Michael Zaidlin's Blog

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  • strict warning: Non-static method view::load() should not be called statically in /u01/web_sky902/www.mdria.com/public_html/sites/all/modules/views/views.module on line 1118.
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Madrone Retirement Advisors, LLC

Estate planning and Roth conversions.

The long-term growth potential of Roth IRAs is greatly underestimated and has significant estate planning implications:  Because there are no minimum required withdrawals from a Roth IRA during the original owner’s lifetime, the long-term impact of compound growth can be striking.  For example, a $500,000 balance in a Roth IRA at age 45 can, at a fairly modest annual growth rate of 6% and no withdrawals, grow to a total of $3.8M by age 85 – all of which is tax-free.  If then left to a 45-year old heir, that heir would only be required to take annu

Does your 401(k) account include your employer's stock?

What to do if your 401(k) account includes employer (company) stock that has increased in value: Employees usually roll their entire 401(k) balance into an IRA when they retire or otherwise leave their employer, and eventually pay ordinary income tax on the withdrawals that are made from that IRA.  However, if your 401(k) account includes stock in the company you work for (Microsoft, for example)   and that stock has appreciated, you may want to roll the appreciated company stock into a taxable brokerage account, while rolling the non-company assets into an I

Maximizing the retirement account "stretch"

The decision as to who one’s beneficiaries of a retirement account will be has a critical impact on the ability to maximize the "stretch" - the number of years that a retirement account can grow tax-deferred (or tax-free in the case of the Roth IRA).  And maximizing the number of years that a retirement account can continue to grow is the key factor in determining how much wealth it can ultimately create, since even at 6% annual growth rate, the size of a retirement account can quadruple in 25 years.

The relationship between investment fees and market returns

Because annual market retuns can vary substantially, I calculated the impact that investment-related fees can have on various hypothetical market returns over a 25-year period.  As can be seen, the worse the markets do, the greater the impact of investment fees, assuming that this is the only variable: