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If you max out the 401K plans, can't have a Roth ( $230K w/ Wife's income per year ) and have at least $50K per year to invest, what would you invest in too be tax efficient? No Debt whatsoever. Thnx

Help me tax accountant please !!!!!!!! I actually have the 525 beemer and I paid cash for it. I am 46 my wife is 52 and we make over $250K. - $100K in CDs - $600K in 401K and IRAs - House is paid for worth conservatively $700K - Retirement land paid for in cash - Retirement home to build in...

I am 46 years old, no debt and I will receive after taxes $26,000 each year for the next nine years. This is due to a defered compensation payout. What would you do with this money if you had zero debt, in a high tax bracket, and your income is too high for a taxed deferred IRA? :o

My wife and I would like to build our retirement home in South Carolina and semi-retire. Each year we pay at least 33% in federal taxes due to AMT and were wondering if we can move south now, get jobs just for basic costs (2-$20K positions at the least) and be covered for health insurance. We...

Can anyone get a free "Financial Plan" from Vanguard or do you need a specific amount of money invested with them? ???

I will be receiving a check for $31,000 in two weeks and need to invest this money. We have a balanced portfolio of Mutual Funds and we gross too much to invest in an IRA or Roth. We will retire fully in 15 years and we need to try and put this money where the taxman won't take most of it. Are...

Thank you all for your thoughts and advice and especially Leonidis for looking at the previous posts. Leonidis, you have the story straight and I thought that munis would allow me to invest, yet lower my tax implications. Because we both have 401K plans with pretty decent funds, I thought it...

What bonds or bond funds would you invest in if you were one of the lucky people to pay the Alternative Minimum Tax? My goal is to reduce my tax burden and balance my portfolio with some bonds. :laugh: All taxed defered options have been taken advantage of. Thanks

I have $400K in balanced 401K plans, Wife has IRA w/ $100K,house worth $700K (will need $300K of it to build Retirement home). Retirement 5-10 years away.

If you had $20,000 to invest with a balanced portfolio already in place for retirment (portfolio has only 5% bonds), what would you invest in? The parameters are income over $250K, all tax-deferred options taken advantage of, owe zero to anyone including mortgage paid, and in a tax bracket of...

If you had a windfall of $31K in the next three weeks and cannot take advantage of any 401K plans, IRAs, or Roths due to high income, where would you invest the $31K after the government takes their 33%? Owe nothing to no one including the mortgage being paid off. Retirement hopefully 5 years...

I need to purchase either muni bonds or index funds as we have NO debt and gross income over $250,000. What muni bonds and index funds would you choose if you had 10 years to retire and in the 33% tax bracket? Thanks

Just paid off the home and now we are debt free. The only bills we have are living expenses that are $3000 per month and we have income coming in at the rate of $12,000 per month which leaves $9000 per month to invest. We also will receive $25,000 every January for the next 10 years due to a...

Thanks Alex. I'll be receiving $30,000 each January for the next ten years due to a deferred compensation plan that will start paying out this January. We also have $2000 per month we can invest in as well.

We max out our 401K plans and my wife and I make $200K. What specifically do you all invest in once you have maxed out taxed deferred options? Municipal bonds ???

How does someone contribute over the 401K plan $15,000 limit for 2006? My wife is 52 and we have never contributed over the basic minimum and it looks as though once she turned 50 years old, we culd have contributed more? Can we go back in tme or once the year is over we lose this option?

I just left a company that I will receive $30K for the next ten years due to a payout of my compensation plan. Wife and I make over $200K so I cannot put the money in a Roth or IRA. The money will be taxed as regular income and therefore the government will get 30+ percent. What would be the...

Let me give a few more facts so I am a bit clearer. We only started to make this type of income in the last 6 years due to my wife' career change. -My wife has $150K in her 401K plan. - $230K in CDs that will be utilized to build the new home ( land is paid for) - Another piece of land worth...

I just left my job after 18 years and will receive  $30K for the next 10 Years because my Executive Deferred Compensation plan automatically pays out due to me leaving the company. This income will be taxed at 30-35% due to the fact my wife and I have   combined incomes of over $250,000 and this...

Thanks everyone for the insight. I am trying to figure out if you have maxed out your 401K plans, gross over $250K, have no children and  owe $140K on a $256K loan at 4.75% interest, (8 years left) where to put extra money. We are in the 33% tax bracket and  the house is worth conservatively...

Where is the best place to purchase IRA's if your income is over $250K and how much can a married couple invest each year? I know they are not deductable due to our income  but we have maxed out our 401K plans and many people on this forum say they are a good thing to do.

Thanks for all the feedback but one challenge I have is we make over $150K so we cannot do IRAs. The good news is I work for a healthy company that continues to grow with the ups and downs of the economy' I currently do not have any bonds. With interest rates climbing , is now the time to...

Thank you all for your guidance and advice. It's greatly appreciated.

My wife and I  have $230K in two 401K plans, $290K in a Defferred Compensation plan ( 1.5% return annually), $6,00 in a variable annuity, and $100,000 in a ING Savings account. The Defferred Compensation plan grows taxed deffered and will be paid out in ten yearly installments once I leave the...

Bongo2, Thanks to you and Robert th Red for the advice but I have a few more questions. If I cannot invest in Roth IRAs due to too high an income level, and the EDC is putting too many eggs in one basket, what would you invest in? We have already paid cash for our property on the lake to...