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Sep
19
Early Retirement Packages
Early Retirement Packages In today's corporate environment, cost cutting, restructuring, and downsizing are the norm, and many employers are offering their employees early retirement packages. But how do you know if the seemingly attractive offer you've received is a good one? By evaluating it carefully to make sure that the offer fits your needs. What's the severance package? Most early retirement offers include a severance package that is based on your annual salary and years of service at the company. For example, your employer might offer you one or two weeks' salary (or even a month's salary) for each year of service. Make sure that the severance package will be enough for you to make the transition to the next phase of your...
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May
16
Retirement Benefits for Same-Sex Married Couples
Retirement Benefits for Same-Sex Married Couples Beneficiary rights If you participate in a 401(k) or similar plan at work, federal law provides that your spouse is automatically the beneficiary of your account in the event of your death. You can name someone else as beneficiary, but only if your spouse agrees in writing (witnessed by a plan representative or notary public). Special rules apply if your plan pays benefits in the form of an annuity. IRAs aren't subject to this federal law, although your state may impose its own, similar requirements. For example, if you live in a community property state, your spouse may have legal rights to your IRA regardless of whether he or she is named as the primary beneficiary. Even...
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 Securities, insurance products, and investment advisory services offered through FSC Securities Corporation, member FINRA/SIPC. Additional insurance services offered through SGM Agency, LLC. Smith, Moses & Company, LLC and SGM Agency LLC are not affiliated with FSC Securities Corp.



This communication is strictly intended for individuals residing in the state(s) of AZ, CA, CO, CT, FL, GA, ID, IL, IN, KY, MA, MI, MO, NH, NY, NC, OH, SC, TN, TX, VA, WA and WV. No offers may be made or accepted from any resident outside the specific states referenced.
 


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