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Wiser Wealth Management Blog

Personal Finance

How does your 401k balance compare?

Do you often wonder if you have more saved for retirement than your friends or neighbors? While it is really more important to know that you are on the right retirement path based on your own needs, everyone also wants to know where they are compared to their peers. At Wiser, we help you determine how much you should be saving so you will be secure in retirement, but let’s look at the latest results of national data on 401k plan balances. First, the good

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Personal Finance

SECURE Act – What you need to know

The Setting Every Community Up for Retirement Enhancement (SECURE) Act was attached to the 2020 budget bill and signed into law on December 20th by President Trump. The Act, championed by Ohio Senator Rob Portman, passed both houses with bipartisan support. The SECURE Act has changed many rules related to retirement. Required Minimum Distributions (RMDs) Will Start at Age 72, not 70.5 In the year that you turn age 72, not 70.5, you will need to withdrawal funds annually from your IRA. If you turned

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Aviation

ASA Empower 401k Change

TO: Atlantic Southeast Airlines 401k Plan Participants On November 2, 2015, some changes took place in the ASA Empower 401k plan. In the letter to plan participants, Empower announced that they were changing the share class of the fund. Different share classes of mutual funds generally give discounts on management fees for larger investments. It makes sense that a 401k plan the size of ASA’s should be getting preferred pricing. The Empower notice is actually moving funds from the discounted share classes to, in some cases,

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6th Annual ASA Pilot 401k Workshop

On February 7 and 11, the ASA MEC is hosting two investment and retirement-planning workshops in Atlanta at no cost to all ExpressJet CRJ pilots and flight attendants. The sessions, run by Wiser Wealth Management, a private firm owned by a former ExpressJet Captain, Casey Smith, will focus on meeting the attendees’ personal retirement objectives and building an investment portfolio. Wiser Wealth Management has been assisting the ASA MEC and providing this important service for six years. “Our commitment to our pilot group does not

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Aviation

Janus Overseas.. A Supporting Role

Janus Overseas is one of three international fund choices within the ASA JP Morgan 401k plan. The fund has historically attracted the retirement savings of plan participants due to its superior performance. The fund fell hard in 08 just like any other stock investment during the financial crisis only to have a tremendous rebound, quickly making up prior losses. Recently however the fund has failed to beat its benchmark and its competition within the 401k plan. When choosing which funds to allocate to within the

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Research & Economic Commentary

ETFs in a 401k: The Wave is Building

There has been a lot of discussion concerning the use of exchange traded funds (ETFs) as the primary investment vehicle within 401k plans. The barriers that once stood in the way are being removed by innovative record keeping and the growing use of ETFs in private and institutional accounts.

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Aviation

ASA 401k: Janus Overseas Under Performance

A few weeks ago Wiser sent an email alerting our followers of the under performance of the ASA 401k Janus Overseas Fund. A great source for commentary regarding mutual funds is MorningStar, an independent research firm. To read the Morningstar Analysis please click HERE. In light of these changes, Wiser has altered our recommended ASA 401k Models. Please view the models HERE.

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