4M Capital and Retirement Services

4M Capital and Retirement Services

After 20 years on Wall Street I founded 4M Capital in 1999 as a full service financial and retirement planning company focused on service rather than sales. We have since grown into a very prominent practice by maintaining that model. Although much of our practice is focused on company pension plans and fee based advisory accounts, all of our clients get the same treatment of the best service possible regardless of the size of the account. Small accounts today become the larger accounts of tomorrow. Feel free to contact us with all of your questions and see if we can be of help.

forbes.com

How Early Retirement Might Be Killing Men

Is early retirement harmful to men? Forbes looks at an unsettling new study: https://tinyurl.com/ya5punpt

forbes.com Men appear to be dying much more frequently around age 62. Here's why.

cnbc.com

5 big retirement mistakes people don't realize they are making

CNBC lists 5 issues too many retirement savers never address. All are important. https://tinyurl.com/y7xp6r3f

cnbc.com The biggest retirement-investing mistakes are easy to avoid. It's the ones 401(k) investors don't even know exist that can be more dangerous.

thinkadvisor.com

6 Types of Financial Advisor | ThinkAdvisor

ThinkAdvisor discusses the different types of financial professionals: https://tinyurl.com/ycl79qua

thinkadvisor.com Everyone throws these terms around. Here's how a veteran defines them.

marketwatch.com

Fed lifts interest rates and aims for another pair of increases later this year

As expected, the Federal Reserve has hiked the benchmark interest rate by 0.25%. MarketWatch has the details: https://tinyurl.com/y7gnlwks

marketwatch.com The Federal Reserve on Wednesday raised its benchmark interest rate and signaled it now sees a total of four increases this year, up from three rate hikes forecast in March.

cnbc.com

Consumer confidence bounces back in May, remains at 'historically strong levels'

As CNBC reports, the Conference Board consumer confidence has rebounded, nearing historic highs: https://tinyurl.com/y7bf34gb

cnbc.com American consumers were feeling more a bit more optimistic in May following a slight decline in confidence in April.

marketwatch.com

How helping your adult children financially can end up hurting their career

Should you help out your kids financially? MarketWatch defines good $ help and bad $ help @ https://tinyurl.com/y7wn4s32

marketwatch.com Parental support can help, depending on how that money is distributed.

marketwatch.com

Finding the ‘why’ behind your retirement plan

When it comes to retirement planning, what is your why? MarketWatch looks at retirement planning intentions: https://tinyurl.com/ycsmhn6n

marketwatch.com Managing the uncertainties in the ‘fall’ period of your life.

nasdaq.com

4 Reasons To Carry Life Insurance In Retirement

A post @ Nasdaq.com presents 4 good reasons to keep your life insurance in retirement: https://tinyurl.com/ybe6rat2

nasdaq.com This content is made possible by our sponsor; the views and opinions expressed herein are the views and opinions of the author and do not necessarily.

[11/29/16]   October and November were the best 2 months for retail sales since early 2014, MarketWatch reports: http://tinyurl.com/z3xfsp2. Good sign of consumer confidence!

[11/23/16]   History was made just before Thanksgiving as the Dow reached 19,000 for the first time. http://www.cnbc.com/2016/11/22/us-markets.html

Timeline Photos

[11/17/16]   Your Year-End Financial Checklist
Seven aspects of your financial life to review as the year draws to a close.

Provided by the end of a year makes us think about last-minute things we need to address and good habits we want to start keeping. To that end, here are seven aspects of your financial life to think about as this year leads into the next...

Your investments. Review your approach to investing and make sure it suits your objectives. Look over your portfolio positions and revisit your asset allocation.

Your retirement planning strategy. Does it seem as practical as it did a few years ago? Are you able to max out contributions to IRAs and workplace retirement plans like 401(k)s? Is it time to make catch-up contributions? Finally, consider Roth IRA conversion scenarios, and whether the potential tax-free retirement distributions tomorrow seem worth the taxes you may incur today. If you are at the age when a Required Minimum Distribution (RMD) is required from your traditional IRA(s), be sure to take your RMD by December 31. If you don’t, the IRS will assess a penalty of 50% of the RMD amount on top of the taxes you will already pay on that income. (While you can postpone your very first IRA RMD until April 1, 2017, that forces you into taking two RMDs next year, both taxable events.)1

Your tax situation. How many potential credits and/or deductions can you and your accountant find before the year ends? Have your CPA craft a year-end projection including Alternative Minimum Tax (AMT). In years past, some business owners and executives didn’t really look into deductions and credits because they just assumed they would be hit by the AMT. The recent rise in the top marginal tax bracket (to 39.6%) made fewer high-earning executives and business owners subject to the AMT – their ordinary income tax liabilities grew. That calls for a closer look at accelerated depreciation, R&D credits, the Work Opportunity Tax Credit, incentive stock options, and certain types of tax-advantaged investments.2

Review any sales of appreciated property and both realized and unrealized losses and gains. Take a look back at last year’s loss carry-forwards. If you’ve sold securities, gather up cost-basis information. Look for any transactions that could potentially enhance your circumstances.

Your charitable gifting goals. Plan charitable contributions or contributions to education accounts, and make any desired cash gifts to family members. The annual federal gift tax exclusion is $14,000 per individual for 2016, meaning you can gift as much as $14,000 to as many individuals as you like this year tax-free. A married couple can gift up to $28,000 tax-free to as many individuals as they like. The gifts do count against the lifetime estate tax exemption amount, which is $5.45 million per individual and $10.9 million per married couple for 2016.3

You could also gift appreciated securities to a charity. If you have owned them for more than a year, you can deduct 100% of their fair market value and legally avoid capital gains tax you would normally incur from selling them.4

Besides outright gifts, you can plan other financial moves on behalf of your family – you can create and fund trusts, for example. The end of the year is a good time to review any trusts you have in place.

Your life insurance coverage. Are your policies and beneficiaries up-to-date? Review premium costs, beneficiaries, and any and all life events that may have altered your coverage needs.

Speaking of life events...did you happen to get married or divorced in 2016? Did you move or change jobs? Buy a home or business? Did you lose a family member, or see a severe illness or ailment affect a loved one? Did you reach the point at which Mom or Dad needed assisted living? Was there a new addition to your family this year? Did you receive an inheritance or a gift? All of these circumstances can have a financial impact on your life, the way you invest and plan for retirement, and how you wind down your career or business. They are worth discussing with the financial or tax professional you know and trust.

Lastly, did you reach any of these financially important ages in 2016? If so, act accordingly.

Did you turn 70½ this year? If so, you must now take Required Minimum Distributions (RMDs) from your IRA(s).
Did you turn 65 this year? If so, you are likely now eligible to apply for Medicare.
Did you turn 62 this year? If so, you can choose to apply for Social Security benefits.
Did you turn 59½ this year? If so, you may take IRA distributions without a 10% penalty.
Did you turn 55 this year? If so, you may be allowed to take distributions from your 401(k) account without penalty, provided you no longer work for that employer.
Did you turn 50 this year? If so, you can make “catch-up” contributions to IRAs (and certain qualified retirement plans).1,5

The end of the year is a key time to review your financial “health” & well-being. If you feel you need to address any of the items above, please feel free to give me a call.

This is an issue that is more important than most people realize. All to often many do not realize that they will be taxed as they withdraw money from their 401(K), 403(b), IRA, etc. and are shocked when they get the news.

[11/09/16]   The election is over, and it is time to move forward.
Investors may or may not like the result, but the country has to come together and work towards a better future. That unity, that commitment, may also help to calm some of what we are seeing in the markets.
Arguably, the nation has never witnessed a presidential election quite like this one. Many were not expecting its outcome, so a great degree of volatility may affect Wall Street not only this week, but for weeks to follow.
Sooner or later (and perhaps much sooner than investors anticipate), a sense of normalcy and equilibrium will return. America has shown great faith in its institutions and its democracy, and that will undoubtedly help.
This is an interesting moment in our history. As you save and invest for your goals, remember that market disruptions are not the norm but the exception, and remember that Wall Street has seen many more positive years than negative ones. Whatever you happen to think of the election outcome, we must ride out the turbulence the market is witnessing at this moment and stay focused on long-term objectives.
I am here for you. If you have any concerns or questions about how things are going with your investments, please feel free to call me at 631-420-4242 or email me at [email protected]. We will all move forward.

[11/09/16]   The election is over, and it is time to move forward.
Investors may or may not like the result, but the country has to come together and work towards a better future. That unity, that commitment, may also help to calm some of what we are seeing in the markets.
Arguably, the nation has never witnessed a presidential election quite like this one. Many were not expecting its outcome, so a great degree of volatility may affect Wall Street not only this week, but for weeks to follow.
Sooner or later (and perhaps much sooner than investors anticipate), a sense of normalcy and equilibrium will return. America has shown great faith in its institutions and its democracy, and that will undoubtedly help.
This is an interesting moment in our history. As you save and invest for your goals, remember that market disruptions are not the norm but the exception, and remember that Wall Street has seen many more positive years than negative ones. Whatever you happen to think of the election outcome, we must ride out the turbulence the market is witnessing at this moment and stay focused on long-term objectives.
I am here for you. If you have any concerns or questions about how things are going with your investments, please feel free to call me at 631-420-4242 or email me at [email protected] We will all move forward.

[11/07/16]   Money notes that the U.S. election could be influenced by upcoming economic reports: http://tinyurl.com/ht9zzww

4M Capital and Retirement Services's cover photo

[11/07/16]   I am just starting this page but I will very shortly post timely articles about all aspect of financial planning and pension funds administration. If you have any ideas of what you would like to see or have any questions about something you read, please feel free to let me know.

4M Capital and Retirement Services

Want your business to be the top-listed Finance Company in Suffolk County?

Click here to claim your Sponsored Listing.

Telephone

Address


1895 Walt Whitman Road, Suite #6
Suffolk County, NY
11747

Opening Hours

Monday 09:00 - 17:00
Tuesday 09:00 - 17:00
Wednesday 09:00 - 17:00
Thursday 09:00 - 17:00
Friday 09:00 - 17:00
Saturday 09:00 - 15:00
Other Financial Services in Suffolk County (show all)
Nicholas J. Alfino, CFS- Forest Hills Financial Group Nicholas J. Alfino, CFS- Forest Hills Financial Group
200 Broadhollow Rd. Suite 405
Suffolk County, 11747

Richard J. Krohley, Jr. Richard J. Krohley, Jr.
980 Old County Rd
Suffolk County, 11803

Anthony Chen - Lighthouse Financial Network, LLC Anthony Chen - Lighthouse Financial Network, LLC
575 Broadhollow Rd
Suffolk County, 11747

Lighting the way to secure a financial future.

Denise D. Rathje, Jet Direct Mortgage Denise D. Rathje, Jet Direct Mortgage
111 West Main Street, Suite 110, Bay Shore
Suffolk County, 11706

Denise has over 18 years of experience in the mortgage industry. She will help you structure your loan that uniquely fits your financial needs.

Andrew Caramico - Northwestern Mutual Andrew Caramico - Northwestern Mutual
400 Broad Hollow Rd
Suffolk County, 11747

To build a strategic and comprehensive financial plan, specific to each client's goals. Our relationship, with our clients, will uphold the highest levels of integrity, trust and service towards those goals

Jason Hawley Forest Hills Financial Group Jason Hawley Forest Hills Financial Group
200 Broadhollow Road Suite 405
Suffolk County, 11747

Joshua L. Whalley Mortgage Loan Originator Joshua L. Whalley Mortgage Loan Originator
4875 Sunrise Hwy. Suite 101
Suffolk County, 11716

Residential and Commercial loan options for all real estate needs.

Kayceebees Financial Consulting Kayceebees Financial Consulting
1065 Old Country Rd.
Suffolk County, 11590

All of your mortgage needs under one roof. We have the availability to provide many financing options other lenders don't have available.

Christopher Loria Christopher Loria
200 Broadhollow Rd Suite 302
Suffolk County, 11747

Financial Advisor, Ameriprise Financial Services, Inc.

James L. McLoughlin James L. McLoughlin
376 Mark Tree Road
Suffolk County, 11733

Fred Santangelo Financial Services Fred Santangelo Financial Services
102 Motor Parkway, Suite 550
Suffolk County, 11788

Life Planning Group was founded with the goal of assisting our clients in every aspect of their financial lives. We’ve provided the most personal service available, thus earning a reputation for excellence in our industry.