The Gold IRA Portal https://goldiragold.org The Why, What, & How-To Of Gold Retirement Plans! Tue, 16 Oct 2018 07:15:24 +0000 en hourly 1 https://goldiragold.org/wp-content/uploads/2017/01/cropped-The-Gold-IRA-Portal-Logo-1-32x32.jpg The Gold IRA Portal https://goldiragold.org 32 32 An Impartial Rosland Capital Review https://goldiragold.org/an-impartial-rosland-capital-review/ Tue, 16 Oct 2018 07:15:24 +0000 http://goldiragold.org/?p=8221 Let me start off by saying that Rosland Capital is an American company that is based out of California, they

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Gold IRA Investing Guide

Let me start off by saying that Rosland Capital is an American company that is based out of California, they buy and sell gold silver platinum bars and as well gold and silver coins. This is also one of the few companies that I’ve dealt with that also sell diamonds, they are very flexible in the various investment opportunities that they are offering.

My personal opinion about Rosland Capital

While doing research online I uncovered that Rosland Capital was established in 2005, compared to some of the competitors it is still a relatively new member in the industry, despite this it still has a relatively large and loyal customer base.

Despite this, there have been numerous complaints filed against Rosland Capital most of them seem to complain about the same things, namely high commission fees, and a unsatisfactory buyback program, misleading information, and there are reports of pushy or sometimes even rude customer service people.

What are the Products Available?

The company offers multiple methods for you to invest in. You can invest in gold, platinum, silver, and palladium. It is upon you to decide what the best choice is after obtaining information about the alternatives.

Additionally, the company offers additional options, including coins. The coins include:

  1. 10-ounce Canadian Gold Maple Leaf.
  2. 10-ounce American Gold Eagle.
  3. 10-ounce South African Krugerrand.
  4. 10-ounce American Silver Eagle.

Your choice will depend on what you expect in terms of investment potential and what you can afford. You can acquire the information you need by going to their site or contacting one of their representatives via a toll-free line supplied on the site. This way, you will make the best decision the ideal choice for you.

I liked this About Rosland Capital

  • One of the positive points about Rosland Capital is that the minimum investment is only $1500, whereas some of the competitors it is easily 10 times that amount.
  • They have a nice selection of investment opportunities including diamonds which some of the others operating in the same gold industry do not have.

I did not like this About Rosland Capital

  • They are not rated with the Better Business Bureau
  • They have a relatively poor trust link rating
  • On my last count I saw more than 18 complaints with the business consumer alliance
  • Four complaint reports have been filed with ripoffreport.com
  • Reading the reviews and complaints I detect a sense of overall dissatisfaction from their previous clients. The complaints seem to base around high commission fees, misrepresentation of investments, difficulty resolving issues due to poor customer service, disputes arising around their buyback program which seems to be not documented accurately.
  • Also some of the complaints surround the fee structure. In addition to the administrative fee, annual fee and storage fees, they appear to charge extra transaction fees for each product or account,  this is something that other companies do not do.

Reviews, Ratings and Reports on Rosland Capital

Better Business Bureau

The Better Business Bureau has accredited Rosland Capital on October 1, 2008. Other than that the BBB currently doesn’t show any kind of rating for Rosland capital other than three closed complaints.

Business Consumer Alliance

After doing my research I discovered that Rosland Capital has a AAA rating with the business consumer alliance. This is the highest score attainable.

In total there have been 18 complaints filed against them with the BCA, most of the complaints seem to deal with misleading information, and in accurate assessment, or undervaluation of account holdings. To see exactly what I mean, you can visit the link above and you can peruse it at your own discretion.

TrustLink

Trustlink Rosland Capital also seems to have a relatively low score 3 out of five stars. Most of the comments that immediately jump out at me are complaints about inaccurate advertising, also inaccurate balances in customer accounts, customer service lacking, pushy salespeople, and issues or problems with their buyback program.

Ripoffreport.com

I also visited there ripoff report.com and I placed their name in the search engine I found 4 complaints filed against them, the complaints range from being overcharged, or coins being overpriced or excessive commission rates.

Rosland Capital’s Fee Structure

Judging by the amount of complaints with the BCA, the BBB, Trustlink, Ripoffreport, most of them seem to base around the problem of the inaccurately explained commission fees. These current customers seem to state that there are concealed higher commission fees.

Without being a customer of Rosland Capital I cannot accurately say what the problem is, but from trying to discover and what the customers are saying it seems like Rosland Capital is charging for his trading services one price when the customer signs up, but then later on additional fees are reflected in their account balance presumably unbeknownst to the customer. Usually these type of discrepancies are due to inaccurate documentation, or a lack of informing the customer.

Customer Service

If you take the time and read the reviews yourself, you will probably come to the same conclusion that I have that as far as customer service goes, they seem to be sometimes good, sometimes bad. Many of the complaints circle around overly pushy sales representatives. Under the same token you will read reviews about very satisfied customers, so it seems to be a very hit or miss situation.

I do want to add that despite the fact that there are quite a few complaints issued against Rosland Capital, the company does put effort into trying to resolve them with their current customers.

As a final note anyone who has issues are complaints with Rosland Capital should make effort to contact the company’s compliance officer. Judging by the written reports, they seem to be very good at resolving their complaints efficiently and effectively to the customers satisfaction.

Conclusion

Rosland Capital is still a fairly new company it has gained a lot of popularity just recently, I find that it still needs some time to grow. The company has quite a lot to offer, it has some rather interesting packages as mentioned earlier diamonds as opposed to just precious metals, but there are clearly a large quantity of people that are quite dissatisfied with the Rosland Capital overall performance. Not only that they seem to charge higher prices, and for me the most important of all is the buyback program. They seem to have some questions surrounding this area as well, for this reason I would recommend anyone thinking of considering to do business with Rosland Capital, to perhaps proceed with caution.

Originally posted 2017-01-13 04:17:16.

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Setting Up Your 403b IRA Rollover https://goldiragold.org/setting-403b-ira-rollover/ Mon, 15 Oct 2018 19:03:56 +0000 http://goldiragold.org/?p=8572 First, you’ll need to decide what kind of IRA account you’re going to rollover the money into. For example, if

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First, you’ll need to decide what kind of IRA account you’re going to rollover the money into. For example, if you plan to transfer it into a traditional IRA or SEP IRA rollover plan, there won’t likely be any significant change to the amount of money that you’re moving, as no new taxes will need to be applied. This isn’t the case if you’re moving the money to a Roth IRA.

This is the case because 403b plans – which are only extended to a specific group of people – are treated as qualified plans by the IRS, as the money in the account is contributed before taxes (although, legally, these plans aren’t considered to be qualified under the current tax code).  In a Roth IRA account, the contributions have already been taxed.  If you do a 403b rollover into a Roth IRA, you will have to pay taxes on the amount you roll over.  However, the benefit is that when you need to take money out of the Roth IRA, you won’t have to pay taxes on it, as you will with monies withdrawn from a traditional IRA.

This is just one of the considerations that you need to make when you’re setting up your 403b IRA rollover, and it’s something that you should discuss with your financial advisor.  You’ll also need to decide whether you’re going to do a direct or indirect transfer.  The differences are the way that the money is handled and whether or not taxes are applied.  If you do a direct transfer, the bank takes the money directly from the pre-existing 403b plan and rolls it into a new IRA.  You don’t handle the money and no taxes are imposed (unless you’re going to a Roth plan).

On the other hand, if you decide that you want to do an indirect transfer on your 403b IRA rollover, then the money is taken from the plan and issued to you directly.  However, 20% of the total is withheld from this transfer for taxation purposes.  You have sixty days to deposit the full amount of the check that you received from the 403b plan into a qualified IRA before the IRS considers it to be a withdrawal – not a rollover.  If you do complete the 403b rollover within the appropriate window, the remaining 20% is placed into the account.  Since this usually involves a great deal of hassle, most people opt not to do this when they’re doing an IRA rollover.

Any questions or concerns that you may have about your 403b IRA rollover plan should be taken up with your financial adviser before initiating the transfer so that you can be sure to set up the exact kind of account you want.  When you’re ready to proceed, make sure that you have all of the necessary information in hand so that any problems that arise during the transfer can be resolved easily.

Originally posted 2017-01-12 18:12:59.

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Easy Steps to Initiating a 403b IRA Rollover https://goldiragold.org/easy-steps-to-initiating-a-403b-ira-rollover/ Mon, 15 Oct 2018 18:45:07 +0000 http://goldiragold.org/?p=8568 Let’s review one thing before we get started: You aren’t required to rollover your 403b IRA accounts if you’re moving

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Let’s review one thing before we get started: You aren’t required to rollover your 403b IRA accounts if you’re moving from one job to another. If you’re happy with your 403b, you usually have the option to leave the money where it is without rollover. Changing jobs, however, is a good time to review your financial goals. If you find that you have better options for investing your money, you may want to choose a 403b IRA rollover.

Having decided to rollover your money, take a look at the different target IRA options available to you.  You may have access to different types of IRAs through your employer or you may want to open an account as an individual.  Be aware that money from a 403b IRA can be rolled over to a number of different types of IRAs, with a few exceptions.  Those exceptions include Simple IRAs and Designated Roth accounts.  You can move your money into a standard Roth IRA, but you will be required to pay taxes.  For help sorting through the investment and tax options, you may want to sit down with a financial consultant or tax accountant.

In the case of Roth IRAs, you’ll want to be aware of the distinction that, unlike your 403b IRA, Roth IRAs are funded with after-tax dollars – not pre-tax dollars.  If you’re planning to perform a 403b rollover to a Roth IRA, you’re going to have to pay taxes on that money before it’s contributed to your new account.  Depending on your current tax status, how long you have until you retire, or how much money is involved, this might not be a bad thing.  Again, this is where your financial consultant or tax account can help you choose the best course of action for your retirement goals.

Once you know where your 403b IRA money is going, initiating a rollover is simple – contact the trustee or manager of the new account and ask for a direct rollover.  In the world of 403b IRA rollovers, “direct rollover” is a magic phrase.  It indicates to both the new and old IRA account managers that you’re requesting a transaction that will move your money directly from one account to another, without the money ever passing through your hands.

Because the 403b rollover moves funds directly from one account to another, you avoid the withholding, penalties and taxes that are associated with an indirect rollover.  The trustee or manager of your new account will guide you through the process of initiating the direct rollover.  Usually there will be some documents for you to complete and sign.  And because you initiate your request with the trustee or manager of the new account, you can be assured that the new account is ready to receive the funds.  If it isn’t, the trustee or manager will let you know, and tell you what else has to take place before the rollover can be completed.

When all is said and done, the steps involved in initiating a 403b IRA rollover are fairly simple and straightforward.  First, decide where you want your money to go, and then ask the trustee or the manager of your new account to process a 403b IRA direct rollover.  Once your funds have cleared into the new account, you’re free to invest them however you need to in order to achieve your financial goals.

Originally posted 2017-01-12 18:15:41.

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403b IRA Rollover https://goldiragold.org/403b-ira-rollover/ Mon, 15 Oct 2018 06:26:25 +0000 http://goldiragold.org/?p=8577 Unfortunately – whether or not you want to think about it – retirement planning is a necessary evil, but it’s

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Unfortunately – whether or not you want to think about it – retirement planning is a necessary evil, but it’s one that you need to face.  And it turns out, it doesn’t have to be as difficult as you may have imagined.

Regardless of how long you’ve been in the workplace, you’ve probably got at least one old 401k or 403b account that’s still invested in a former employer’s retirement plan.  Although these funds are still earning interest and growing in these accounts, they could be doing a lot more for you.  Let’s look at how a 403b IRA rollover can simplify and streamline your retirement investing process.

What is a 403b IRA Rollover?

For starters, a 403b account is an employer-sponsored plan offered by educational institutions and other nonprofits that allows you to invest tax-deferred fund for your retirement.  An IRA, on the other hand, is an Individual Retirement Account that you set up and manage on your own.  In a 403b IRA rollover, you instruct your former employer to transfer the funds stored in your old 403b account to your new IRA account – simple as that!

Why Should You Do a 403b Rollover?

If you’re relatively young, you may only have one or two old employer-sponsored retirement accounts.  But if you’ve held several different positions throughout your career, you may have many more than that.  Managing all of these accounts can get complicated, especially since retirement account require occasional re-balancing to ensure they remain in line with your retirement goal.  By performing a 403b rollover to IRA, you’re consolidating these funds into one place, making account maintenance much easier.

Additionally, bear in mind that most employer-sponsored retirement plans offer limited investment options.  Typically, you only have access to the few pre-selected mutual funds your employer chose to make available through the plan.  With a 403b IRA rollover, you have access to many different retirement options, including things like stocks, bonds, exchange traded funds and more.  With more choices, you’ll have a greater potential for profit, as you’ll be able to pick and choose the investments that work best for you.

Another benefit of 403b IRA rollover accounts is that they often offer target retirement date funds, which many traditional 403b account providers have been slow to adopt.  These funds take the stress out of planning for retirement and can be a great option for an account holder that doesn’t want to spend hours researching different investment opportunities.

Basically, when you enroll in one of these funds, you choose the fund that’s set up to mature closest to your desired retirement date.  For example, if you plan to retire in 2030, look for a plan that sets its target date as 2030.  As time goes on, the manager of this fund will automatically adjust the balance of stocks, bonds and funds in your portfolio to ensure that your exposure to risk decreases as you approach your target retirement date.

If you think a 403b IRA rollover may be right for you, consult your financial advisor – he or she can run the numbers to see if this retirement investing approach makes sense for your financial goals.

Originally posted 2017-01-12 18:12:15.

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Common 403b IRA Rollover Mistakes https://goldiragold.org/common-403b-ira-rollover-mistakes/ Mon, 15 Oct 2018 06:26:21 +0000 http://goldiragold.org/?p=8580 Private IRA rollover plans often give you access to more investment opportunities, allowing you to diversify your savings. However, there

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Private IRA rollover plans often give you access to more investment opportunities, allowing you to diversify your savings. However, there are a few things you need to be aware of before setting up your 403b rollover. Let’s look at some of the most common mistakes people make at time of rollover 403b to an IRA:

Inadequate Preparation

One common mistake people make when attempting to roll over money from a 403b IRA rollover into a new IRA is that the new IRA isn’t yet in a position to receive the money.  It’s common to think that if an IRA is offered to you as part of a benefits package from a new employer that the new account is ready to receive funds as soon as you begin employment.  This isn’t necessarily the case.

In fact, the specific definition as to when you have an eligible IRA for a 403b rollover can vary greatly by company.  Before you begin to initiate any rollover, it’s good practice to call the manager of the new account and ask specifically if your account is eligible to receive a rollover.  This term of activation can occur in a relatively short time or over a relatively long time, and will depend entirely on the rules of the individual account.

If the new IRA account isn’t yet ready to receive the funds from your 403b IRA rollover and you begin the rollover process, the manager of your existing account will have little choice but to send the funds to you.  This will mean that the money is considered to have been distributed – not rolled over – and is consequently subject to withholding, penalties and taxes.  This can greatly reduce the overall value of the funds transferred and may create a personal tax burden for that fiscal period.

Poorly Defined 403b Rollover

The next most common mistake is to be unclear as to the kind of rollover that you want.  If you request a 403b IRA rollover and don’t specify that you want a direct rollover, many of the same penalties involved in a distribution of funds may occur, largely negating the advantages of a rollover.  In addition, if you want to salvage any of the tax deferred status of your money, you’ll have a limited window of opportunity in which you can deposit the funds into a retirement account.  Choosing an appropriate retirement savings vehicle can be difficult enough without the added pressure of a time limit.

How to Protect Yourself

The best way to avoid many of these concerns is to follow two simple steps.  First, be sure to contact the manager of the new target IRA (not the manager of your old 403b account or your employee benefits manager) before establishing your 403b rollover.  Second, be sure to use the phrase “direct rollover” when talking to the new account manager.  This will bind the managers of both the new and old accounts to the procedure of directly transferring the money between the accounts, protecting you from any federal tax or penalty liability.

Originally posted 2017-01-12 18:10:37.

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How to Complete a 403b IRA Rollover https://goldiragold.org/how-to-complete-a-403b-ira-rollover/ Sun, 14 Oct 2018 18:23:30 +0000 http://goldiragold.org/?p=8586 How you complete a 403b IRA rollover will be determined by the type of rollover that you’re initiating. In general,

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How you complete a 403b IRA rollover will be determined by the type of rollover that you’re initiating. In general, there are two different types of rollovers – indirect and direct.

The good news is that completing a 403b IRA rollover process is a direct rollover rather straightforward – contact the manager of the account into which the rollover funds will be received (sometimes called the target IRA) and complete the paperwork they give you. The target IRA rollover account manager contacts the manager of your existing IRA, and between the two of them, they complete the 403b IRA rollover. This may take the form of an electronic funds transfer or a check issued to the new account manager; either way, this will be determined between the account managers – you won’t need to be involved in the decision making.

Once the 403b IRA rollover has been completed, you can expect to receive a notice that your funds have been transferred; a copy of this notice is also sent to the IRS.  Please note that 403b rollovers are reportable events, although they aren’t considered to be taxable events.  This means that the IRS will receive a record that the transaction took place, but that you won’t be required to pay taxes on the funds that were moved from one IRA to another.

If completing a direct rollover is rather straightforward, completing an indirect rollover is just the opposite.  First you have to request an indirect rollover from the manager of your existing 403b IRA.  One of the first things to happen when you place an indirect rollover request is that the fund manager will calculate 20 percent of the value of the amount requested and withhold that money to be delivered to the IRS.  You will receive the rest of the amount requested as a check.

As soon as you receive the requested amount, the clock starts ticking.  You have 60 days to put part or all of that money into a new IRA.  Unless you have an extension in writing from the IRS, expect to pay significant taxes and penalties on that money if you still have it on day 61.  When you deposit the money into a new IRA, there will be forms for you to complete, and the usual notices will go out to all involved parties, including the IRS.  The greater the amount of your money you keep from this withdrawal, the greater your tax burden will be.  For this reason, you should seriously consider the consequences before choosing to keep any of these funds rather than depositing them into a new IRA.

As you can see, the process of completing an indirect rollover is much more involved and fraught with the potential for an increased tax burden – not to mention the money you’ll lose to withholding.  While it’s true that all of the money remains yours, having a direct transfer of funds through a 403b rollover maximizes your tax deferment strategy by working with the rules established by the IRS.  Unless there’s a compelling reason against it, be sure to choose a direct rollover for your 403b IRA rollover.

Originally posted 2017-01-12 18:09:47.

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Are You Eligible for a 403b IRA Rollover? https://goldiragold.org/eligible-403b-ira-rollover/ Sun, 14 Oct 2018 06:06:42 +0000 http://goldiragold.org/?p=8588 If you’re thinking about performing a 403b IRA rollover to a new IRA, there are a few things that you’ll

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If you’re thinking about performing a 403b IRA rollover to a new IRA, there are a few things that you’ll want to keep in mind when rollover your IRA. As you’ll soon learn there are some special considerations that will make rollover process easier and help to maintain the tax deferred status of your money.

In all rollover matters, know that like can accept money from like.  In short, moving money between two 403b IRAs is the easiest course of action, although you’ll have to have two separate accounts in order to complete the transaction.  In addition, traditional IRAs, 457(b) plans and SEP IRAs can receive funds from a 403b rollover without penalty.  Check with the manager of the target IRA to get all the details you need about how to setup these accounts.

If the target IRA is a Roth IRA, know that it can accept a 403b IRA rollover, although you’ll be required to pay taxes on any money you move into the new account.  This is because contributions made to 403b accounts are made with pre-tax money, but funds in Roth accounts come from after-tax contributions.  If you choose to move your money out of a tax-deferred account (like a 403b), rest assured that the government will want to get its piece of the pie.  In addition, be sure that the new account is not a Designated Roth account; these are very different from Roth accounts and the 403b IRA rollover rules reflect that difference.

Another big exception to your 403b IRA rollover options is a Simple IRA, which cannot accept a rollover from a 403b.  But there is a much more common reason that you – and your account – won’t be eligible for a 403b IRA rollover.  This situation is tied to the reason that most people want to perform retirement account rollovers in the first place – your benefits eligibility at a new job.

When you change jobs, part of your benefits package is often a new IRA.  The management of this new account may have a better track record for customer service or a better yield over the last five years than your current 403b IRA account.  In addition, you may also want to consolidate all your investments under one roof to take advantage of easier management.

Any one – or all – of these reasons is enough for you to consider a 403b IRA rollover.  Just don’t make the mistake of assuming that the new IRA is active and ready to go from the start of your employment.  The rules of each company’s retirement plans are different, and your new account may not be fully active when you think it is.  Fortunately, it’s a simple matter to check on this.  A call to the manager of the new IRA will confirm the status of your new IRA and let you know whether or not it’s ready for a 403b IRA rollover.

If you don’t confirm this eligibility, you run the risk of opening yourself up to withholding, penalties, and taxes for the fiscal period in which the mistaken transfer attempt occurs.  A mistake in the rollover can cause the money to be reclassified as a withdrawal, which negates the whole purpose of the retirement account in the first place.  Take care to ensure that your new account is ready for your 403b IRA rollover and you’ll avoid this nasty situation entirely.

Originally posted 2017-01-12 18:07:37.

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When Does a 403b IRA Rollover Make Sense? https://goldiragold.org/403b-ira-rollover-make-sense/ Sun, 14 Oct 2018 06:03:51 +0000 http://goldiragold.org/?p=8584 As you perform your annual financial review, you may want to consider rollover of money from your current 403b IRA

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As you perform your annual financial review, you may want to consider rollover of money from your current 403b IRA to another retirement account. There are as many reasons to do a rollover as there are account holders, but there are a few generalities that can guide you as you make your decisions about performing a 403b IRA rollover.

First, has there been a change in your employment status?  One of the most common reasons to consider a 403b IRA rollover is that you have access to a new IRA that’s a better fit for your investments.  Perhaps you have a new job that offers a more advantageous retirement savings plan or one which will match any contributions you rollover into the new account.  Or perhaps you’re eligible to open a private IRA with a brokerage firm that offers a greater number of investment opportunities or a higher rate of return.  You’ll need to carefully assess the performance of both your existing 403b account and the potential target account before initiating a 403b IRA rollover.

Next, you should consider your long term investment goals.  Would it be a good idea to have all your money in one account, or is having parallel investments a better choice for you?   A good way to approach this decision is to think about how close you are to cashing out your accounts.  If that possibility is relatively far away, then having more than one account may be fine for you.  But if you’re within, say five years of retirement, then consolidating the money into your best performing account may be a better choice for you.

Of course, you also need to consider what kind of IRA your potential target IRA is and whether or not it can accept your 403b IRA rollover.  For example, there are a few different types of accounts that cannot accept rollovers from a 403b, including a Simple IRA or a Designated Roth IRA.  If you have one of those, then these considerations become a moot point.  If, on the other hand, your new account can accept the rollover, then you can move on to the final point – the performance of both accounts.

Take some time to compare the performance of both the new IRA and the existing 403b.  How do the rates of return measure up?  Of course, return on investments alone isn’t enough to choose one account over the other, as performance is more complex than that.  You should also consider whether their investment strategies are in line with what you want for your money.  Higher risk investments may be fine if you’re just starting to save for retirement, but you’ll want to take a more modest approach if you’re nearing retirement.  If the new account seems to outshine your existing 403b, it may be time to perform a 403b IRA rollover.

Finally, don’t forget customer service.  This is an important part of what you’re paying for, after all.  Have the managers of your old 403b been hard to contact and slow to fulfill your orders?  If so, a 403b rollover may be a good choice for you.  Ask around about the how the new account has treated its account holders.  Satisfied clients will be more than happy to provide you with references upon request.

Originally posted 2017-01-12 18:07:11.

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403b IRA Rollover Considerations https://goldiragold.org/403b-ira-rollover-considerations/ Sun, 14 Oct 2018 05:48:16 +0000 http://goldiragold.org/?p=8562 In general, 403b accounts have a relatively limited membership base.  If you’re lucky enough to be part of a nonprofit

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In general, 403b accounts have a relatively limited membership base.  If you’re lucky enough to be part of a nonprofit or if you were hired by an educational organization, you’ll be eligible to participate in this type of retirement account.  However, if you leave a 403b eligible position and want to take your savings with you, there are few things you need to consider before initiating a 403b rollover.

The first thing you should consider is whether or not you can rollover money to or from your 403b.  The general rule to keep in mind when it comes to any IRA rollover is that like can accept like – meaning that you’ll have little trouble rolling money from a old 403b into a new one.  As the funds in a 403b are typically tax-deferred, it’s also relatively little trouble to perform a 403b IRA rollover to any other type of tax-deferred IRA.  In addition, there have been some relatively recent additions to the tax code that allow you to perform a 403b rollover to a Roth IRA.  Always check with your friendly neighborhood financial professional about the specifics of 403b rollovers before initiating your transfer.

Generally speaking, you’ll want to rollover money from your 403b when it’s most advantageous for you and your long term investment goals.  These kinds of changes in a financial strategy usually come about after there’s been some change in your life.  A new job it is the most common reason to perform a 403b rollover, but it could be something as simple as growing older.  In any event, rolling over money is something that should never be taken lightly.

Let’s say you do have a new job and your new employer has a much better retirement account, with stronger management and an investment strategy that’s more in line with your retirement goals.  This is a perfect reason to do a 403b rollover.  On the other hand, let’s say you’ve grown older and your retirement date looms large.  You’re going to want to make changes to your investment strategy in order to minimize risk and ensure that your savings will still be around when you need them.  After all, at this point, the money invested is going to be in the accounts for a smaller time frame than when you first began your career.  You’ll want an investment account that reflects this reality.

Even if you aren’t starting a job or nearing retirement age, there are still several compelling reasons to perform a 403b IRA rollover on any funds you have sitting around from old employers.  Are your accounts earning the best possible rate of return?  If not, consider a privately held IRA, which typically offers many more investment options than employer-sponsored 403b accounts.  Or are you comfortable managing funds that are stored in many different accounts?  If not, a 403b rollover can be a great way to consolidate your retirement savings.

The main thing to consider is that 403b rollovers have to support your overall retirement investment strategy.  It is your money, after all, and it should be handled in the way that best serves both your intentions and your needs.  Keeping this in mind, along with a basic familiarity of the IRS rules regarding 403b rollovers, you’ll be able to play an active role in the management of each of your investments.

Originally posted 2017-01-12 17:59:00.

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Lear Capital – An Impartial Review https://goldiragold.org/lear-capital-an-impartial-review/ Sat, 13 Oct 2018 17:39:10 +0000 http://goldiragold.org/?p=8166 For the past 17 years, Lear Capital has been on the cutting edge of the precious metal market helping customers

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Lear Capital - An Impartial ReviewFor the past 17 years, Lear Capital has been on the cutting edge of the precious metal market helping customers diversify their portfolio in numerous ways. Based in Los Angeles, California, the company can help you purchase physical gold, bullion, and rare coins, and helps you open and administer an Individual Retirement Account (IRA). This Lear Capital evaluation gives you a lowdown on the organization and lets you know what to expect when you do business with them.

The business presents a number of precious metals such as gold, silver, platinum, and palladium. The gold and silver bullion bars offered are .999+ fine, which means you can look forward to top value for your investment.

In addition to this, the business offers gold and silver coins. The best sellers in this category comprise:

Gold coins:

  1. British sovereign.
  2. American Gold Eagle.
  3. Austrian Philharmonic.
  4. Canadian maple Leaf.
  5. Gold Polar bear.

Silver Coins:

  1. Silver American Eagle.
  2. Silver Round.
  3. Silver Canadian Maple Leaf.

Buying Precious Metals from Lear Capital

You can purchase the metals you need directly from the company’s website. Internet purchases get investors free shipping on orders $10,000 and above. The business has a clear directive on the way the shipping of purchases is handled. This directive is spelled out in a Shipping and Transaction Agreement found on the website. The agreement lets you know precisely how your purchase will be delivered.

Prior to purchasing the precious metals you have identified, you can assess a number of free information resources supplied on the website. These include free guides as well as newsletters obtainable in both soft and hard copy. No need to rely upon hearsay before investing — all the information you need easily available.

The complete process culminates with a written account agreement, a list in writing of the metals you have bought, and a phone confirmation as well. Those represent a review of the investment you have just made the company.

The Lear Capital Buy-Back Program

This company allows you to sell the metals you have purchased at the ongoing market cost. The facts about the program are contained in the Shipping and Transaction Agreement. The goal of the information is to tell you what you need to know when you opt for selling the precious metals you invested in.

When it is time to convert your investment into cash, you can locate the prices on the company’s site. The business lists the prices in accordance with the current market value on their site in trading hours. That information is crucial in determining the your investment’s current worth.

You can find more information regarding the rates by phoning company representatives during working hours. That way you can learn the latest on any alterations in the rates and begin the process of selling your precious metals.

This Lear Capital review will only be complete with the mention of the desktop widget developed by the company. This widget enables you to monitor rates real time from your computer or from your smartphone. This widget is free for download.

Customer Service

The business enterprise offers you various means by which you can get the help you need. Clients can connect with the customer representatives via toll-free telephone line or email. Those are ideal avenues to find out more about the business as well as get assistance with your account. Customer care services are available Monday through Friday from 9:00 a.m. to 6.00 p.m. Pacific time.

One of the great features of the company is the fact that you will be assigned a personal account adviser. The professional has the role of keeping you updated on the most recent changes to your account, ongoing economic events, and the way the changes can have an impact on your financial future.

Lear Capital IRA Account

You might choose to hold your investment in an IRA account established with this organization. You can start setting up the account from the company’s site, which is convenient.

Once you open the account, you can either obtain the metals by means of Lear Capital or choose to transfer property held in another IRA account. You are eligible for a $250 bonus if you transfer a portion or all of your assets from another account to the one started with Lear Capital. However, you are only eligible for the bonus if you transfer precious metals worth $5,000 or more.

Lear Capital Rankings

Before you buy precious metals from any company, take some time to evaluate the ratings given the organization by reliable consumer review websites on the market. Here is how some of these authorities rank Lear Capital:

The Better Business Bureau (BBB)

The BBB gives the company an A+ rating. However, the business has received 18 complaints since March 1, 2013. The complaints emanate from:

  1. Blown up advertising.
  2. Instances of wrong deliveries.
  3. Wrong billing.
  4. Problems with collection.
  5. High-priced processing charges.

TrustLink

The organization has acquired 4 stars out of a possible 5 stars from TrustLink. The ranking is a result of 179 reviews currently published on the website about the company.

The Business Consumer Alliance (BCA)

The organization has awarded Lear Capital a rating of AAA, meaning it is a reliable firm that you can trust with your investment. Nonetheless, the consumer watchdog has reported 47 complaints against the business in the last 3 years.

Review Details

  • AAA
  • 44
  • A+
  • 20

Originally posted 2017-01-12 16:56:52.

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