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Past 30 Days

Martin A. Smith
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Recently Answered Questions

January 3, 2023

My portfolio is tanking. Should I stay in the Market?
The stock market is inherently dynamic...

January 2, 2023

Are companies with specific ESG goals a better long-term investment than companies without ESG goals?
There’s evidence that companies may publicly embrace ESG as a way of diverting attention away from poor business performance...

December 31, 2022

What are some long-term needs/questions to consider when purchasing life insurance?
How much will it cost to maintain your family’s standard of living...

December 24, 2022

What are the key differences between Term and Permanent Life Insurance?
Generally, term life insurance is best used to replace the future loss of income of the insured and...

January 27, 2023

How does money that I invest in an annuity grow? What is the growth based on?
Funds invested in an annuity is referred to as “premium payments.” The premium’s growth is based on several factors:

January 26, 2023

Are funds invested in an annuity taxed the same way as funds used to buy stocks or mutual funds?
Most annuities will allow up to 10% free withdrawals per year, beginning on the 2nd anniversary year of the annuity contract...

January 24, 2023

What is the minimum and maximum amount that can be invested in an annuity?
Most annuity contracts have a minimum investment requirement of $15,000 and a maximum of $1 million.

January 22, 2023

How soon am I allowed to withdraw my funds after investing in an annuity?
Most annuities will allow up to 10% free withdrawals per year, beginning on the 2nd anniversary year of the annuity contract...

January 12, 2023

What is the difference between a pre-tax 401(K) and a Roth 401(K)?
A Roth 401(k) works just like a traditional 401(k) with one big difference — contributions are made with after-tax dollars...

December 31, 2022

What happens when I leave my 401(k) with my previous employer
Your money will continue to grow tax-deferred, and you’ll have access to it when you retire at age 59 ½...

January 7, 2023

What does contributing funds on a post-tax basis mean for a Roth 401(k)?
In layman's terms, the Roth 401(k) offers no immediate tax break...

December 29, 2022

Can you convert from a Traditional IRA to a Roth IRA to a traditional IRA?
A Roth IRA conversion cannot be undone. The I.R.S. regards it as a payout from a traditional IRA prior to that money entering a Roth IRA, and the payout represents taxable income

December 29, 2022

How much money can I gift to my grandchildren tax-free per year?
In 2022, you can gift $16,000/per year per person without having to fill out a gift tax form...
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