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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.

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.

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.

@@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.

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.

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.

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.

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. 😎☀️👍

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.

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.

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.

HensslerFinancial thanks for the detailed explanation! Much helpful!

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.