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How to Invest My Lilly 401(k)

Created on Tuesday, 26 June 2018. Posted in content/blog

... with an eye toward the year you expect to retire and start withdrawing money. As time goes by, the investment mix shifts to more conservative investments (bonds and money market) automatically. Target ...

What to do if Your Pension is Frozen or Terminated

Created on Thursday, 21 June 2018. Posted in content/blog

... is frozen, but it likely won't make up fully for the impact of the reduced pension. You'll need to save more during your working years to make up for the reduced pension income. Exactly how much you will ...

How Investing is Like the Indy 500

Created on Friday, 25 May 2018. Posted in content/blog

... is usually very predictable. The Parallels Between the Indianapolis 500 and Investing Last year Takuma Sato won the 500 with an average speed of 155.395 mph. Sato also had the fastest race lap at 226.190 ...

Here's the Good News About the Stock Market Being Down

Created on Tuesday, 03 April 2018. Posted in content/blog

... admission if you will. It shouldn't be a surprise that the market goes down. I saw a great Tweet today by Morgan Housel - "About once a year people forget that the market falls 10% about once ...

Eli Lilly Employees: Got A Roth 401(k)? You Should Know This

Created on Wednesday, 21 February 2018. Posted in content/blog

... of five years have elapsed since January 1 of the year of the first contribution to the Roth 401(k) account. Here's the catch. After you retire or otherwise leave your employer, if you rollover your Roth ...

Remarks About Stock Market Pullback

Created on Friday, 09 February 2018. Posted in content/blog

... don't let the big numbers get to you. As the market has risen over the last several years, these point numbers mean less and less. It's about the percentages, not the points. Recently the Dow was down ...

Tax Cuts and Jobs Act of 2017: What Taxpayers Need to Know

Created on Friday, 26 January 2018. Posted in content/blog

... only for tax years 2018−2025. The act modified the marginal rates for individual income taxation. The revised seven-tier income tax rate schedule for tax years 2018−2025 is reflected in the chart below. ...

Important Things to Remember for VERP Participants

Created on Wednesday, 06 December 2017. Posted in content/blog

... 401(k). AFTER SEPARATION Discuss the rollover of your 401(k) to your IRA with your advisor.  If you do not already have an IRA we will establish one.  If you were 55 in the year of separation ...

Why You Should Use the HSA Instead of the HRA in 2018

Created on Monday, 16 October 2017. Posted in content/blog

Open enrollment is here. You know, that time of year where you make choices about your benefits at work? One area that I've noticed that people may want to take a little more time in comparing their ...

Lilly VERP Analysis - Should I Stay or Should I Go?

Created on Monday, 18 September 2017. Posted in content/blog

... at an example: Eli Lilly VERP Real Life Example – Jane Jane has 26 years of service and is 50 years old. Following is the estimated pension amount under the Voluntary Early Retirement Program (VERP). ...

Eli Lilly Employee Voluntary Early Retirement Program (VERP) Decision

Created on Friday, 08 September 2017. Posted in content/blog

... benefits would be greater than the benefits offered in the VERP. Early retirement could impact your Social Security benefits, which are based on your average earnings over 35 years of work. And it's important ...

Where to Invest Money You Need in the Next Five Years

Created on Thursday, 10 August 2017. Posted in content/blog

An issue that has come up frequently the last several years is when people have money in savings that they don't need right now but they need it in a year or two for some specific goal like a vacation ...

How Investing Should Be Like Summer

Created on Sunday, 09 July 2017. Posted in content/blog

... your kids may be involved in. With this being said, if you're like my family, summer is anything but laid back. Although the routine is different from the school year, it's still not activity-free. There ...

How to Reduce Income Taxes on a Severance Package

Created on Friday, 10 February 2017. Posted in content/blog

... been from 3 months to 18 month's compensation based on the employee's years of service and it's paid out in a lump sum. That means you get one check with the entire amount. The lump sum is subject to ordinary ...

Dow 20,000. Now What?

Created on Thursday, 26 January 2017. Posted in content/blog

... that, the market marched up 336 points in 4 short business days to breach that highly anticipated number – 20,000. The Dow's moves in January are a microcosm of how it's moved over the last 40 years. ...

15 Things to do When You Lose Your Job

Created on Monday, 09 January 2017. Posted in content/blog

... it cost you today in taxes and penalties, but it may really cost you big later on in retirement.  You lose all those years of compound interest and tax-deferred growth potential.  When you leave ...