i95 Business Highlights Carl Strozyk and 360 Financial Group as Harford County Business Leader

i95 Business Article for 360 Financial Group

As part of its August issue, i95 Business shined a spotlight on Harford County business leaders, and Carl Strozyk of 360 Financial Group is honored to be chosen.

Click here to see the full article on page 49: http://i95business.com/2017/08/partners-financial-journey/

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i95 Business Article for 360 Financial Group

i95 Business Highlights Carl Strozyk and 360 Financial Group as Harford County Business Leader

8/9/2017

As part of its August issue, i95 Business shined a spotlight on Harford County business leaders, and Carl Strozyk of 360 Financial Group is honored to be chosen.

Click here to see the full article on page 49: http://i95business.com/2017/08/partners-financial-journey/

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Features

retirement egg

Can I roll my traditional 401(k) account balance over to a Roth IRA?

7/20/2017

Yes, you can make a direct or 60-day rollover from a 401(k) plan [or other qualified plan, 403(b) plan, or governmental 457(b ...

read more
IRA Rollover

What is a rollover IRA, and do I need one?

7/17/2017

Generally, the term "rollover IRA" refers to an IRA that you establish to receive funds from an employer retirement plan like a 401(k). A ...

read more
Health Wealth

"Always keep two things in stock: crunchy vegetables and an emergency savings account."
Michael F. Roizen, MD, and Jean Chatzky, personal finance commentator
Authors of Ageproof: Living Longer Without Running Out of Money or Breaking a Hip

¹ American Psychological Association, February 4, 2015; The Telomere Effect: A Revolutionary Approach to Living Younger, Healthier, Longer, by Blackburn and Epel; and Ageproof: Living Longer Without Running Out of Money or Breaking a Hip, by Chatzky and Roizen

² The cost and availability of life insurance depend on factors such as age, health, and the type and amount of insurance purchased. A complete statement of coverage, including exclusions, exceptions, and limitations, is found only in the policy. It should be noted that long-term care carriers have the discretion to raise their rates and remove their products from the marketplace.

The Health-Wealth Connection

7/15/2017

It's a vicious cycle: Money is one of the greatest causes of stress, prolonged stress can lead to serious health issues, and health issues ...

read more

Archive

i95 Business Article for 360 Financial Group

i95 Business Highlights Carl Strozyk and 360 Financial Group as Harford County Business Leader

8/9/2017

As part of its August issue, i95 Business shined a spotlight on Harford County business leaders, and Carl Strozyk of 360 Financial Group is honored ...

read more
retirement egg

Can I roll my traditional 401(k) account balance over to a Roth IRA?

7/20/2017

Yes, you can make a direct or 60-day rollover from a 401(k) plan [or other qualified plan, 403(b) plan, or governmental 457(b ...

read more
IRA Rollover

What is a rollover IRA, and do I need one?

7/17/2017

Generally, the term "rollover IRA" refers to an IRA that you establish to receive funds from an employer retirement plan like a 401(k). A ...

read more
Health Wealth

"Always keep two things in stock: crunchy vegetables and an emergency savings account."
Michael F. Roizen, MD, and Jean Chatzky, personal finance commentator
Authors of Ageproof: Living Longer Without Running Out of Money or Breaking a Hip

¹ American Psychological Association, February 4, 2015; The Telomere Effect: A Revolutionary Approach to Living Younger, Healthier, Longer, by Blackburn and Epel; and Ageproof: Living Longer Without Running Out of Money or Breaking a Hip, by Chatzky and Roizen

² The cost and availability of life insurance depend on factors such as age, health, and the type and amount of insurance purchased. A complete statement of coverage, including exclusions, exceptions, and limitations, is found only in the policy. It should be noted that long-term care carriers have the discretion to raise their rates and remove their products from the marketplace.

The Health-Wealth Connection

7/15/2017

It's a vicious cycle: Money is one of the greatest causes of stress, prolonged stress can lead to serious health issues, and health issues ...

read more
Future of Federal Estate Tax

1 2015 Field Guide to Estate Planning, Business Planning & Employee Benefits

The federal estate tax has been enacted or repealed a number of times over the years, while undergoing many changes. Tax reform, including possible repeal of the estate tax, is back in the spotlight once again.

Future of the Federal Estate Tax

7/8/2017

While no one can predict the future, the possibility of tax reform is once again in the spotlight. If it occurs, it may very well ...

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Rising Interest Rates

Don't Let Rising Interest Rates Catch You by Surprise

7/1/2017

You've probably heard the news that the Federal Reserve has been raising its benchmark federal funds rate. The Fed doesn't directly control consumer ...

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Climate Change

I'm thinking about buying a new home. Should I consider the risk of climate changes?

6/25/2017

If you're thinking about buying a home, you probably have a checklist of qualities you're looking for as you shop around.

But have ...

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Roadside help

Should I purchase towing and rental reimbursement coverage for my car?

6/23/2017

For many individuals, driving a car is a necessity.

Whether you're driving to work or running errands on the weekend, not having your main ...

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Simple IRA

You can also set up a 401(k) plan as a SIMPLE plan. However, there's little advantage in doing so, because you'll have the same lower contribution limits as a SIMPLE IRA plan while giving up the ease of administration that makes SIMPLE plans attractive in the first place.

*The 3% of pay match may be reduced to as little as 1% in any two of five years.

Setting Up a SIMPLE IRA Plan: It's Simple!

6/18/2017

Looking for a retirement plan for your employees that's easy and inexpensive to administer?

Well, there may be a simple answer: the Savings Incentive ...

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Federal Reserve

*You should consider carefully the consequences of an in-service distribution. Distributions from your pre-tax TSP account are subject to federal income tax, and an additional 10% penalty tax will generally apply to distributions made prior to age 59½. The taxation of in-service withdrawals from a Roth TSP account depends on whether the distribution is a qualified or nonqualified withdrawal. Consideration should also be given to the overall depletion of your retirement savings. In addition, if you're married, your spouse must be notified of any request for an in-service distribution, and in most cases must consent.

Withdrawal Options for Your Thrift Savings Plan (TSP)

6/11/2017

The Federal Thrift Savings Plan (TSP) is a tax-deferred retirement savings and investment plan set up to help federal civilian employees and military personnel save ...

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Four Numbers

Four Numbers You Need to Know

6/5/2017

When it comes to your finances, you might easily overlook some of the numbers that really count. Here are four to pay attention to now ...

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Coffee Ethics

What is an ERISA fiduciary?

5/22/2017

The Employee Retirement Income Security Act (ERISA) was enacted in 1974 to protect employees who participate in retirement plans and certain other employee benefit plans ...

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Are you ready to retire?

Are You Ready to Retire?

5/15/2017

Here are some questions to ask yourself when deciding whether or not you are ready to retire.

Is your nest egg adequate?

It may be ...

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Florida Couple

Is It Wise to Trade Your Pension for a Lump Sum?

5/11/2017

Most private employers have already replaced traditional pensions, which promise lifetime income payments in retirement, with defined contribution plans such as 401(k)s. But ...

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Home Tax Advantages

Tax Benefits of Home Ownership

5/8/2017

Buying a home can be a major expenditure. Fortunately, federal tax benefits are available to make homeownership more affordable and less expensive. There may also ...

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Cyber Brain

Is Smart Beta a Smart Strategy for You?

5/1/2017

Traditional investment indexes such as the S&P 500 are weighted based on market capitalization, the value of a company's total outstanding stock. This ...

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Bond Rating Agency

What Do Bond Rating Agencies Use?

4/24/2017

Bond rating agencies typically use similar scales, and it may be helpful to understand how to compare ratings from multiple agencies.

This chart compares bond ...

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Bond Ratings

What are Bond Ratings?

4/17/2017

Bond ratings are an essential tool when considering fixed-income investments. Ratings provide a professional assessment of credit risk, or the risk of default, which can ...

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Spring Cleaning Finances

Spring Cleaning Your Finances

4/10/2017

The arrival of spring often signifies a time of renewal, a reminder to dust off the cobwebs and get rid of the dirt and grime ...

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Retirement age couple

Converting Retirement Savings to Retirement Income

4/7/2017

You've been saving diligently for years, and now it's time to think about how to convert the money in your traditional 401(k ...

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