/contact-us/
📻 Subscribe to the "Henssler Money Talks" podcast: www.hensslermoneytalks.com/
▶️ Subscribe to our channel: www.youtube.com/@HensslerFinancial/?sub_confirmation=1:
August 2024 Market Minute: Small- and Mid-Cap Stocks, China Tensions, and Second Quarter Earnings
For August, the Henssler Research Analysts are closely monitoring signs of life from Small- and Mid-Cap stocks, the continuing tensions between China and Taiwan, and the earnings growth rate for second quarter that is on track to be the highest since late 2021.
Watch the rest of the Market Update series at: ruclips.net/p/PLC3C4D2E95A0C7ACD
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Watch the rest of the Market Update series at: ruclips.net/p/PLC3C4D2E95A0C7ACD
Fan and Follow Henssler:
• Facebook: HensslerFinancial/
• RUclips: ruclips.net/user/HensslerFinancial
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• X: www.x.com/hensslergroup
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• Henssler Money Talks Podcast: hensslermoneytalks.buzzsprout.com/
Просмотров: 53
Видео
The Cost of Waiting to Invest
Просмотров 2821 день назад
It may never feel like the perfect time to start investing, but waiting too long can significantly reduce your nest egg. Money compounds over time, so the earlier you begin, the more opportunity it has to grow. 🌱💸 In this episode of "Planning Priorities," Henssler Financial Associate Michael Coelho, CFP®, explains the power of starting early. Watch the rest of the Investment series at: ruclips....
Six Reasons to Work with a Financial Professional
Просмотров 56Месяц назад
Life events usually equal money events! From marriage to retirement, big life changes often come with important financial decisions. Henssler Financial Senior Associate Michael Griffin, CFP®, provides six ways a financial professional can help you navigate your financial future. Watch the rest of the Personal Finance series at: ruclips.net/p/PLgE91xs4fBI0Ow-K0dfCFv4LOUpL05A3V Fan and Follow Hen...
July 2024 Market Minute: Labor Market, Housing, and Retail Sales
Просмотров 38Месяц назад
For July, the Henssler Financial Research Analysts are keeping a close eye on signs of weakening in the labor market, a slowdown in housing, and if inflation continues to weigh on retail sales. Watch the rest of the Market Update series at: ruclips.net/p/PLC3C4D2E95A0C7ACD Fan and Follow Henssler: • Facebook: HensslerFinancial/ • RUclips: ruclips.net/user/HensslerFinancial • Linked...
June 2024 Market Minute: Fed Meeting, China and Taiwan Tensions, and the Consumer
Просмотров 612 месяца назад
June 2024 Market Minute: Fed Meeting, China and Taiwan Tensions, and the Consumer
The Latte Habit: Little Things Add Up Over Time
Просмотров 372 месяца назад
The Latte Habit: Little Things Add Up Over Time
May 2024 Market Minute: Commodities, 10-Year Treasury, and China Tension
Просмотров 633 месяца назад
May 2024 Market Minute: Commodities, 10-Year Treasury, and China Tension
Social Security: When Should You Claim Retirement Benefits?
Просмотров 2883 месяца назад
Social Security: When Should You Claim Retirement Benefits?
April 2024 Market Minute: Earnings, Inflation, and Fab 4
Просмотров 674 месяца назад
April 2024 Market Minute: Earnings, Inflation, and Fab 4
Investing in Stocks and Mutual Funds
Просмотров 435 месяцев назад
Investing in Stocks and Mutual Funds
Rebalancing Your Employer-Sponsored Retirement Plan
Просмотров 935 месяцев назад
Rebalancing Your Employer-Sponsored Retirement Plan
March 2024 Market Minute: A.I., Inflation, and Bank Funding
Просмотров 1035 месяцев назад
March 2024 Market Minute: A.I., Inflation, and Bank Funding
February 2024 Market Minute: Bond Market, Employment Situation, and S&P 500 Earnings
Просмотров 2416 месяцев назад
February 2024 Market Minute: Bond Market, Employment Situation, and S&P 500 Earnings
Why You shouldn’t Invest Emotionally
Просмотров 657 месяцев назад
Why You shouldn’t Invest Emotionally
January 2024: Market Minute: Fed Pivot, Quality Investing, Getting Broader
Просмотров 677 месяцев назад
January 2024: Market Minute: Fed Pivot, Quality Investing, Getting Broader
The Tax Benefits of Your 401(k) Contributions
Просмотров 5198 месяцев назад
The Tax Benefits of Your 401(k) Contributions
December 2023 Market Minute: Employment, Fed Meeting and Santa Claus Rally
Просмотров 1118 месяцев назад
December 2023 Market Minute: Employment, Fed Meeting and Santa Claus Rally
November 2023 Market Minute: Small Opportunities, Treasury Supply, and Jobless Claims
Просмотров 299 месяцев назад
November 2023 Market Minute: Small Opportunities, Treasury Supply, and Jobless Claims
How to Apply for a Georgia Tax Credit
Просмотров 18510 месяцев назад
How to Apply for a Georgia Tax Credit
October 2023 Market Minute: Bond Yields, Earnings Season, and Labor Market
Просмотров 3510 месяцев назад
October 2023 Market Minute: Bond Yields, Earnings Season, and Labor Market
How 401(k) Contributions Affect Your Paycheck
Просмотров 71211 месяцев назад
How 401(k) Contributions Affect Your Paycheck
September 2023 Market Minute: Soft Landing, Yield Curve, and The Magnificent Seven
Просмотров 3611 месяцев назад
September 2023 Market Minute: Soft Landing, Yield Curve, and The Magnificent Seven
Three Benefits of Dollar Cost Averaging
Просмотров 4311 месяцев назад
Three Benefits of Dollar Cost Averaging
Four Important Estate Planning Documents
Просмотров 42Год назад
Four Important Estate Planning Documents
the part I dont understand on all these youtube takes is that the compounding effect should in my mind be based off of shares because that's truly the only way you are expanding in a compounding way, if the stock increases; great, but that isnt a compounding affect because that extra 10% also increases the current cost of that share and doesnt help you in the sense of more shares as an exponent it only increases the value of the individual shares, so that 10% doesnt actually create any vessel to create another 10% the "compounding" would just purely be based on share value going up. unless you are receiving 10% in dividends (which is highly unlikely)
What is disturbing is that from 2022 to 2024 my 401K didn't have a change in value at all. I mean, it changed values up and down in that time period, but ultimately no gain at all. Yet I was contributing 20% each paycheck plus getting 50% employer match up to 8%. It was a bloody sinkhole of throwing money away...unless all the shares I bought are going to pay off eventually. So far in 2024 I'm just a little ahead now finally. But even that is going up and down and I've put all my money in the fund that performs the best -- S&P 500. I'm only a few years from retirement and angry about how rotten the 401K has performed.
The market is volatile and doesn’t always increase in the short term. However, long term returns in the S&P 500 have been very attractive relative to many other investments. Given the S&P 500 declined 18.13% in 2022 and took until December of 2023 to re-achieve its year-end 2021 level, your recollection seems perfect, but you started in a rough spot. However, the S&P 500 has increased almost 19.5% since the point of full recovery for an annualized return of 7.53% since the beginning of your investment period. Assuming you invested the same amount per month in the market since January 2022, you could have bought more shares when the market was cheap, but fewer since the market recovered. That’s a common practice with 401(k) accounts which is also known as dollar-cost-averaging (DCA). By now, if you just invested $100 per month, you should have invested $3,000 and have around $3,700 as your reward for delaying consumption until some future period. If you needed your assets in the short term, we recommend using bonds to avoid stock market volatility as was seen in 2022. Thank you for watching! If you have further questions, please contact the experts at Henssler.com: experts@henssler.com. ==================================== Important Disclosures: All material presented is compiled from sources believed to be reliable and current, but accuracy cannot be guaranteed. The contents are intended for general information purposes only. Information provided should not be the sole basis in making any decisions and is not intended to replace the advice of a qualified professional, such as a tax consultant, insurance adviser or attorney. Although this material is designed to provide accurate and authoritative information with respect to the subject matter, it may not apply in all situations. Readers are urged to consult with their adviser concerning specific situations and questions. This is not to be construed as an offer to buy or sell any financial instruments. It is not our intention to state, indicate or imply in any manner that current or past results are indicative of future profitability or expectations. As with all investments, there are associated inherent risks. Please obtain and review all financial material carefully before investing. Henssler is not licensed to offer or sell insurance products, and this overview is not to be construed as an offer to purchase any insurance products.
Wish the music was louder, could almost hear you!
would be nice if you wouldve shown what the amt tax rate was and shown how to determine that when amt is the reason we are watching this video.... we already know how to calculate taxable income.
Did u ever put that 1$ in there 😅 hope u did
Good info, the music was a bit loud and it being "poppy" getting loud and soft in volume was a bit distracting
music is horrible to follow the video
I have so many part time gigs and royalty income, virtually untaxed, that I have to put as much of my "real" salary into my 403b as I can. It's a good problem to have.
Melanie, Thank you for the guidance and care you have shared with me over the last few years. J
Congrats Henssler
Setting clear financial goals is an important aspect of personal finance management. It helps individuals to prioritize their financial needs, develop a clear plan of action, and stay motivated to achieve their desired financial outcomes. Thanks for sharing this.
The music don't let me concentrate in the real information of the video
I agree with this message.
Well done ! Taking note and thank you.
What about the Standard deduction? How does that figure into AMT?
If i added 5000$ but then 20$ every check
is 10% compound growth a realistic number though?
Thank you for the question Victor. The S&P 500 has generated an annualized return of 12.87% over the past 10 years through 9/7/22. If you extend the period to 20 years, the annualized return was 9.89%, and extending it to 30 years shows an annualized gain of 9.93%. That being the case, we believe it is reasonable to assume 10% annualized returns on large company stocks. We generally recommend holding a portfolio of high-quality, large company equities to facilitate growth in assets if they are not needed within the next 10 years. This is unlike some advisors who would have you use a mixture of bonds and stocks for stability even when the assets are not assumed to be needed for near-term spending. However, we recommend any assets known to be needed for spending within the next 10 years should be held in fixed income assets, more specifically high-quality individual bonds, to allow you to avoid known volatility in the equities market. When holding bonds in your portfolio, it would likely drive overall portfolio returns lower. If you have further questions, please email us at experts@henssler.com, noting you posted a question to our RUclips video. ==================================== Important Disclosures: All material presented is compiled from sources believed to be reliable and current, but accuracy cannot be guaranteed. The contents are intended for general information purposes only. Information provided should not be the sole basis in making any decisions and is not intended to replace the advice of a qualified professional, such as a tax consultant, insurance adviser or attorney. Although this material is designed to provide accurate and authoritative information with respect to the subject matter, it may not apply in all situations. Readers are urged to consult with their adviser concerning specific situations and questions. This is not to be construed as an offer to buy or sell any financial instruments. It is not our intention to state, indicate or imply in any manner that current or past results are indicative of future profitability or expectations. As with all investments, there are associated inherent risks. Please obtain and review all financial material carefully before investing. Henssler is not licensed to offer or sell insurance products, and this overview is not to be construed as an offer to purchase any insurance products.
Most places will tell you 5-8%. Not a lot of people are invested solely in the S&P due to its high risk.
BACKGROUND MUSIC IS TOO LOUD
So basically if I understand correctly, a 401k is just like a savings account in a bank. If I contributed money to it and so did the employer, it would only grow by what we added into it. To get the compound interest, we have to allocate those funds into a fund like S&P500 correct to get that compound intereest?
We like to think of a 401(k) as a savings account for retirement. In truth, your 401(k) functions more like a brokerage or investment account because it has more investment options than a bank savings account. You are correct, to get the full benefit of growth and compounding, you would need to invest the funds in your 401(k) into a diversified group of mutual funds, such as mutual funds that invest in the S&P 500 Index. If you have further questions, please email us at experts@henssler.com, noting you posted a question to our RUclips video. ==================================== Important Disclosures: All material presented is compiled from sources believed to be reliable and current, but accuracy cannot be guaranteed. The contents are intended for general information purposes only. Information provided should not be the sole basis in making any decisions and is not intended to replace the advice of a qualified professional, such as a tax consultant, insurance adviser or attorney. Although this material is designed to provide accurate and authoritative information with respect to the subject matter, it may not apply in all situations. Readers are urged to consult with their adviser concerning specific situations and questions. This is not to be construed as an offer to buy or sell any financial instruments. It is not our intention to state, indicate or imply in any manner that current or past results are indicative of future profitability or expectations. As with all investments, there are associated inherent risks. Please obtain and review all financial material carefully before investing. Henssler is not licensed to offer or sell insurance products, and this overview is not to be construed as an offer to purchase any insurance products.
Hi Madam, I have charitable Tithe to the church around $5,000 in cash and my gross income (from share investment) is $70,000 married filing jointly, so how much of deductible for charitable? and which Form / line for this deduction ? I am confuse is which kind can to be deduction $600 or 60% for gross income ? what is the difference? thanks
@@HensslerFinancial Hi, I am not understand for itemize ? I was only donat Tithe to church and have a receipt. which IRS form to deduction ? Thanks you help and quick reply
@@HensslerFinancial thanks and clear answers, so appreciated your help.
I liked your video dealing with your aging parents. You are right it´s important that your parents have the right legal documents in place BEFORE something really bad happens. Often we get families in crisis and they come to our law office and have no idea what legal documents their parents have and often its too late.
My friend, concerning charitable donation under standard deduction. I understand the $300 limit. What I am not sure about is the non-cash donation. In other words, can I make a non-cash donation to a qualified charity under standard deduction?
Hi Ant! Per our C.P.A. division, it has to be cash, which for this purpose, includes payment by check or credit card charge. Specifically, here is the rule: For tax years that began in 2020, up to $300 of qualified charitable contributions made by an eligible individual during the tax year (whether made by a single individual or by joint filers) were deductible from gross income in computing AGI. An “eligible individual” was any individual who didn't elect to itemize deductions. The $300 limit applied to the tax-filing unit. Thus, married taxpayers who filed a joint return and didn't elect to itemize were allowed to deduct up to a total of $300 in qualified charitable contributions on the joint return. A “qualified charitable contribution” was a charitable contribution (as defined in Code Sec. 170(c)): (1) that was made in cash; (2) for which a deduction was allowable under Code Sec. 170, determined without regard to the Code Sec. 170(b) percentage limitations on charitable deductions; (3) which was made to an organization described in Code Sec. 170(b)(1)(A) “public charity,” and not to an organization described in Code Sec. 509(a)(3) and (4) which was not for the establishment of a new, or maintenance of an existing, donor advised fund, as defined in Code Sec. 4966(d)(2). In addition, a “qualified charitable contribution” didn't include any carryover of an excess amount that was treated as a charitable contribution made in the tax year by reason of Code Sec. 170(b)(1)(G)(ii) or Code Sec. 170(d)(1). For tax years beginning in 2021 only, an individual who doesn't itemize deductions for the tax year is entitled to a charitable deduction of up to $300 (up to $600 for a joint return). For tax years beginning before Jan. 1, 2020, the 2020 above-the-line deduction for the limited qualified charitable contributions under Code Sec. 62(a)(22) didn't apply. If you have further questions, please email us at experts@henssler.com, noting you posted a question to our RUclips video. ==================================== Important Disclosures: All material presented is compiled from sources believed to be reliable and current, but accuracy cannot be guaranteed. The contents are intended for general information purposes only. Information provided should not be the sole basis in making any decisions and is not intended to replace the advice of a qualified professional, such as a tax consultant, insurance adviser or attorney. Although this material is designed to provide accurate and authoritative information with respect to the subject matter, it may not apply in all situations. Readers are urged to consult with their adviser concerning specific situations and questions. This is not to be construed as an offer to buy or sell any financial instruments. It is not our intention to state, indicate or imply in any manner that current or past results are indicative of future profitability or expectations. As with all investments, there are associated inherent risks. Please obtain and review all financial material carefully before investing. Henssler is not licensed to offer or sell insurance products, and this overview is not to be construed as an offer to purchase any insurance products.
I was the 100th view
I'm trying to figure out how the AMT was calculated using the 2017 numbers and I'm off by exactly $1k. I get $62,471 instead of $63,471. Can someone tell me what I'm doing wrong? Here's my math: Income over phaseout threshold: 289,000 (income) - 160,900 (phaseout threshold) = 128,100 (income over phaseout threshold) Amount of exemption that is "phased out" and needs to be added back in: 128,100 (income over phaseout threshold) * 0.25 (phaseout amount per dollar) = 32,025 (amount of exemption that is "phased out" and needs to be added back in) Taxable AMT income: 289,000 (income) - 84,500 (exemption amount) + 32,025 (portion of exemption that was phased out) = 236,525 (taxable AMT income) Amount of income taxed at 28%: 236,525 (taxable AMT income) - 187,800 (amount taxed at 26%) = 48,725 (amount of income taxed at 28%) AMT: 187800 (amount taxed at 26%) * 0.26 + 48725 (amount taxed at 28%) * 0.28 = 62,471
One of our Tax Experts reviewed your math, and unfortunately they do not have enough information to complete your calculation. There may be an adjustment in your tax return that is not reflected. To assist you further, they will need more information. Please email us at experts@henssler.com, noting you posted a question to our RUclips video and we will put you in touch with the C.P.A. that reviewed your math. ==================================== Important Disclosures: All material presented is compiled from sources believed to be reliable and current, but accuracy cannot be guaranteed. The contents are intended for general information purposes only. Information provided should not be the sole basis in making any decisions and is not intended to replace the advice of a qualified professional, such as a tax consultant, insurance adviser or attorney. Although this material is designed to provide accurate and authoritative information with respect to the subject matter, it may not apply in all situations. Readers are urged to consult with their adviser concerning specific situations and questions. This is not to be construed as an offer to buy or sell any financial instruments. It is not our intention to state, indicate or imply in any manner that current or past results are indicative of future profitability or expectations. As with all investments, there are associated inherent risks. Please obtain and review all financial material carefully before investing. Henssler is not licensed to offer or sell insurance products, and this overview is not to be construed as an offer to purchase any insurance products.
@@HensslerFinancial Thank you for taking the time to look at this. I wasn't computing *my* tax returns. I was using the data presented in the video in the 2017 example where the family ends up with 289K taxable income, just to make sure I understood how the calculation works. The calculation of AMT in the video starting at 2:25.
@@DimitriSLouis Upon further review, you are indeed correct in your calculations. The 2017 AMT in this example should be $62,741. This appears to be a typo that was never caught during review. We have enabled a close caption during this section of the video to reflect the correct amount. You’ll notice later in the video (4:37) when we compare the 2017 tax rules to the 2018 tax rules that included a substantial modification from the Tax Cuts and Jobs Act, we use the correct AMT for 2017. The Tax Cuts and Jobs Act made changes to medical deductions, state and local taxes, home mortgage interest, miscellaneous itemized deductions, personal exemptions, and standard deductions-some of which may have triggered AMT for the average taxpayer. Additionally, the tax reform law increased AMT exemption amounts and significantly increased the income threshold at which exemptions phase out. With the larger standard deductions and limited itemized deductions that the Tax Cuts and Jobs Act enacted, fewer households should itemize, making them less likely to be affected by AMT. If you are subject to AMT, you may see your AMT calculations more closely resemble your standard tax liability calculations because of the changes to how your standard tax liability is calculated and the higher exemptions for AMT. ==================================== Important Disclosures: All material presented is compiled from sources believed to be reliable and current, but accuracy cannot be guaranteed. The contents are intended for general information purposes only. Information provided should not be the sole basis in making any decisions and is not intended to replace the advice of a qualified professional, such as a tax consultant, insurance adviser or attorney. Although this material is designed to provide accurate and authoritative information with respect to the subject matter, it may not apply in all situations. Readers are urged to consult with their adviser concerning specific situations and questions. This is not to be construed as an offer to buy or sell any financial instruments. It is not our intention to state, indicate or imply in any manner that current or past results are indicative of future profitability or expectations. As with all investments, there are associated inherent risks. Please obtain and review all financial material carefully before investing. Henssler is not licensed to offer or sell insurance products, and this overview is not to be construed as an offer to purchase any insurance products.
@@HensslerFinancial Thanks very much for taking the time to look into this. The video was helpful, especially now that I know my calculation wasn't wrong. :)
@@DimitriSLouis Absolutely! Our goal with this RUclips channel is to educate, so we definitely appreciate you taking the time to alert us to the issue. If you have any further questions about AMT, your tax situation or your wealth in general, please do not hesitate to contact us at experts@henssler.com (quicker and more personal responses). Again, thank you SO very much for giving us the opportunity to correct the information in the video. ==================================== Important Disclosures: All material presented is compiled from sources believed to be reliable and current, but accuracy cannot be guaranteed. The contents are intended for general information purposes only. Information provided should not be the sole basis in making any decisions and is not intended to replace the advice of a qualified professional, such as a tax consultant, insurance adviser or attorney. Although this material is designed to provide accurate and authoritative information with respect to the subject matter, it may not apply in all situations. Readers are urged to consult with their adviser concerning specific situations and questions. This is not to be construed as an offer to buy or sell any financial instruments. It is not our intention to state, indicate or imply in any manner that current or past results are indicative of future profitability or expectations. As with all investments, there are associated inherent risks. Please obtain and review all financial material carefully before investing. Henssler is not licensed to offer or sell insurance products, and this overview is not to be construed as an offer to purchase any insurance products.
best youtube channel 😎
Does inflation leading to higher interest rates mean savings accounts' interest rates would rise again?
Yes and no. Our expectation is that short-term interest rates will remain low and the Fed has reinforced this with their recent commentary. However, long-term interest rates may rise with inflation. A typical savings account would be unaffected, but longer term savings, i.e., a five- or 10-year CD, may start to see higher rates with higher inflation. Also, it is these longer term interest rates that are far more important to how we value individual stocks. If you have further questions, please contact the experts at Henssler.com: experts@henssler.com. ==================================== Important Disclosures: All material presented is compiled from sources believed to be reliable and current, but accuracy cannot be guaranteed. The contents are intended for general information purposes only. Information provided should not be the sole basis in making any decisions and is not intended to replace the advice of a qualified professional, such as a tax consultant, insurance adviser or attorney. Although this material is designed to provide accurate and authoritative information with respect to the subject matter, it may not apply in all situations. Readers are urged to consult with their adviser concerning specific situations and questions. This is not to be construed as an offer to buy or sell any financial instruments. It is not our intention to state, indicate or imply in any manner that current or past results are indicative of future profitability or expectations. As with all investments, there are associated inherent risks. Please obtain and review all financial material carefully before investing. Henssler is not licensed to offer or sell insurance products, and this overview is not to be construed as an offer to purchase any insurance products.
💪 Stuff 💙
I love these market minutes. Thank you so much. Appreciate you
This concept will not work this time around. Your ten year rule will take 40 -70 yrs to recover.
The Ten Year Rule is based on studies dating back to 1925. This period would include The Great Depression, WWII, The Impeachment and Removal of President Richard Nixon, and multiple orchestrated terrorist attacks on our Homeland in 2001... and an awful recession in 2008. Through that 95 year period we have only seen two periods where we had less money than we originally invested after a 10 year period when investing it in our domestic stock market, with a diversified large cap index being our guide. While we can appreciate your sentiment, history has given us reason to believe it will not be different this time. If you have further questions, please contact the experts at Henssler.com: experts@henssler.com. ==================================== Important Disclosures: All material presented is compiled from sources believed to be reliable and current, but accuracy cannot be guaranteed. The contents are intended for general information purposes only. Information provided should not be the sole basis in making any decisions and is not intended to replace the advice of a qualified professional, such as a tax consultant, insurance adviser or attorney. Although this material is designed to provide accurate and authoritative information with respect to the subject matter, it may not apply in all situations. Readers are urged to consult with their adviser concerning specific situations and questions. This is not to be construed as an offer to buy or sell any financial instruments. It is not our intention to state, indicate or imply in any manner that current or past results are indicative of future profitability or expectations. As with all investments, there are associated inherent risks. Please obtain and review all financial material carefully before investing. Henssler is not licensed to offer or sell insurance products, and this overview is not to be construed as an offer to purchase any insurance products.
@@HensslerFinancial That would be like counting the trees right in front of you and never really knowing that there is a whole forest beyond your close vision. Each pullback is on a certain wave peak and trough. These peak and trough waves are inside your time period (95 yrs) which are the trees that are in front of you. There are larger waves peaks and troughs that you cannot see that are in control of your smaller pullbacks (95 yrs). We are at the top of a 200 yr wave peak. So, stating a ten year rule is being either intellectually dishonest with yourself or ignorant of wave principle. This 200 yr wave cycle is controlled by a larger 1600 yr economic cycle. So, expect this 200 yr peak to pull back and probably not recover in our lifetime. Buckle up. Investment houses all over the world will be bankrupt because they believe in rules like the 10 yr rule. Just being honest with you. BTW, ask the Japanese how that ten year rule worked out for them. The Nikkei crashed in 1990 at the stock price of 40,000 and was at a low 15 yrs later and still has never recovered and is currently at 24,150 still 30 years later.
@@HensslerFinancial I’m going to explain why the ten year rule is ridiculous and is nothing more than a sales pitch. Let’s pick a ten second rule or a ten minute rule or a ten hour rule or a ten day rule or even a ten month rule. It really doesn’t matter but, I’m going to pick the “Ten Day Rule”. If we know we won’t be pulling out our investment in ten days then we should be good. It will always go back up and earn back the capital we lost on the crash. ;-). Right? Let’s say we made our initial investment on Feb 5, 2020. Ok, on Feb 10, 2020 we peaked on the DOW and then it hit the bottom on Mar 23, 2020. So, we had 42 Days of the market dropping. If I were to be using my ten day rule I would lose a significant amount of my capital (actually, all of it) because I held longer than the 10 days. I held it for 4 times longer than expected and that is only at the bottom. We are now current on Nov 5, 2020 and 269 days out and still haven’t made it back to the high before the crash. So, we are now holding 27 times longer than expected because I am sticking to my ten day rule and I’m still not making profitable returns. See, it’s all about PERSPECTIVE. There are always pullbacks on WHATEVER frequency wave principle we choose. It doesn’t matter if it’s ten seconds or ten years. There will always be corrections happening on both lower frequencies and upper frequencies. Just because you haven’t experience a 200 year wave peak doesn’t mean it doesn’t exist. We are on the precipice of a 200 year wave pullback. There will be no such thing as a ten year rule. It will be swallowed up like the ten second rules being swallowed up everyday in the markets. PERSPECTIVE. <<<<<<<<<. THAT’S THE KEY 🔑 TO KNOWING WHERE YOU ARE ON THE WAVE SPECTRUM.
The Ten Year Rule is not based on an unseen wave as might be believed viable by a technical analyst. The underlying fundamentals of revenue and earnings are a solid foundation for valuations. We accept your disagreement, as it takes differing opinions to make a market. As has been the case for many years, those who short the market over long periods of time do so at the risk of significant loss. If you have further questions, please contact the experts at Henssler.com: experts@henssler.com. ==================================== Important Disclosures: All material presented is compiled from sources believed to be reliable and current, but accuracy cannot be guaranteed. The contents are intended for general information purposes only. Information provided should not be the sole basis in making any decisions and is not intended to replace the advice of a qualified professional, such as a tax consultant, insurance adviser or attorney. Although this material is designed to provide accurate and authoritative information with respect to the subject matter, it may not apply in all situations. Readers are urged to consult with their adviser concerning specific situations and questions. This is not to be construed as an offer to buy or sell any financial instruments. It is not our intention to state, indicate or imply in any manner that current or past results are indicative of future profitability or expectations. As with all investments, there are associated inherent risks. Please obtain and review all financial material carefully before investing. Henssler is not licensed to offer or sell insurance products, and this overview is not to be construed as an offer to purchase any insurance products.
@@HensslerFinancial I understand your perspective, but my wave function is based off data from the founding of Wall St 1792 and world economic data for 2000 years. These wave functions are organic and based off natural order that can be quantified and has been quantified. I will say the odds are against you at this time. Just giving you a heads up and being real. Take care and be safe. 😎☀️👍
Can you have more than two Roth IRA
Yes. There is no limit as to the number of Roth IRA accounts you can have, as long as you do not contribute more than the maximum annual contribution limit each year. We normally do not recommend opening a separate account each year. Additionally, we recommend opening an account with a brokerage firm (like Schwab) that allows you to invest in many different types of investments (stocks, mutual funds, ETFs, CDs, Bonds). Each year you can make your annual contribution to that account, even if you want to invest in something completely different than the previous year(s). If you have further questions, please contact the experts at Henssler.com: experts@henssler.com. ==================================== Important Disclosures: All material presented is compiled from sources believed to be reliable and current, but accuracy cannot be guaranteed. The contents are intended for general information purposes only. Information provided should not be the sole basis in making any decisions and is not intended to replace the advice of a qualified professional, such as a tax consultant, insurance adviser or attorney. Although this material is designed to provide accurate and authoritative information with respect to the subject matter, it may not apply in all situations. Readers are urged to consult with their adviser concerning specific situations and questions. This is not to be construed as an offer to buy or sell any financial instruments. It is not our intention to state, indicate or imply in any manner that current or past results are indicative of future profitability or expectations. As with all investments, there are associated inherent risks. Please obtain and review all financial material carefully before investing. Henssler is not licensed to offer or sell insurance products, and this overview is not to be construed as an offer to purchase any insurance products.
Love hearing the tangible steps you're implementing to make dents towards your dreams and aspirations!
How is this paid to our retirement account? Is the compound interest paid in the form of dividends or capital gains? I understand the concept of compound interest but I don’t understand where the compound interest comes from and who is paying out to us.
I think a better term might be "compound growth." This growth can come from items you mentioned, like dividends and capital gains; appreciation of the investments, or additions to the investments, such as your 401(k) contributions. As these accumulate, the growth or “interest” is a now based on a higher number than the previous year, hence the compounding effect, to help your investments grow faster and bigger over time. If you have further questions, please contact the experts at Henssler.com: experts@henssler.com. ==================================== Important Disclosures: All material presented is compiled from sources believed to be reliable and current, but accuracy cannot be guaranteed. The contents are intended for general information purposes only. Information provided should not be the sole basis in making any decisions and is not intended to replace the advice of a qualified professional, such as a tax consultant, insurance adviser or attorney. Although this material is designed to provide accurate and authoritative information with respect to the subject matter, it may not apply in all situations. Readers are urged to consult with their adviser concerning specific situations and questions. This is not to be construed as an offer to buy or sell any financial instruments. It is not our intention to state, indicate or imply in any manner that current or past results are indicative of future profitability or expectations. As with all investments, there are associated inherent risks. Please obtain and review all financial material carefully before investing. Henssler is not licensed to offer or sell insurance products, and this overview is not to be construed as an offer to purchase any insurance products.
Great edits and i love the info u highlighted in this
This is well explained and I have been in this situation and have suggested many of my known people to analyse working in this way, The question comes up is why should only Women give up?? We should think about this in two ways 1. Passion : If she's passionate about her Work or she's very well skilled to survive throughout the life then you can think of giving up, remember once a gap is there in your carrier it's gone. 2. Financial: If it's the financial thing you must calculate income and expenses explained in this video and decide. Seriously the child suffers a lot, I remember when I used to come back tiered from school or even in college first thing I wanted to see back home is mom. Even everything is ready, seeing mom at home, 50% of your tiredness is gone.
Thank you for this (:
This explained what a vesting schedule is but did not explain what vesting is..
For retirement accounts, like a 401(k), your employer may match your contributions to the account. The money your employer puts in your account may not become accessible to you or legally yours until a period of time has passed. Vesting occurs when the assets contributed to your retirement account by your employer have become legally yours. Some employers allow their contribution to vest immediately, others may make you wait several months or even years for the assets to vest and thereby become legally yours. If you have a retirement account that your employer contributes to, you should be able to find the details of the vesting schedule by asking your HR department. If you have further questions about vesting in general, please contact the experts at Henssler.com: experts@henssler.com. ==================================== Important Disclosures: All material presented is compiled from sources believed to be reliable and current, but accuracy cannot be guaranteed. The contents are intended for general information purposes only. Information provided should not be the sole basis in making any decisions and is not intended to replace the advice of a qualified professional, such as a tax consultant, insurance adviser or attorney. Although this material is designed to provide accurate and authoritative information with respect to the subject matter, it may not apply in all situations. Readers are urged to consult with their adviser concerning specific situations and questions. This is not to be construed as an offer to buy or sell any financial instruments. It is not our intention to state, indicate or imply in any manner that current or past results are indicative of future profitability or expectations. As with all investments, there are associated inherent risks. Please obtain and review all financial material carefully before investing. Henssler is not licensed to offer or sell insurance products, and this overview is not to be construed as an offer to purchase any insurance products.
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Ok i have a question?Are restaurant has profit share.Last year was the first time receiving a check.Will this happen ever year now?And i had a bone fusion on my foot from arthritis this year and was out for 2 1/2 months.Will that time off effect my profit share?
Great update
Very nice video!
I wish the text weren’t typed out, it takes way too long to read. Just put the text on the screen all at the same time!
Thanks for posting such an informative video! A question on LTCG, usually LTCG is less than 20% but with AMT, it used to rise to 25-30% in 2017 AMT. Could you please comment on if LTCG will be calculated at the standard 15% with the new tax act?
HensslerFinancial thanks for the detailed explanation! Much helpful!
they suck? My dad got $84 dollars a month for life, better than nothing, but very little. Company was Foster Farms, California poultry company, privately owned, having very difficult problems as global warming and ecosystem collapse and US dollar collapses...fluctuates with the market/bonds believe
What about individual AMT exemptions (not personal & dependency exemptions) to get AMTI? Was it left out so that example is simple for people to understand?
Yes, the AMT exemption concept is kept off of the whiteboard illustration to keep it simple, but the AMT exemptions are included when we calculated the AMT in the examples. At 2:30 we note: “Because their AMT income was so high, some of their AMT exemption was phased out” At 4:19 we note: “The (“AMT”) Phaseout Thresholds were also substantially increased, which means the full AMT Exemption can be taken by taxpayers married filing jointly who earn less than $1,000,000.” If you have additional questions or would like to meet with one of our experts, please contact us at 770-429-9166. ==================================== Important Disclosures: All material presented is compiled from sources believed to be reliable and current, but accuracy cannot be guaranteed. The contents are intended for general information purposes only. Information provided should not be the sole basis in making any decisions and is not intended to replace the advice of a qualified professional, such as a tax consultant, insurance adviser or attorney. Although this material is designed to provide accurate and authoritative information with respect to the subject matter, it may not apply in all situations. Readers are urged to consult with their adviser concerning specific situations and questions. This is not to be construed as an offer to buy or sell any financial instruments. It is not our intention to state, indicate or imply in any manner that current or past results are indicative of future profitability or expectations. As with all investments, there are associated inherent risks. Please obtain and review all financial material carefully before investing. Henssler is not licensed to offer or sell insurance products, and this overview is not to be construed as an offer to purchase any insurance products.
Good to know! Thanks for the information.
That answered mine
Loud music in the background makes it nearly impossible to concentrate.