BaldwinClarke, Author at Independent Wealth + Business Advisory | BaldwinClarke

Author: BaldwinClarke

#Finterms: What is a 401(k)? Is it the same as an IRA?

A 401(k) is an employer-sponsored retirement savings plan. Employees can contribute a portion of their pre-tax salaries to their 401(k) accounts, thus reducing their taxable income. Many employers match a portion of their employees' contributions to the plan, which can help accelerate retirement savings. The contributions and any earnings grow tax-deferred until withdrawal, at which point they are taxed as...

#Finterms: Surrender Value

The surrender value, also known as cash surrender value, of a life insurance policy is the amount of money an insurance policyholder will receive if they decide to cancel the policy before the end of its term or before they pass away. This option is typically only available in permanent or whole life insurance policies, and not in term insurance...

Summer Travel – A Few Safety Tips. . .

When Summertime hits, it is often a rite of passage to hit the road – be it to the local beach or lake or to more ambitious locales. While much of the summer travel focus is righty on mapping out what friends and family to visit or what book to read, safety shouldn’t find itself at the bottom of our...

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#Finterms: What is a 401(k)? Is it the same as an IRA?

#Finterms: Surrender Value

Summer Travel – A Few Safety Tips. . .