Posts Tagged Kurt Rusch

Protection, Benefits & Accountability: Smart Planning for Start Ups and Small Business

Protection, Benefits & Accountability may not be at the forefront of new and small business owners’ minds, but they should be.   Often ignored and/or glossed over by startups, these components are an essential part of basic business planning and can make the difference between success growth and failure.   You know the old adage: […]

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Why Most American Workers Do NOT Participate in 401(k) s

67 percent of Americans workers aged 21-64 with access to employer-sponsored 401(k)’s do not participate in the pre-tax retirement plan.   I was absolutely floored when I read this stat published by the Employee Benefit Research Institute. There had to be a typo in there somewhere. (I double checked; there wasn’t.) Virtually then, more than […]

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How to Interview a Planner

  Staying away from illegal interview questions is vital according to a recent CBS News blog. Do not screen people for: race, color, sex, religion, national origin, birthplace, age, marriage and disability status. You can, however, “re-work some legal alternatives”.   If you want to know how old someone is, ask them if they’re “over […]

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Follow Your Money For Answers

    According to the Bureau of Labor Statistics, more than half of the money we spend goes to housing and transportation. Reading about the breakdown of consumer spending, started me wondering…   1)      Why do we naturally bristle at the thought of saving money? 2)      Why does the discipline of wise money management overwhelm […]

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Why Work With An Advisor?

  There is nothing worse than a home improvement project gone wrong. You waste a ton of time running back and forth to Menards because you know you can do-it-yourself and end up wasting way more money in the long run more often than not. (Been there, done that, more times than I want to […]

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Defined Benefit VS. Defined Contribution

In speaking with a client recently, I was asked to describe the difference between Defined Benefit Plans and Defined Contributions Plans. I was a bit taken a back because I assumed these were commonly understood concepts.   Investigating further, I discovered my assumption was wrong. The differences between Defined Benefit Plans and Defined Contribution Plans […]

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Get a Competitve Edge on Auto Insurance

I recently shared an article I read on “12 Tips to Saving Money on Auto Insurance” with my wife; her first response was, “How much can you save if you make these changes?” Half of any insurance equation is always cost; unfortunately, the answer is more convoluted.   Since there are so many factors affecting […]

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Top 3 FAQs on 401(k)s

  The top three questions I am asked most often these days with regard to 401(k) accounts are:   Should I leave my 401(k) in a prior employer plan while out of work? Is it best to roll my account into a new employer plan every time I change jobs? Can I cash my 401(k) […]

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Mature Health: Time Sensitive Changes

This is a MUST READ for Adults 65 & Up, Caregivers, Adult Children and Estate Managers!   New Changes to Part D Enrollment Period   The Annual Enrollment Period (AED) has changed for Medicare Part D plans. This is a big deal for anyone 65 and older because failure to make changes within this period […]

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What if you couldn’t work and pay bills?

    According to statistics provided by the Social Security Administration, 3 in 10 workers entering the workforce today will become disabled before they retire. If that stat isn’t staggering enough, consider the fact that 71% of Americans would find it very difficult or somewhat difficult to meet their current obligations if their paycheck was […]

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