Managing Your IRA With Less Stress
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By Emily

March 23rd, 2018

I partnered with GuidedChoice on this sponsored post. All opinions are my own.
Deciding how to save for retirement can be a really stressful decision. Making sure you are prepared for retirement at the right time and income level is a serious decision. IRA’s are a tax-advantaged way to save for retirement. When considering a new IRA, or looking to roll-over a current IRA, my advice is to try to make your decision carefully. I sometimes have a tendency to choose quickly when overwhelmed, but that is not ideal as it is unlikely to result in the best decision.

GuidedChoice is an independent advisory firm. They believe in financial freedom for all. GuidedChoice is not affiliated with any institutional investor, investment manager or brokerage firm. Clients for GuidedChoice include everything from government entities to nonprofits, to fortune 500 corporations!

Managing Your IRA With Less Stress

GuidedChoice offers Managed IRA’s for individuals and small businesses. They make it
easy and painless to invest, taking some of the stress off your shoulders!
There are five different Managed IRA solutions.
For individuals:
● SIMPLE
● Traditional
● Roth
● SEP
For small businesses:
● SIMPLE
● SEP
● Payroll deduction IRA’s

There is no one-size- fits-all IRA. That is why GuidedChoice provides personalized plans. You get the ability to customize your plan based on your savings rate and date of withdraw. You’ll get a personalized investment portfolio based on your goals, and it will be designed to help you meet them!

You’ll get personalized advice and professional management, so you can effortlessly save for the retirement you want. This can help you decide how much you should be saving, and give you insight into when would be a more ideal time to withdraw.

The managed IRA’s have totally transparent fees, and the pricing is all-inclusive, so you know what you are paying. Nobody likes hidden costs! They have an Automatic Rebalancing feature which continuously monitors the funds that you are invested in, and will rebalance your account when necessary to keep you on track.

If you find yourself wondering how your savings rate can impact your end results, you’ll love the projected wealth feature. It can show you how making small adjustments can alter your outcome. This is a great feature for helping you feel more confident about how you are answering the question “should I be saving more?” and “When is the most ideal time to withdrawal?”

There is no minimum balance required to open an account, but there is a $50 fee if your balance is under $50,000.

The fees are low. You’ll pay $5.70 to $6.30 per year for every $1,000 in your account. The price varies based on the investment fund fees in your portfolio.

Think you will want help deciding which type of IRA will be the best match for your needs? A concierge service is available to help. Even the sign-up process for GuidedChoice is simple. It can be done online in just a few minutes, whether you are creating a new IRA or rolling over an existing one.

This post currently has 17 responses.

  • I need to check this out. It’s been my experience that IRA’s are a nightmare to wrangle. This sounds so much better.

  • All good points to consider. I’ve heard from friends and family that IRA’s can be a pain, but are very beneficial for future income.

  • Thanks for the introduction of GuidedChoice. I tried to manage my IRA’s and decide to leave that up to the experts after realizing I didn’t know what I was doing. I’ll check this out.

  • I have to admit, I have no idea what an IRA is. It’s all kind of like a foreign language to me. I understand 401Ks but I haven’t delved into anything deeper. I think I’m just afraid.

  • Peggy Nunn

    There is a lot of information here. We will have to check it out. I got a lot of information from our CPA friend. She always told us how much money we needed to put in an account to pay less tax. With my different kinds of work, I have have 3 of the different kinds of IRAs.

  • Rosie

    This sounds like good information. One thing many people don’t realize is good to do is start a Roth IRA when younger.

  • These are fantastic tips for managing an ira with less stress. This is going to be super helpful for so many people.

  • Lauryn R

    This is definitely something that makes me stress out just thinking about it! Thank you so much for sharing this helpful information!

  • Barrie

    So important for everyone to know about IRAs and the choices they have. It’s so very, very important for everyone to invest in their retirement as no one knows what will happen with social security. GuidedChoices sounds like a good place to start!

  • This is incredible, I set up my retirement benefits. However, I don’t fully understand them 100%. I get my statements and I’m not sure if I need to change things and how and when to change it. Having someone a phone call away to answer all of my confusion would make me hate the process less.

  • Jeanine Carlson

    My husband and I have worked hard to make sure we had something in our coffers for when retirement came around. Who knew it would come so fast!!!

  • This is good info in gonna chevk this out

  • This is good info in gonna chevk this out

  • Dana Rodriguez

    This is a great post and I love the photos too. GuidedChoice sounds like something I need to check into!

  • Sarah L

    Good information. I want to go to the Grand Canyon like you did.

  • Great points to consider. I’ve heard from friends and family that IRA’s can be hard to manage, but crucial to our future!

  • ellen beck

    You did a great job explaining IRSa. I have no idea what an IRA is, (well besides knowing what the initials stand for) and how they work. It is an excellent way to put away money and not be penalized for having savings. I will have to look into this.

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