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Strategic Allocation

Strategic Allocation. 3. E. F. Presented By : . Foundation for Financial Education. www.f3eonline.org | sharon@f3eonline.org | 240-499-0390. OUTLINE. Traditional Asset Allocations Evolution to New A llocations Tax Implications Leveraging Assets Income Planning

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Strategic Allocation

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  1. Strategic Allocation 3 E F Presented By: Foundation for Financial Education www.f3eonline.org | sharon@f3eonline.org | 240-499-0390

  2. OUTLINE • Traditional Asset Allocations • Evolution to New Allocations • Tax Implications • Leveraging Assets • Income Planning • Adapting to Change

  3. Traditional Asset Allocation • Stocks vs. bonds vs. mutual funds • Rule of 100 • Real estate in your portfolio • Tax benefits & Capital growth • Risk vs. Reward

  4. Evolutions of Asset Allocation • Life cycle funds TSP, fidelity, 401(k) • Reits & Index Funds • Tax shelters (Roth, Munis, LI)

  5. Tax Implications • Capital gains vs. dividend vs. interest • Marginal tax rates now and retirement • Tax time bomb (defer, defer, defer) • Gifting 15% 25% 39%

  6. Benefit, you, your family & Charity $1,000,000 $500 K $500 K @ 4% @ 6% @ 5% $40,000 - TAX CRT $28,000 $30,000 $25,000 Strategic Allocation

  7. Income Streams • Cola/inflation adjustments • Survivor Benefit Pension (SBP) • Life expectancy

  8. Changing Market Environment

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