Financial Institutions Research Series. College Savings Market: The Continuing Emergence of 529 College Savings Plans. (Table of Contents)
|
|
|
- Thomasine O’Neal’
- 5 years ago
- Views:
Transcription
1 Financial Institutions Research Series College Savings Market: The Continuing Emergence of 529 College Savings Plans (Table of Contents) November 16, 2017
2 TABLE OF CONTENTS College Savings Market Evolution Key Driving Factors... Number of College Students Decling... Foreign Students Being Limited... State Funding Shrinking... Tuition Rates Rising... Leading Colleges Evolving... Financial Aid Becoming Increasingly Complicated... Grants... Scholarships... Work Study Awards... Student Loans... Student Loans Defaults Rising... For Profits Colleges Criticized... College Marjors & Career Choices Evolving... College Majors... Career Choices... Market History... Haphazard Phase... Coverdell Educational Savings Accounts Phase College Savings Plans Introduction Phase College Savings Plans Maturation Phase... Market Growth... Financial Services Firms... Clients Net New... Assets Under Management... Net Flows... Revenues... Net Profits... Market Definition... Taxable... Uniform Gifts to Minors Act (UGMA) & Uniform Transfers to Minors Act (UTMA) Custodial... Coverdell Educational Savings Accounts College Savings Plans & State Pre-Paid Tuition Programs... Leading College Savings Market Managers... Clients Net New... Assets Under Management... Net Flows... Revenues... Net Profits... College Savings Market Products Taxable College Savings Market 2 Tiburon Strategic Advisors, LLC
3 Market Growth Leading Taxable Account Managers... Market Segments... Bank... Mutual Funds... College Savings Bonds... Zero Coupon Municipal Bonds... Markets & Distribution Channels... Direct Distribution... Net Profits... Financial Advisor Markets... Financial Advisors... Net Profits... Taxable Accounts Future Predictions... Steady Growth in Taxable Accounts... Financial Services Firms... Clients Net New Accounts... Assets Under Management College Savings Market 3 Tiburon Strategic Advisors, LLC
4 Net Flows... Revenues... Net Profits... Savvier Uses of Individual Retirement Accounts (IRAs) & Roth Individual Retirement Accounts (IRAs)... Sub-Prediction #1... Sub-Prediction #2... Uniform Gifts to Minors Act (UGMA) & Uniform Transfers to Minors Act (UTMA) Custodial... Market History... Emergence Phase... Decline Phase... Market Growth Leading Uniform Gifts to Minors Act (UGMA) & Uniform Transfers to Minors Act (UTMA) Custodial Account Managers... Market Segments... Uniform Gifts to Minors Act (UGMA) Custodial Accounts... Market Growth... Financial Services Firms... Clients... Accounts.... Assets Under Management... Net Flows... Revenues... Net Profits... Leading Uniform Gifts to Minors Act (UGMA) Custodial Account Managers... Clients... Accounts.... Assets Under Management... Net Flows... Revenues... Net Profits... Uniform Transfers to Minors Act (UTMA) Custodial Accounts College Savings Market 4 Tiburon Strategic Advisors, LLC
5 Market Growth... Financial Services Firms... Clients... Accounts.... Assets Under Management... Net Flows... Revenues... Net Profits... Leading Uniform Transfers to Minors Act (UTMA) Custodial Account Managers... Clients... Accounts.... Assets Under Management... Net Flows... Revenues... Net Profits... Markets & Distribution Channels... Direct Distribution... Net Profits... Financial Advisor Markets... Financial Advisors... Net Profits... Uniform Gifts to Minors Act (UGMA) & Uniform Transfers to Minors Act (UTMA) Custodial Accounts Future Predictions... Moderate Growth in Uniform Gifts to Minors Act (UGMA) & Uniform Transfers to Minors Act (UTMA) Custodial Accounts... Financial Services Firms... Clients Net New Accounts... Assets Under Management... Net Flows... Revenues College Savings Market 5 Tiburon Strategic Advisors, LLC
6 Net Profits... Ongoing Position as Supplemental College Savings & Wealth Transfer Vehicle for High Net Worth Families... College Savings... Wealth Transfer... Coverdell Educational Savings Accounts... Market History... Emergence Phase... Steady Phase... Decline Phase... Market Growth Leading Coverdell Educational Savings Accounts Managers... Market Segments... Segment #1... Segment #2... Markets & Distribution Channels... Direct Distribution... Net Profits... Financial Advisor Markets... Financial Advisors College Savings Market 6 Tiburon Strategic Advisors, LLC
7 Net Profits... Coverdell Education Savings Accounts Future Predictions... Limited Growth in the Coverdell Education Savings Accounts... Financial Services Firms... Clients Net New Accounts... Assets Under Management... Net Flows... Revenues... Net Profits... Elimination of Coverdell Educational Savings Accounts... Sub-Prediction #1... Sub-Prediction # College Savings Plans & State Pre-Paid Tuition Programs... Market History... State Pre-Paid Tuition Plans Emergence Phase College Savings Plans Introduction Phase College Savings Plans Growth Phase College Savings Plans Maturation Phase... Market Growth... State Sponsors... Plan Managers Leading 529 College Savings Plans & State Pre-Paid Tuition Programs Market Sponsors Leading 529 College Savings Plans & State Pre-Paid Tuition Programs Market Managers College Savings Market 7 Tiburon Strategic Advisors, LLC
8 Market Segments College Savings Plans... Market Growth... State Sponsors... Plan Managers Average Assets Under Management Leading 529 College Savings Plan Managers Market Segments... Direct Distribution... Market Growth... State Sponsors... Plan Managers... Plans... Clients... Accounts... Net New Accounts... Assets Under Management... Net Flows... Revenues... Net Profits... Leading 529 College Savings Direct Distribution Plan Managers... State Sponsors... Plan Managers... Plans... Clients... Accounts... Net New Accounts... Assets Under Management... Net Flows... Revenues... Net Profits... Financial Advisors Sold... Market Growth... State Sponsors College Savings Market 8 Tiburon Strategic Advisors, LLC
9 Plan Managers... Plans... Clients... Accounts... Net New Accounts... Assets Under Management... Net Flows... Revenues... Net Profits... Leading 529 College Savings Financial Advisor Sold Plan Managers... Plans... Clients... Accounts... Net New Accounts... Assets Under Management... Net Flows... Revenues... Net Profits... State Pre-Paid Tuition Plans State Sponsors... Plan Managers Average Assets Under Management Leading State Pre-Paid Tuition Programs Average Assets Under Management Market Segments... Segment #1... Segment # College Savings Plans & State Pre-Paid Tuition Programs Future Predictions Substantial Growth in 529 College Savings Plans College Savings Market 9 Tiburon Strategic Advisors, LLC
10 ... Growth in Exhange Traded Funds (ETF)-Based Plans... Plans by Investment Product... Accounts by Investment Product... Net New Accounts by Investment Product... Assets Under Management by Investment Product... Net Flows by Investment Product... Revenues by Investment Product... Net Profits by Investment Product... Growth in Direct Sold Plans... Plans by Distribution Method... Accounts by Distribution Method... Net New Accounts by Distribution Method... Assets Under Management by Distribution Method... Net Flows by Distribution Method... Revenues by Distribution Method... Net Profits by Distribution Method... Continuing Fee Pressure... Continuing Fee Pressure... Sub-Prediction #2... Emergence of 529 College Savings Plan Comparison Tools... Financial Research Corporation... Kiplinger s Personal Finance... Morningstar... Savings for College.Com... Decline in State Pre-Paid Tuition Programs... State Sponsors... Plan Managers College Savings Market Future Predictions Growth in the College Savings Market... Financial Services Firms... Clients Net New... Assets Under Management... Net Flows... Revenues... Net Profits... Continuing Emergence of 529 College Savings Plans... Clients by College Savings Market Product... Accounts by College Savings Market Product College Savings Market 10 Tiburon Strategic Advisors, LLC
11 Net New Accounts by College Savings Market Product... Assets Under Management by College Savings Market Product... Net Flows by College Savings Market Product... Revenues by College Savings Market Product... Net Profits by College Savings Market Product... Collape of Coverdell Educational Savings Accounts into 529 College Savings... Sub-Prediction #1... Sub-Prediction # College Savings Market 11 Tiburon Strategic Advisors, LLC
Financial Institutions Research Series
Financial Institutions Research Series Wealth Management Services: Capturing the Highlights of a Wide Variety of Other Financial Products & Services (Table of Contents) January 15, 2015 TABLE OF CONTENTS
Invest In Your Kids!
Invest In Your Kids! Do you want to set your kids up for success in life? Invest in them! Join AAFMAA Wealth Management & Trust for a 30-minute discussion of how investments in college education pay off,
Tax Advantaged Education Savings Options
Tax Advantaged Education Savings Options Overview Saving for college education can be an intimidating undertaking for many parents who may be inexperienced with tax laws, and unsure how to balance their
Tax Advantaged Education Savings Options
Tax Advantaged Education Savings Options Overview Saving for college education can be an intimidating undertaking for many parents who may be inexperienced with tax laws, and unsure how to balance their
Custodial Accounts (UGMA/UTMA) Distributions used to pay for qualified. Considered a student asset, generally assessed at 20%. education expenses
There are many choices for you to consider when charting your child's course to college. The option you choose depends on how many years you have to save, your overall financial goals and your investment
COMPARE. A guide to education savings options INVESTMENT PRODUCTS: NOT FDIC INSURED NO BANK GUARANTEE MAY LOSE VALUE
COMPARE A guide to education savings options INVESTMENT PRODUCTS: NOT FDIC INSURED NO BANK GUARANTEE MAY LOSE VALUE Comparison of selected college savings options (Based on 2017 limits) Description Who
Help for pursuing your financial goals
Help for pursuing your financial goals Pursuing financial well-being TIAA can help hat does success look like for you? On the following pages, you can learn about some of TIAA s products and services,
Giving to Minors. Wealth Planning General. Overview. Outright Gift. Advantages:
Giving to Minors Wealth Planning 2017 General If properly structured, gifts to a child or for his or her benefit can qualify for the annual exclusion and remove the property gifted and all future income
Coverdell Education Savings Account (CESA or ESA) Distributions used to pay for qualified education expenses. Custodial Accounts (UGMA/UTMA)
There are many choices for you to consider when charting your child's course to college. The option you choose depends on how many years you have to save, your overall financial goals and your investment
EDUCATIONAL SAVINGS OPTIONS COMPARISON
EDUCATIONAL SAVINGS OPTIONS COMPARISON January 17, 2013 SCHOLARSHARE COVERDELL ESA ROTH IRA TRADITIONAL IRA SAVINGS BONDS GIFTS TO CHILDREN SUMMARY OF THE OPTION ScholarShare is a college savings program
529 best practices One-hour presentation
One-hour presentation For broker/dealer or institutional use only. It has not been filed with FINRA and may not be shown, quoted to, or used with, members of the general public. 705249 (03/17) 7H2B/1836989
How to Save for the Rising Costs of College
How to Save for the Rising Costs of College Today s Topics Understand the importance and value of saving for college Learn about different ways to save for college Explore the benefits of a 529 plan like
The Schwab 529 Education Savings Plan. Rely on Schwab s expertise to help you plan for future education expenses.
The Schwab 529 Education Savings Plan Rely on Schwab s expertise to help you plan for future education expenses. Saving for college or other education expenses: A 529 plan is essential Tuition, fees, books,
NJBEST 529 COLLEGE SAVINGS PLAN NEW JERSEY
TURN A DREAM INTO A DEGREE INVESTOR HANDBOOK December 31, 2016 NJBEST 529 COLLEGE SAVINGS PLAN NEW JERSEY For Account Owners who are, or whose Beneficiaries are, Residents of New Jersey Investing in the
TAX FACTS AND TABLES at a glance
TAX FACTS AND TABLES 2013 at a glance Are you making smart investment decisions that can help Reduce your taxes The first step in reducing the amount of tax you pay on your investments is to get the facts.
New York s 529 Advisor-Guided College Savings Program
NOT FDIC INSURED NO BANK, STATE OR FEDERAL GUARANTEE MAY LOSE VALUE Program manager Ascensus Broker Dealer Services, Inc. Investment manager J.P. Morgan Investment Management Inc. August 2014 New York
CollegeAmerica 529 College Savings Plan. Invest in their future.
CollegeAmerica 529 College Savings Plan Invest in their future. Among Morningstar s highly rated advisorsold 529 college savings plans since 2004, the year they began issuing ratings. 3 Tax advantages
Your financial goals
Your financial goals Retirement goal Age to retire: Life expectancy: Retirement Living Expenses: Enter living expenses for the following retirement periods: Expense Period 1 Client retired/co-client working
How to go from here. to there. Enrollment Materials.
How to go from here Enrollment Materials to there. 2 What you might need. Public Colleges One-Year $50,000 $40,000 $30,000 $20,000 $10,000 $0 $16,140 2010 11 $44,645 2028 Private One-Year Not-for-Profit
For investors seeking professional asset allocation based on a combination of quantitative and qualitative market analysis.
Mutual Funds Prospectus December 16, 2011 Nuveen Asset Allocation Funds For investors seeking professional asset allocation based on a combination of quantitative and qualitative market analysis. Class
Saving for soaring college costs
Giving children and grandchildren the opportunity of a lifetime Saving for soaring college costs Whether your children or grandchildren are toddlers or teenagers, it s only a matter of a time before they
Invest in their future
Putnam 529 for America Invest in their future DAVID KEELY, Financial Advisor 858-255-9967 VALIC AIG David.keely@valic.com College costs rising at a pace faster than inflation Tuition 60% CPI 41% Source:
The Schwab 529 College Savings Plan. Rely on Schwab s expertise to help you plan for a child s college education.
The Schwab 529 College Savings Plan Rely on Schwab s expertise to help you plan for a child s college education. Saving for college: A 529 plan is essential Tuition, fees, books, room and board. It all
Start small. Dream big.
COLLEGE SAVINGS Start small. Dream big. Administered by Nevada State Treasurer The SSGA Upromise 529 Plan Makes college savings easy and affordable Convenient, low-fee plan Tax-advantaged investing 1 Flexible
LoneStar 529 Plan. Imagine the Possibilities
LoneStar 529 Plan Imagine the Possibilities Table of Contents Big Dreams Take Smart Planning...1 The Potential Benefits of the LoneStar 529 Plan...2 Tailored Investments from Industry Leaders...5 Compare
Financial Aid and Scholarships Office Independent Verification Form
Financial Aid and Scholarships Office 2017-18 Independent Verification Form Student Name Student ID Number (required) Your financial aid application for the 2017 18 academic year has been selected for
Invest in Their Future.
CollegeAmerica 9 College Savings Plan June 0, 0 Invest in Their Future. SM A college education can play a crucial part in a loved one s longterm happiness and financial security. College graduates earn
Investment Professional Profile
Investment Professional Profile HELP CLIENTS SAVE FOR THE RISING COSTS OF COLLEGE The Bright Directions Advisor-Guided 529 College Savings Plan helps Illinois families save for the rising costs of college.
ESTATE & TRUST PLANNING FOR EDUCATIONAL EXPENSES
ESTATE & TRUST PLANNING FOR EDUCATIONAL EXPENSES First Run Broadcast: February 27, 2018 1:00 p.m. E.T./12:00 p.m. C.T./11:00 a.m. M.T./10:00 a.m. P.T. (60 minutes) This program will provide you with a
SPECIAL CIRCUMSTANCES APPLICATION
SPECIAL CIRCUMSTANCES APPLICATION Lima Christian School Special Circumstances Fund FAQ Answer: Answer: Who can apply for Special Circumstance Funds? Anyone who is in need of tuition assistance due to family
Education Module. James P. Conway and Cathy Conway Prepared by Tom Clancy
Education Module James P. Conway and Cathy Conway Prepared by Tom Clancy 12/3/2009 Mr. Conway and Mrs. Conway Dear James P., I have prepared this report for you based on what you ve told me about your
NJBEST 529 COLLEGE SAVINGS PLAN
NJBEST 529 COLLEGE SAVINGS PLAN OFFERED BY THE NEW JERSEY HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY 1 Portfolio Composition as of September 30, 2017 Age-Based Conservative Asset Allocation 2 Newborn
BlackRock CollegeAdvantage 529 Plan Sponsor: Ohio Tuition Trust Authority. Program Description and Participation Agreement March 4, 2013
BlackRock CollegeAdvantage 529 Plan Sponsor: Ohio Tuition Trust Authority Program Description and Participation Agreement March 4, 2013 In this booklet The BlackRock CollegeAdvantage 529 Plan Highlights
Financial Aid and Scholarships Office FVFD Verification Dependent Student
FVFD 050418 LP Financial Aid and Scholarships Office 2018 19 FVFD Verification Dependent Name ID Number (required) Your financial aid application for the 2018 19 academic year has been selected for a process
Verification - Independent Student
FVFI 50418 LP Financial Aid and Scholarships Office 2018 19 FVFI Verification - Independent Student Student Name Student ID Number (required) Your financial aid application for the 2018 19 academic year
Money Management. Making the Most of Your Financial Future. Waddell & Reed (03/10) Waddell & Reed, Inc (03/10)
Money Management Making the Most of Your Financial Future Waddell & Reed, Inc. 10675 (03/10) What We ll Do Today Time is Money. What s important about money to you? Where does your money go? Your cash
MFS Investment Management MFS 529 SAVINGS PLAN
MFS Investment Management MFS 529 SAVINGS PLAN Participant Agreement and Disclosure Statement MFS 529 SAVINGS PLAN Supplement No. 2 January 16, 2018 for Participant Agreement and Disclosure Statement dated
Financial Aid and Scholarships Office Dependent Verification Form
Financial Aid and Scholarships Office 2017-18 Dependent Verification Form Name ID Number (required) Your financial aid application for the 2017 18 academic year has been selected for a process called Verification.
BRIGHT DIRECTIONS 529 COLLEGE SAVINGS PROGRAM
BRIGHT DIRECTIONS 529 COLLEGE SAVINGS PROGRAM Program Disclosure Statement & Participation Agreement November 15, 2015 Northern Trust Securities, Inc. Trustee & Administrator Distributor Program Manager
Financial Advisor Program, October 2012 Program Description. Future Scholar. The Columbia Management Future Scholar 529 College Savings Plan
Future Scholar 529 College Savings Plan The Columbia Management Future Scholar 529 College Savings Plan Persons having questions concerning the Future Scholar 529 College Savings Plan (the Program ), including
MFS Investment Management MFS 529 SAVINGS PLAN
MFS Investment Management MFS 529 SAVINGS PLAN Participant Agreement and Disclosure Statement MFS 529 SAVINGS PLAN Supplement No. 1 November 18, 2017 for Participant Agreement and Disclosure Statement
U.S. Global Investors Mutual Funds-Forms 1099R and 1099Q Guide for Tax Year 2009
U.S. Global Investors Funds U.S. Global Investors Mutual Funds-Forms 1099R and 1099Q Guide for Tax Year 2009 U.S. Global Investors is committed to providing accuracy in reporting tax information related
Program Disclosure Statement & Account Agreement
Program Disclosure Statement & Account Agreement OFFERED BY THE STATE OF ALABAMA DISTRIBUTOR UBT 529 SERVICES, A DIVISION OF PROGRAM MANAGER The Program is intended to be used only to save for future educational
901 East Cary Street, Suite 1100, Richmond, VA
2017 Tax Planning & Reference Guide The 2017 Tax Planning & Reference Guide is designed as a reference and is not intended to function as tax advice. Please consult your professional accounting advisor
P R O G R A M D E S C R I P T I O N M A S T E R A G R E E M E N T
Virginia Education Savings Trust SM Virginia Prepaid Education Program SM P R O G R A M D E S C R I P T I O N M A S T E R A G R E E M E N T As of December 1, 2010 As of December 1, 2007 This Program Description
FRANKLIN TEMPLETON 529 COLLEGE SAV INGS PLAN
FRANKLIN TEMPLETON 529 COLLEGE SAV INGS PLAN Offered Nationwide by the New Jersey Higher Education Student Assistance Authority 1 College Savings Age-Based Conservative Asset Allocation 2 Newborn 8 Years
Tomorrow s Scholar 529 Plan
Tomorrow s Scholar 529 Plan Investor Guide... connecting to the future Investment options customizable to your needs A flexible and tax-advantaged way to save for college Potential advantages over other
Tomorrow s Scholar 529 Plan
Tomorrow s Scholar 529 Plan Investor Guide... connecting to the future Investment options customizable to your needs A flexible and tax-advantaged way to save for college Potential advantages over other
Michigan 529 Advisor Plan Disclosure Booklet and Participation Agreement
Michigan 529 Advisor Plan Disclosure Booklet and Participation Agreement Program Sponsor: The Michigan Department of Treasury Program Manager: TIAA-CREF Tuition Financing, Inc. Distributor: Nuveen Securities,
Quick Reference Tax Guide
Tax numbers to know Hard to think about taxes? We make it easier. Taxable income. Capital gains. Education savings. Retirement planning. They re all different. Which means when it comes to taxes, there
FEATURE 529 PLAN UGMA/UTMA COVERDELL SAVINGS ACCOUNT. No Limit. As state law permits. No Restrictions. Funds must be used for the benefit of the minor
1/11/2016 Reports > The Right Savings Plan The Right Savings Plan When you begin to consider an educational savings plan, it is important to understand the options available to you. A financial professional
TD Ameritrade 529 College Savings Plan. Program Disclosure Statement and Participation Agreement April 29, 2016
TD Ameritrade 529 College Savings Plan Program Disclosure Statement and Participation Agreement April 29, 2016 Use of this Program Disclosure Statement This Program Disclosure Statement is for use by persons
January 1, 2018 Supplement to Bright Directions Advisor-Guided 529 College Savings Program November 6, 2017 Program Disclosure Statement
January 1, 2018 Supplement to Bright Directions Advisor-Guided 529 College Savings Program November 6, 2017 Program Disclosure Statement The Bright Directions Advisor-Guided 529 College Savings Program
How to go from here to there.
How to go from here to there. Enrollment Materials $0 $0 Getting an idea of what you ll need. Public Colleges Four-Year (In-state tuition) $73,564 2013 $123,067 2032 Private Four-Year Not-For-Profit Colleges
TAX FACTS. and Tables 2017 AT A GLANCE
TAX FACTS and Tables 2017 AT A GLANCE Are you making smart financial decisions that can help reduce your taxes The first step in reducing the amount of tax you pay on your savings and personal finances
Tomorrow s Scholar 529 Plan
Tomorrow s Scholar 529 Plan Investor Guide... connecting to the future Investment options customizable to your needs A flexible and tax-advantaged way to save for college Potential advantages over other
Blended Age Based Approach
Blended Age Based Approach This approach contains a total of 19 portfolios in two different tracks, Blended Growth and Blended Balanced, that allow you to more closely align your college savings goals
KEY NUMBERS 2018 (REVISED FOR THE TAX CUTS AND JOBS ACT)
KEY NUMBERS 2018 (REVISED FOR THE TAX CUTS AND JOBS ACT) Individual Income Tax Unmarried Individual (Other than Surviving Spouse and Head of Household)* $0 $9,525 10% $9,525 $38,700 12% $38,700 $82,500
What the New Tax Laws Mean to You
What the New Tax Laws Mean to You The American Taxpayer Relief Act of 2012 and other 2013 tax provisions January 2013 White Paper AN OVERVIEW OF THE AMERICAN TAXPAYER RELIEF ACT OF 2012 AND OTHER 2013
2018 Tax Planning & Reference Guide
2018 Tax Planning & Reference Guide The 2018 Tax Planning & Reference Guide is designed to be a reference only and is not intended to provide tax advice. Please consult your professional tax advisor prior
Table of contents. 2 Federal income tax rates 12 Required minimum distributions. 4 Child credits 13 Roth IRAs
2017 tax guide Table of contents 2 Federal income tax rates 12 Required minimum distributions 4 Child credits 13 Roth IRAs 5 Taxes: estates, gifts, Social Security 15 SEPs, Keoghs 6 Rules on retirement
MFS Investment Management MFS 529 SAVINGS PLAN
MFS Investment Management MFS 529 SAVINGS PLAN Participant Agreement and Disclosure Statement NOT FDIC INSURED MAY LOSE VALUE NO BANK GUARANTEE MFS 529 SAVINGS PLAN January 8, 2015 Questions and Answers...
Change of Trustee/Rollover Form
LONESTAR 529 PLAN Change of Trustee/Rollover Form 1 INSTRUCTIONS Print clearly in all CAPITAL LETTERS using blue or black ink. When requested, please color in circles completely. For example: not not Please
Learning Quest Education Savings Program
Learning Quest Education Savings Program A 529 College Savings Plan Guide and Participation Agreement July 2016 The Learning Quest 529 Plan is administered by Kansas State Treasurer Ron Estes. Managed
Retirement Planning Newsletter Fall 2015
Retirement Planning Newsletter Fall 2015 This issue of Financial Footnotes brings you information to help you meet the challenges of midcareer. Of course, some of the ideas here can also apply if you re
MFS Investment Management MFS 529 SAVINGS PLAN
MFS Investment Management MFS 529 SAVINGS PLAN Participant Agreement and Disclosure Statement NOT FDIC INSURED MAY LOSE VALUE NO BANK GUARANTEE MFS 529 SAVINGS PLAN February 2017 Questions and Answers...
Because you can help make their dreams come true
Because you can help make their dreams come true Contents Welcome to the Columbia Management Future Scholar 529 plan 3 Tax advantages 4 5 Control and flexibility 6 7 Investment choices 8 9 College savings
DELAWARE COLLEGE INVESTMENT PLAN February 1, 2017 Supplement to the Fact Kit dated January 3, 2017*
DELAWARE COLLEGE INVESTMENT PLAN February 1, 2017 Supplement to the Fact Kit dated January 3, 2017* Effective December 12, 2016, the following information was removed from page 29 of the Fact Kit dated
The Quest for College Savings Solutions. Choose the right vehicle for your education savings journey
The Quest for College Savings Solutions Choose the right vehicle for your education savings journey Offered by: State of Michigan Program manager and administrator: TIAA-CREF Tuition Financing, Inc. Program
TAX FACTS. and Tables 2018 AT A GLANCE
TAX FACTS and Tables 2018 AT A GLANCE Are you making smart financial decisions that can help reduce your taxes The first step in reducing the amount of tax you pay on your savings and personal finances
TAX FACTS. and Tables 2018 AT A GLANCE
TAX FACTS and Tables 2018 AT A GLANCE Are you making smart financial decisions that can help reduce your taxes The first step in reducing the amount of tax you pay on your savings and personal finances
The Schwab 529 College Savings Plan
The Schwab 529 College Savings Plan Rely on Schwab s expertise to help you plan for your child s college education. Maximize the benefits of a 529 Plan What is a 529 Plan? A 529 Plan is a state-sponsored,
Fact Card Update. Great News! Effective September 18, 2006, there will be additions to the
Variable Annuities Fact Card Update Great News! Effective September 18, 2006, there will be additions to the Variable Annuities investment portfolio line-up. The total number of variable investment portfolios
UNIQUE COLLEGE INVESTING PLAN February 1, 2017 Supplement to the Fact Kit dated January 3, 2017*
UNIQUE COLLEGE INVESTING PLAN February 1, 2017 Supplement to the Fact Kit dated January 3, 2017* Effective December 12, 2016, the following information was removed from page 30 of the Fact Kit dated January
Key Numbers for 2018 (Revised for the Tax Cuts and Jobs Act) Presented by David Fedor
Key Numbers for 2018 (Revised for the Tax Cuts and Jobs Act) Presented by David Fedor Individual Income Tax Unmarried Individual (Other than Surviving Spouse and Head of Household) The tax rate of taxable
Financial Aid and Scholarships Office Verification Form Independent
Financial Aid and Scholarships Office 2016-17 Verification Form Independent Student Name Student ID # (required) Your financial aid application for the 2016-2017 academic year has been selected for a process
WEALTH MANAGEMENT 2016 FINANCIAL PLANNING LIMITS AND TAX RATE SCHEDULES
WEALTH MANAGEMENT 2016 FINANCIAL PLANNING LIMITS AND TAX RATE SCHEDULES Building success together. One advisor at a time. Addressing the complexities of financial planning with your most valuable clients
TAX EXPENDITURES FOR RETIREMENT PLANS
TAX EXPENDITURES FOR RETIREMENT PLANS The tax law recently enacted by Congress includes a great many provisions Some are easy to understand Others are not Among the least understood provisions are those
Variable Annuity Final Exam
Variable Annuity Final Exam 1. Under which of the following situations do no current tax ramifications occur? a. When moneys are moved from one variable annuity sub-account to another b. When any transfers
Six ways to reach college savings goals with a 529 plan
3 4 5 6 ON COURSE TO COLLEGE Six ways to reach college savings goals with a 59 plan There are six steps families can take to increase savings, reduce taxes and accumulate more for a child s future. Look
Key Numbers 2017 Presented by Nancy LaPointe
Key Numbers 2017 Presented by Nancy LaPointe Individual Income Tax Unmarried Individuals (other than Surviving Spouses and Heads of Household) $9,325 or less 10% of taxable income Over $9,325 to $37,950
Morton Community College Budget Report For 4 Months Ending October 31, 2017
Morton Community College Report Morton Community College Report Summary 33% Funds Actual % Education Fund Revenue $ 8,753,933 $ 23,627,720 37.0% $ 14,873,787 Expenditures (6,565,157) (21,014,849) 31.2%
CFP BOARD KEY ELEMENTS TAX CUTS AND JOBS ACT 2017
CFP BOARD KEY ELEMENTS TAX CUTS AND JOBS ACT 2017 IMPACT CONSIDERATIONS LEARNING OBJECTIVES FOR THE NOVEMBER 2018 CFP CERTIFICATION EXAMINATION CERTIFIED FINANCIAL PLANNER BOARD OF STANDARDS, INC. 1425
Prospectus. January 31, Nuveen Taxable Bond Funds. Mutual Funds
Mutual Funds January 31, 2014 Prospectus For investors seeking a high level of current income and capital appreciation. Nuveen Taxable Bond Funds Class / Ticker Symbol Fund Name Class A Class C Class I
VERIFICATION - TAX FILING EXTENSION INSTRUCTIONS
2016-2017 VERIFICATION - TAX FILING EXTENSION INSTRUCTIONS Approximately 30% of all FAFSA applications are randomly selected for the Verification process. As part of this process, students selected must
Mutual Fund Tax Guide
2009 Mutual Fund Tax Guide TABLE OF CONTENTS Part 1 - Tax Items of Interest...2-6 Part 2 - Tax Forms...7-14 Form 1099-DIV...7 Form 1099-B...8 Form 1099-R...9 Form 1099-Q...10 Form 1099-INT...11 Form 1042-S...12
U.FUND COLLEGE INVESTING PLAN February 1, 2017 Supplement to the Fact Kit dated January 3, 2017*
U.FUND COLLEGE INVESTING PLAN February 1, 2017 Supplement to the Fact Kit dated January 3, 2017* Effective December 12, 2016, the following information was removed from page 30 of the Fact Kit dated January
LAST CHANCE 2017 INCOME TAX MINIMIZATION TIPS
LAST CHANCE 2017 INCOME TAX MINIMIZATION TIPS Presented by: James J. Holtzman, CFP Wealth Advisor and Shareholder with Legend Financial Advisors, Inc. JAMES J. HOLTZMAN, CFP James J. Holtzman, CFP, is
COLLEGEADVANTAGE 529 PL AN HELPING YOU SAVE FOR HIGHER EDUCATION
ADVANTAGE 529 PL AN HELPING YOU SAVE FOR HIGHER EDUCATION USRMH0319U-758774-1/8 Grow and Withdraw Assets Free From Federal Taxes * $ 25 MINIMUM $ 15k INVESTMENT MAXIMUM, PER BENEFICIARY, YOU CAN CONTRIBUTE
WHAT DOES BANK OF AMERICA DO WITH YOUR PERSONAL INFORMATION?
U.S. Consumer Privacy Notice Rev. 01/2018 FACTS Why? What? How? WHAT DOES BANK OF AMERICA DO WITH YOUR PERSONAL INFORMATION? Financial companies choose how they share your personal information. Under federal
TCA BY E*TRADE Account Type Reference Chart
TCA BY E*TRADE Account Type Reference Chart This document outlines the availability of different types of accounts at TCA by E*TRADE and, for the qualified plans, it also indicates if our full-suite of
THE TAXPAYER RELIEF ACT OF 1997: A Summary for the Domestic Relations Practitioner
THE TAXPAYER RELIEF ACT OF 1997: A Summary for the Domestic Relations Practitioner by Allan H. Zerman and Cary J. Mogerman ZERMAN & MOGERMAN, L.L.C. Park Place, Suite 325 100 S. Brentwood Boulevard Clayton,
FUTURE SCHOLAR 529 COLLEGE SAVINGS PLAN THE FUTURE SCHOLAR 529 PLAN BECAUSE YOU CAN HELP MAKE THEIR DREAMS COME TRUE
FUTURE SCHOLAR 529 COLLEGE SAVINGS PLAN THE FUTURE SCHOLAR 529 PLAN BECAUSE YOU CAN HELP MAKE THEIR DREAMS COME TRUE CONTENTS 3 Welcome to the Future Scholar 529 Plan 4 5 Tax advantages 6 7 Control and
FIDELITY ARIZONA COLLEGE SAVINGS PLAN October 1, 2017 Supplement to the Fact Kit dated January 3, 2017*
FIDELITY ARIZONA COLLEGE SAVINGS PLAN October 1, 2017 Supplement to the Fact Kit dated January 3, 2017* Effective on or about October 1, 2017, the reference to Fidelity Institutional Money Market will
Learn about saving for college. Investor education
Learn about saving for college Investor education Making an investment in the future A child s college education can be one of the most important investments you ll ever make. With education costs rising
WMCP 2018 Tax Changes
WMCP 2018 Tax Changes WMCP Students As you know, The American College strives to provide the most up-to-date and timely content to our students. We are now happy to announce that the WMCP has been revised
The benefits of 529 savings plans and CollegeAmerica
American Funds - The benefits of 529 savings plans and CollegeAmerica https://www.americanfunds.com/college/college-america/benefits.htm Page 1 of 4 The benefits of 529 savings plans and CollegeAmerica
Tax Reform Legislation: Changes, Impacts, Planning Considerations
The following information and opinions are provided courtesy of Wells Fargo Bank N.A. Wealth Planning Update Tax Reform Legislation:, s, JANUARY 2018 Jay Messing, CFA, CFP Sr. Director of Planning Wells
Risk Factors. Administered by Kansas State Treasurer Jake LaTurner
This Handbook is for individuals establishing an account through a financial professional. There is a separate Handbook for accounts that are established directly with Learning Quest. Please contact us
Personal Financial Planning for Accountants
Personal Financial Planning for Accountants 3 rd Edition Distributed by The CPE Store www.cpestore.com, 1-800-910-2755 Chapter 1 What You Should Know About Financial Planning... 1 Learning Objectives...