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Wealth Management Texas - Wealth Management Houston TX - Wealth Management Houston Texas - Michael J. Fitzgerald, CPA/PFS, CFP, MST (Houston Texas) Is Featured Three Times At The National Level

Wealth Management Texas - Wealth Management Houston TX - Wealth Management Houston Texas

Financial Planning Texas - Financial Planning Houston - Financial Planning Houston TX - Michael J. Fitzgerald Featured At The National Level

Michael J. Fitzgerald, CPA/PFS, CFP, MST - (Houston Texas ) is feature at 3 national level groups and publications. 

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Michael J. Fitzgerald, CPA/PFS, CFP, MST - (Houston Texas) was just recently feature in the July 2008 issue of CPA Wealth Provider and focused on his state-of-the art 5 year accelerated retirement platform. This platform is designed to help pre-retirees of all ages replace 100% of their income so that they can transition into retirement by focusing on their goals, and not what is going on in the stock market.

http://www.webcpa.com/article.cfm?articleid=28319&pg=ros

http://www.webcpa.com/article.cfm?articleid=28326&pg=ros

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Michael J. Fitzgerald, CPA/PFS, CFP, MST - (Houston Texas) was also just recently featured on the front cover in the August 6th, 2008 issue of Accounting Today at at WebCPA in CPAs Can Help Boomers Make The Big Transition.

http://www.webcpa.com/article.cfm?articleid=28577&pg=financial&hbxcg=financial_planning

Retirement Planning Houston Financial Advisor Texas - Retirement Planning Houston Financial Advisor Houston Texas - Retirement Planning Houston Financial Advisor Houston TX Michael J. Fitzgerald, CPA/PFS, CFP, MST - (Houston Texas) just recenlty spoke at the July 31st Wi$eUp Women - Wi$eUp is a financial education program designed for Generation X and Y Women. It was developed by the U.S. Department of Labor Women's Bureau in support of the Department of Labor's Strengthening the Family Initiative. The Wi$eUp curriculum was developed by Texas AgriLife Extension Service under contract with the Women's Bureau. The original Wi$eUp website was developed by The University of Texas - Dallas Women's Center under contract with the Women's Bureau and is currently managed by Texas AgriLife Extension Service.

http://wiseupwomen.tamu.edu/teleconferences.php?date=2008-07-31

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A:

Houston, Texas - (Retirement Planning, Houston, TX)

Retirement Planning

The best way to approach this subject is how long do you plan on working at this current position?  If you are going to be there long enough to become vested in the company's match of the retirement account, you would want to calculate how much you could be given up if you left the employer prior to receiving your full match.  If you ever intend on retiring you should find ways to use your tax savings to fund your employers retirement account.   

For example, let's assume that the employer will match up to 6% of your salary.  If you left before being fully vested in this contribution, you left 6% of your overall compensation on the table for each year that you worked there.  Depending on the size of your salary, this could amount to $20K over a three year period with the growth in your investments. 

Have you ever seen the 2X3 strategy, on how to max out your retirement account?  This is a great strategy for a W-2 employee to get the government to supplement your retirement plan through tax reduction savings that are allocated to make the 401(k) contribution over the total number of paychecks in the year. 

Being an employee does not give you many ways to reduce your overall tax liability, so having the ability to max up to the $15,500 is one of your best options to reduce your overall tax liability.

Remember there are only two ways to become wealty, go make more money or learn to pay less in tax and invest the savings for your future. 

 Best of luck,

Houston, Texas  - (Retirement Planning, Houston, TX)

Retirement Planning
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