Willard R. Brumbaugh, LUTCF - Retirement Planning - Retirement Planning - People/Relationships

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Expert Profile: Willard R. Brumbaugh, LUTCF

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.
Ranked in the top 5 in retirement catagories at Askme.com most of its last 2 1/2 years. Organizations I belong to: National Association of Insurance and Financial Advisors-California
Inland Empire Estate Planning Council

Education/Credentials
Life Underwriters Training Council Fellow

Ask a Question	View Past Answers	View Ratings

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
Prestige Points: 7522
Knowledge	9.93 Best of the best
Clarity of Response	9.89 Best of the best
Timeliness	9.96 Best of the best
Politeness	9.97 Best of the best
Number Of Questions (in Past 24 Hours)		0
Max Questions to be Asked (in 24 Hour period)		5
Total Questions (since joining AllExperts)		799

Recent Reviews from Users

Knowl	Clarity	Time	Politeness	Date
8	10	10	10	08/25/08
10	10	10	10	08/21/08
9	9	10	10	08/17/08
10	10	10	10	08/13/08
10	10	10	10	07/27/08

User Comments

Thank you for your prompt answer.
(shirley on 08/21/08)

Thanks so much for your response Mr. Brumbaugh. I will certainly take all that you suggested into consideration. Paula
(Paula on 08/17/08)

Very helpful info .. thank you very much.
(Catherine on 08/13/08)

Thanks for your advice :)
(Lee on 07/27/08)

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Ask a Question	View Past Answers	View Ratings

Recent Answers from Willard R. Brumbaugh, LUTCF

2008-08-30 401(k), cashing out: Dear Jeff, According to information that has been provided to me concerning ERISA rules, you can move your employer's contributions and earnings on the employer's contributions into a Non-Hardship transfer...

2008-08-25 Documentation needed to avoid penalty for IRA early distribution: Dear Sue, I am sorry for your state of health. While I pray that you can eventually break free of this ailment, I hope that your current eligibility is confirmed and applied to the penalty waiver....

2008-08-22 Paying off credit card debt with 401K: Fidelity is correct when the person requesting the withdrawal is still employed by the sponsoring company, unless the company has specified that Non-Hardship transfers can be made into self-directed IRAs...

2008-08-21 Early Retirement: Dear Steve, 1. I cannot say that there is a typical rate of return, but I can give an example of a nationally offered plan that is worth considering. Old Mutual Life Insurance Company's OM Accelerator...

2008-08-20 ira's: Dear Shirley, Bank CDs have FDIC coverage, but generally are not as competitive as Fixed Annuities. I would stay away from Variable Annuities, but Fixed and Fixed Indexed Annuities I feel are safe...