Rainstone Financial

Good Financial Steps to Take When You Get Married

Joseph Regenstein IV, CMFC — Tue, 24 Aug 2010 13:00:25 +0000

Good Financial Steps to Take When You Get Married is a post from: Rainstone Financial

Good Financial Steps to Take When You Get Married is a post from: Rainstone Financial If you’re going to say “I do”, here are some things you might want to do. Are you marrying soon? Have you recently married? As you begin your life together, it’s important for you to start planning your financial future [...]

Rules Change for In-Service 401(k) Rollovers

Joseph Regenstein IV, CMFC — Tue, 24 Aug 2010 13:00:04 +0000

Rules Change for In-Service 401(k) Rollovers is a post from: Rainstone Financial

Rules Change for In-Service 401(k) Rollovers is a post from: Rainstone Financial 401(k)-to-Roth rollovers are now possible before age 59½. A new possibility. Sometimes employees want to pull money out of a 401(k) before they retire. It isn’t always because of an emergency. Some workers want to make an in-service non-hardship withdrawal just to roll [...]

How And When To Sign Up For Medicare

Joseph Regenstein IV, CMFC — Tue, 24 Aug 2010 12:59:44 +0000

How And When To Sign Up For Medicare is a post from: Rainstone Financial

How And When To Sign Up For Medicare is a post from: Rainstone Financial Breaking down the enrollment periods and eligibility. Medicare enrollment is automatic for some of us. In fact, anyone who has received a Social Security check or 24 months worth of Social Security Disability Insurance (SSDI) is automatically enrolled in Medicare Part [...]

Getting a Mortgage Today

jregenstein — Tue, 24 Aug 2010 12:59:03 +0000

Getting a Mortgage Today is a post from: Rainstone Financial

Getting a Mortgage Today is a post from: Rainstone Financial What can you do to help yourself get pre-approved? Remember when getting a mortgage was easy? Now, you need pre-approval. So how can you increase your chances of passing that all-important test? You want a lender in your corner. Sellers and agents don’t want to [...]

The Creative Way to "Maximize" Your Pension

jregenstein — Tue, 24 Aug 2010 12:57:42 +0000

The Creative Way to "Maximize" Your Pension is a post from: Rainstone Financial

The Creative Way to "Maximize" Your Pension is a post from: Rainstone Financial Here’s a move that might prove useful for you and your spouse. Are you wondering how to make the most of your pension? If you’re thinking about which income option to take, maybe it’s time to think outside the box. Here’s why. [...]

Is America Prepared to Retire?

jregenstein — Tue, 24 Aug 2010 12:55:00 +0000

Is America Prepared to Retire? is a post from: Rainstone Financial

Is America Prepared to Retire? is a post from: Rainstone Financial Two-thirds of us have no financial plan. 64% of Americans have no financial strategy at all. That’s right – no plan whatsoever to build wealth or keep it. That finding comes from the 2009 National Consumer Survey on Personal Finance conducted by the Certified [...]

Why People Want Independent Financial Advisors

Joseph Regenstein IV, CMFC — Tue, 24 Aug 2010 12:49:35 +0000

Why People Want Independent Financial Advisors is a post from: Rainstone Financial

Why People Want Independent Financial Advisors is a post from: Rainstone Financial A new perception has taken hold: “independent” is better. Times have changed – and so have financial advisors. Today, people don’t want financial advice from a salesman. Instead, they want a relationship with a financial professional who is candid, trustworthy and thoroughly educated, [...]

Americans Delay Retirement

jregenstein — Tue, 24 Aug 2010 12:38:46 +0000

Americans Delay Retirement is a post from: Rainstone Financial

Americans Delay Retirement is a post from: Rainstone Financial What does it mean for people and companies? Is 70 the new 65? It may be, for many Americans are electing to postpone retirement as an effect of the recent volatility in the financial markets. If 70 is the new 65, some workplace changes are worth [...]

An Important Alert for Solopreneurs, Business Owners and Tax Professionals.

Joseph Regenstein IV, CMFC — Tue, 24 Aug 2010 12:17:08 +0000

An Important Alert for Solopreneurs, Business Owners and Tax Professionals. is a post from: Rainstone Financial

On June 24, 2010, the Florida Supreme Court issued a ruling (Olmstead v. FTC) stating that a single-member LLC does not give its owner limited liability. This is a potentially devastating ruling for small businesses in Florida, with ramifications for small businesses throughout the United States. Solopreneurs routinely use SMLLCs as debtor-protection or home-protection vehicles. Yet in this decision, the state supreme court ruled that a creditor could seize the assets of a SMLLC under Florida state law.

Which Financial Documents Should You Keep On File?

Joseph Regenstein IV, CMFC — Mon, 23 Aug 2010 13:00:39 +0000

Which Financial Documents Should You Keep On File? is a post from: Rainstone Financial

Which Financial Documents Should You Keep On File? is a post from: Rainstone Financial What should you store in one easily accessible place? You might be surprised how many people have financial documents scattered all over the house – on the kitchen table, underneath old newspapers, in the hall closet, in the basement. If this [...]