Rolekretirement. Kyle J Rolek - Financial Advisor, Chicago, Illinois - BrightScope Advisor Pages. Remote Work and Remote Jobs. Rolek Retirement Strategies. Meet Kyle Rolek, CFP®, AWMA® As a retirement advisor and Certified Financial Planner, Kyle Rolek teaches classes about retirement held at colleges and universities in the Greater Philadelphia area.
Kyle graduated in 2009 from Lafayette College in Easton, Pennsylvania with a degree in economics and business. He got his start in the industry in 2009 with a global Fortune 500 leader where he was consistently ranked as a top advisor within his firm. He moved up the ranks into a management role before leaving the firm to pursue his mission of empowering people with the education they need to achieve their retirement goals. Rolek Retirement Strategies. Goleopards.com Kyle Rolek Bio - Lafayette Leopards Official Athletic Site Lafayette Leopards Official Athletic Site - Track & Field. LinkedIn. Rolek Retirement Strategies. Retirement the biggest investment in life. View 800% 400% 200% 150% 125% 100% 75% 50% Full Width Full Height Full Page Show Text Download as...
Include... Search Results No terms available Load Annotations. Kyle J Rolek - Financial Advisor, Chicago, Illinois - BrightScope Advisor Pages. Retirement Income and the Traditional Portfolio. Taking withdrawals from a traditional portfolio exposes fixed-income investors to “sequence of returns” danger.
In other words, experiencing negative returns early in retirement can deplete your portfolio more quickly than you planned and potentially undermine the sustainability of your assets. So you may want to consider a couple of strategies to help mitigate this concern. Liquid Assets The first is to have a pool of very liquid assets to fund two-to-three years of retirement spending; this may keep you from selling longer-term assets at an inopportune time. Through time, and depending upon market conditions, you may have the opportunity to replenish this cash reserve using gains from your retirement portfolio.
How To The Basics of Annuities. Introduction In 2015 people purchased $229 billion in annuity contracts—including$130 billion in variable annuities and $98 billion in fixed annuities.
Fixedannuities offer a guaranteed payout, usually a set dollar amount or a setpercentage of the assets in the annuity. Steps Postedby Kyle Rolek, CERTIFIED FINANCIAL PLANNER™ Rolek Retirement Strategies. Building Your Legacy by Kyle Rolek. Posted By: Kyle Rolek Carve your name on hearts, not tombstones.
A legacy is etched into the minds of others and the stories they share about you.¹ Shannon L. Alder The desire to leave a legacy may be the height of altruism, for it is a gift to the future; you may never witness the benefits of it nor feel the appreciation of others. Creating your legacy does not happen overnight, and it doesn’t come without a strategy and hard work.
Healthcare Costs in Retirement. Tip: Medicare beneficiaries spent an average of $4,734 out of pocket on health care in 2010, the most recent year for which figures are available.
Forty-two percent of that went to premiums, 20% to long-term care facilities. Source: MedicareResources.org, October 24, 2015 American workers are split about 50/50 when asked if they are confident they will have enough money to pay for medical expenses in retirement. In a 2015 survey, 42% of all workers reported they were “not too” or “not at all” confident they would have enough money to pay for their medical expenses in retirement. Fifty-six percent said they were “very” or “somewhat” confident they could pay the cost.¹ Women and Financial Strategies. Thirty-eight percent of American women earn more money than their husbands.1 Yet only 14% of women are very confident they will have enough money to maintain their lifestyle once they retire.2 Although more women are providing for their families, when it comes to preparing for retirement, they may be leaving their future to chance.
Women and College The reason behind this disparity doesn't seem to be a lack of education or independence. Today, women are more likely to go to college and graduate than men.3 So what keeps them from taking charge of their long-term financial picture? One reason may be a lack of confidence. Insider language Since Wall Street traditionally has been a male-dominated field, women whose expertise lies in other areas may feel uneasy amidst complex calculations and long-term financial projections.
But women need to keep one eye looking toward retirement since they may live longer and could potentially face higher health-care expenses than men. Rolek Retirement Strategies. Tip: Still Selling Strong.
In 2015, investors purchased $236.7 billion in annuity contracts. Most of this capital—$133 billion—went into variable annuities. Source: LIMRA, 2016 Individuals hold more than $2.0 trillion in annuity contracts; a tidy sum considering an estimated $7.4 trillion is held in all types of IRAs.1 Annuity contracts are purchased from an insurance company. The money invested in an annuity grows tax-deferred. There are two main types of annuities. Fixed annuities offer a guaranteed payout, usually a set dollar amount or a set percentage of the assets in the annuity. Rolek Retirement Strategies. Tip: 20% of retirees are currently providing financial support to a relative or friend.
Source: 2015 Retirement Confidence Survey, EBRI Retirement can have many meanings. For some, it will be a time to travel and spend time with family members. Leading Adult Learning Course On Retirement Comes to Greater Philadelphia. PHILADELPHIA, Jan. 10, 2017 /PRNewswire/ -- Kyle Rolek, CFP® of Rolek Retirement Strategies will be instructing Retirement Planning Today®, an adult learning course held at over 500 colleges and universities throughout the nation, at Cairn University in Langhorne, Pennsylvania this February.
To learn more about the course, including dates and registration information, visit courseoutline.rolekretirement.com or email firstname.lastname@example.org. Retirement planning in today's economic environment poses challenges that most aging Americans don't foresee. Through this formal adult learning program, Kyle Rolek—a Certified Financial PlannerTM—brings his expertise in retirement planning into the classroom to help pre-retirees and newly retired individuals empower themselves to make informed decisions regarding their financial future. Kyle Rolek — Long Term Trend in Healthcare Costs. Rolek Retirement Strategies in Philadelphia, PA 19102. Retirement Expectations vs. Reality. Irrevocable Life Insurance Trusts.
Irrevocable life insurance trusts (ILITs) are set up during your lifetime and are often used to avoid probate and shelter life insurance benefits from potential estate taxes. Posted by Kyle Rolek, CERTIFIED FINANCIAL PLANNER™ President, Rolek Retirement Strategies Key features of irrevocable life insurance trusts include: The grantor must give up the rights to assets, to revoke or change terms and to change beneficiaries If the trust purchases the life insurance policy, protection from potential estate tax may be immediate If you transfer an existing policy into the trust, the insurance proceeds may be subject to estate taxes if you die within 3 years of the transfer Assets or insurance policies transferred to the trust may be subject to gift tax Since the trust owns the insurance policy and death benefits are paid to the trust, these assets avoid probate and the claims of creditors Proper estate planning must address the issue of liquidity to pay expenses.
The Probate Process. Postedby Kyle Rolek, CERTIFIED FINANCIAL PLANNER President, Rolek Retirement Strategies Probateis a state, legal process to identify the value of what you own and distribute your assets following your death. • If you do not have a will, assets subject to probate will be distributed according to state law• If you have a will, probate will supervise the execution of your will’s instructions Advantagesof probate include:• Provides a consistent legal process for people who die without awill• Determines the validity of your will and interprets its intent• Provides court supervision to ensure your executor is actingaccording to your will• Generally limits the time in which the will can be challenged andcreditors can make claims on the estate • Pays debts and taxes, settles disputes and transferslegal title• It does not influence any assets transferred byother methods This content is developed from sources believed to be providingaccurate information.
Inube Verification. Articles.org. Posted by Kyle Rolek, CERTIFIED FINANCIAL PLANNER™ President, Rolek Retirement Strategies Probate is a state, legal process to identify the value of what you own and distribute your assets following your death. If you do not have a will, assets subject to probate will be distributed according to state lawIf you have a will, probate will supervise the execution of your will’s instructions Advantages of probate include: Provides a consistent legal process for people who die without a willDetermines the validity of your will and interprets its intentProvides court supervision to ensure your executor is acting according to your willGenerally limits the time in which the will can be challenged and creditors can make claims on the estatePays debts and taxes, settles disputes and transfers legal titleIt does not influence any assets transferred by other methods Disadvantages of probate include: This content is developed from sources believed to be providing accurate information.
A Will May Not Be Enough – Kyle Rolek – Medium. Posted by Kyle Rolek, CERTIFIED FINANCIAL PLANNER™ President, Rolek Retirement Strategies A will is an important legal document. In your will, you (the testator or testatrix) should provide instructions for the distribution of your estate upon your death and appoint a person (executor, executrix or personal representative) to administer your estate.
Although a will by itself may not create the most effective estate plan, it does offer many advantages listed below: Home. Posted by Kyle Rolek, CERTIFIED FINANCIAL PLANNER™ President, Rolek Retirement Strategies In many cases, if you become unable to make decisions for yourself and have not prepared the proper documents, decisions will be made for you by law or a person will be appointed by the court to make decisions for you. • A durable power of attorney is a legal document in which you (the principal) are appointing the person or persons (attorney-in-fact) that you want to make financial decisions for you • In this document, you must specify the powers being granted and when the document becomes effective.
How To Types of Cash Value Life: Survivorship Life. Introduction This type of life insurance policy insures the lives of two people andis available as whole life, universal life, variable life or variable universallife Steps. Types of Cash Value Life: Variable Life - All. Home. Kyle Rolek. Why Do People Rollover a 401k to an IRA? Matching your retirement portfolio with your lifestyle Voticle.com. Matching Your Retirement Portfolio With Your Lifestyle. Investment objective, risk tolerance, and time horizon are key factors to consider when constructing investment portfolios.
Rolek Retirement Strategies. Rolek Retirement Strategies. Rolek Retirement Strategies Presents Retirement Planning Course at LaSalle University. Rolek Retirement Strategies. Rolek Retirement Strategies. Americans Retire Earlier Than Expected While 25% of workers surveyed plan to retire before age 6... - justpaste.it. Retirement Planning and Monte Carlo Simulations – Kyle Rolek – Medium. Social Security: Five Facts You Need to Know. Social Security can be complicated and, as a result, many individuals don’t have a full understanding of the choices they may have.
The majority of retirees get over half of their retirement income from social security. Since its an important piece of the retirement income puzzle, its important to understand how social security works so you can make the most of your benefits. Rolek Retirement Strategies. Rolek Retirement Strategies. Kyle Rolek (@rolekretirement)
Inube Verification. Does Your Portfolio Fit Your Retirement Lifestyle?: Rolek Retirement Strategies 267.427.566730 South 15th Street 15th Floor Philadelphia, PA 19102. Rolek Retirement Strategies. Rolek Retirement Strategies. Kyle Rolek: Retirement Planning and Monte Carlo Simulations. Kyle Rolek :- Retirement Planning and Monte Carlo Simulations - All. Articles.org. Rolek Retirement Strategies. Certain Uncertainties in Retirement by Kyle Rolek.