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Retirement Planning/Expert Profile

Willard R. Brumbaugh, LUTCF

U.S.

Available

Expertise

I have answered many questions regarding 401ks, IRAs and annuities as well as life insurance. I have been counselling against most Qualified Plans since 1994.

Education/Credentials

Life Underwriters Training Council Fellow

What do you like about this subject?

I enjoy assisting retirement minded individuals and companies in creating programs that provided untaxed income at retirement.

What do you still hope to achieve/learn in this field?

I expect to continue to maintain my reputation as the expert that others can count on to provide the most accurate and complete information regarding retirement planning - both before and after retirement.

Something interesting about this subject that others may not know:

I have talked to a number of CPAs as well as a retired IRS accountant, all of whom agree that there is no real tax savings in Qualified Plans for those that succeed in their retirement planning.

Something controversial or provocative about this subject

401k plans favor the employee only when the employer is contributing to each participating employee's account. I recommend that employers not have 401ks

Average Ratings

Recent Reviews from Users

User	Date	K	C	P	Comments
James	05/19/12	10	10	10	Thank You.
Frank	04/26/12	8	8	10
Don'Yelle	04/04/12	10	10	10
Don'Yelle	04/04/12	10	10	10
Don'Yelle	04/04/12	10	10	10

Recent Answers from Willard R. Brumbaugh, LUTCF

2012-05-11 past 401k:

Dear Mar, I need more information than you should provide here. Please call me at (888) 792-2379 or (760) 963-2016. Your age, your 401(k) accumulation value, the nature of the investments, and your

2012-04-26 Pension to IRA Rolover:

Dear Frank, The term "10 year Temporary Modified Cash Refund" is unfamiliar to me. However, I do not see the period specified as being an encumbrance to transferring the funds into an IRA. The question

2012-04-03 Variable Annuity:

Dear Don'Yelle, I need to know if this is in an Individual Retirement Account. And I need to know your date of birth. My advice is dependent on this information. If you are more comfortable in using

2012-02-29 financial advice:

Using the 2011 tax table, an Adjusted Gross Income greater than $34,500 would push you into the next higher tax bracket. Of the $12,500 of SS income, only $6,250 would count toward the AGI. Thus, $6,250

2012-02-28 financial advice:

Dear ang, How much of the $19,000 is Social Security, and are you married or single? Willard R. Brumbaugh, LUTCF (888) 792-2379

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