Dan Moisand’s monthly Q&A columns for Florida Today covered how the rules for Required Minimum Distributions from IRAs differ from those for Roth IRAs, 401(k)s, 403(b)s and other retirement accounts, the importance of controlling one’s intake of news, and lottery winners’ choice between taking a one-time lump sum or annual payments .
Dan was also selected for a weekly Q&A as a “RetireMentor” for MarketWatch, the personal finance website of the Wall Street Journal.
In his columns for Financial Advisor magazine, Dan appealed to his peers to take relatively simple steps to help thwart elder fraud and exploitation, The article prompted a slew of reader emails that led to a follow-up piece comprised of the scenarios planners have encountered.
In The News…
Charlie Fitzgerald received a unique honor when he was asked to write a piece on behalf of the Financial Planning Association of Florida for a special edition of the State of Florida’s Chief Financial Officer, Jeff Atwater’s newsletter, Florida’s Bottom Line. The issue addressed the fiscal cliff from various angles. Charlie wrote about the importance of creating, maintaining and adapting a sound financial plan.
Several of our team members were tapped as experts for various news items:
Charlie served as a source for a front page story in the Orlando Sentinel on November 25th. He explained that while the financial markets and political arenas may or may not bring great drama, economically the term “fiscal cliff” is more catchy than accurate “If anything, it will probably be more of a fiscal drag, depending on what Congress comes up with,” Charlie explained.
Charlie responded to a Q&A in the Orlando Sentinel about the downside to high rate CD offers. The high rate is typically only applied to a small amount and the end game is to sell you an expensive product, usually insurance or an annuity.
Dan was interviewed by the division of the Wall Street Journal that caters to financial advisors. The interview became a bylined article on elder fraud for their “Voices” series. He was also quoted in a piece discussing how new taxes affect fund investors.
Dan conducted a nationwide ethics webinar for the Financial Planning Association (FPA). The CFP Board mandates all Certified Financial Planner(R) licensees receive instruction on its Standards of Professional Conduct. Attendees fulfilled this part of their bi-annual continuing education requirements.
Dan also served on a panel for a Retirement and Estate Planning at the World Money Show in Orlando.
Charlie, Derrick Chandler, and Mike Salmon attended the FPA of Central Florida Symposium where they attended sessions covering such diverse topics as global economic conditions, the new tax code changes, and reverse mortgages.
Derrick and Dan attended the T3 Technology conference in Miami in order to evaluate the latest and greatest software wealth managers can use to better serve their clients.
Moisand Fitzgerald Tamayo, LLC is an Orlando, Tampa and Melbourne, Florida based fee-only financial planner serving central Florida and clients across the country. Moisand Fitzgerald Tamayo, LLC specializes in providing objective financial planning, retirement planning, and investment management to help clients build, manage, grow, and protect their assets through all phases of one’s life and the many transitions in between. If you have any questions or would like to discuss anything further, please give us a call or send us a note. If you are not a client and wish to receive emails notifying you of new posts – no more than once per month – fill out the subscription information in the sidebar to the right. For more frequent updates, follow us on Facebook, LinkedIn, or Twitter.
Important Additional Information & Disclosures
Please remember that past performance may not be indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by Moisand Fitzgerald Tamayo, LLC-“MFT”), or any non-investment related content, made reference to directly or indirectly in this blog will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful.
Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Moreover, you should not assume that any discussion or information contained in this blog serves as the receipt of, or as a substitute for, personalized investment advice from MFT.
Please remember that if you are a MFT client, it remains your responsibility to advise MFT, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services, or if you would like to impose, add, or to modify any reasonable restrictions to our investment advisory services. To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to his/her individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing. MFT is neither a law firm nor a certified public accounting firm and no portion of the blog content should be construed as legal or accounting advice. Tax advice is given only to clients and only when agreed to by MFT. A copy of the MFT’s current written disclosure Brochure discussing our advisory services and fees is available for review upon request.
Please Note: MFT does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to MFT’s web site or blog or incorporated herein, and takes no responsibility for any such content. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.
Please Note: Limitations: While MFT does NOT pay for recognition, awards, or publicity, neither rankings and/or recognition by unaffiliated rating services, publications, or other organizations, nor the achievement of any designation or certification, should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if MFT is engaged, or continues to be engaged, to provide investment advisory services. Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser. Rankings are generally limited to participating advisers. No ranking or recognition should be construed as a current or past endorsement of MFT by any of its clients. ANY QUESTIONS: MFT’s Chief Compliance Officer remains available to address any questions regarding rankings and/or recognitions, including providing the criteria used for any reflected ranking.
Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. It should not be assumed that your MFT account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your MFT accounts; and, (3) a description of each comparative benchmark/index is available upon request.