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Anyone receive a notice in the mail from National Financial Services (a subsidiary of Fidelity) about a fund report being available, and suggests you update your communication preferences at www.FundReports.com using a 20 digit code printed on the notice as an ID? It appears legit, but I wanted...

I just hit a milestone - I paid my last ACA health insurance premium; I start Medicare May 1st. The ACA allowed me to retire early (2017), which has given me the opportunity to take much better care of my elderly parents and spend much more quality time with my significantly-older-than-me...

Hello, My question is for a dear friend. She was recently diagnosed with Parkinson's and is having some mild cognitive issues and feels overwhelmed by the diagnosis. She has been managing her own money until now (although not enjoying it) and she has it split between Vanguard and Fidelity...

I'd like to transfer DP's RMDs in kind from her Fidelity IRA to her Fidelity brokerage account, but it appears to me that the only way to do this is to call up Fidelity and ask them to do it for us. Has anyone managed to do this online?

I don't want to start up the bond fund wars; so, yes, I get now why bond index funds are problematic :facepalm: At this point I feel willing to sell at least 1/2 of the money we have in the bond index funds at a loss to stop the bleeding and put the money into a CD ladder at 4.5+%. What are...

I'm putting together a CD ladder at Fidelity, and most of the CDs I'm looking at have attributes that include either SFP (sinking fund protection) or CP (call protection). Although I have read Fidelity's definitions of these attributes, I'm still not sure what they mean for me as the purchaser...

We want to send money every month to our granddaughter who is starting college in September. Kids that age like to do everything on their phones and tend to lose checks. So we set up a PayPal account and so did she. We linked our PayPal account to a Chase credit card and did a test of...

This has had a very large impact on my quality of life and I wanted all of you to know about it, as PCPs often don't understand the urgency. I woke up on the morning of 12/23 with a significant loss of hearing in one ear - all the lower frequencies were just about gone. In addition, I had a...

I just moved half of my investments from Vanguard to Fidelity. I'm in the habit of recording my quarterly dividends and interest in a spreadsheet. On Vanguard's site, there is a great page to quickly access this information for all accounts, divided up between Taxable and Non-taxable. (My...

If you roll over the Roth from one investment firm to another, the 5 year period doesn’t start over, does it?

Spending some time fine-tuning my portfolio (AA: 50/40/10) and right now I’m focusing on the bond portion. The 10% cash is for our next 5-6 years (until my SS starts), so I won’t need to access the bond funds for awhile. I’m only interested in mutual funds or ETFs, and this portion of my...

My 84-yr-old dad (an avid student of investing for 50 years with somewhat unorthodox ideas at times) recently suggested I look into target date bond ETFs. I was asking him questions about buying individual bonds to set up a bond ladder. I’m not confident at all in my understanding of how to...

We are planning to open a joint Fidelity brokerage account with just a money market fund in it (for now), and seriously considering opening a joint Cash Management account and ditching our joint checking and savings accounts at PNC. For the time being, we would both keep a PNC checking and PNC...

A lot of articles I’ve read suggest creating a document that details all things financial for your survivors, including usernames and passwords to banks, brokerages, etc. While I completely understand the utility of such a document (and as my father’s executor, I would find this incredibly...

New form coming for those over-65 for 2019 tax year: https://www.investopedia.com/taxes/seniors-get-new-simplified-tax-form/ Similar to the 1040EZ, but does not have an income limit, allows the forms of income common for seniors, no itemizing allowed (not that many of us do that any more...)...

UPDATE: I did semi-retire 3 months after the short discussion on this post. I have been consulting part-time ever since (18-24 hrs/week), working from home and spending quality time with my PiC. Not a day goes by that I don't stand in the kitchen, look out the window, and feel a huge wave...

I understand the principles of a bond ladder, and would like to create one. However, I cannot figure out the logistics of creating one (I've been using Vanguard for most of my portfolio for almost two decades, but find the section on purchasing individual bonds super confusing). I find my...

Hello all, I'm 58 and still working. We paid off our mortgage last month (after just 9 years) and we have total savings of $1.5M. My partner in crime (PiC) is 73 and has been retired for 3 years. PiC has had two cancers and has heart disease and is in good shape right now, but I'm eager...