Skip to content

2025-03-14-Fri

  • Alexander Armster-Wikoff / Mike / April are planners - benefits optimization
  • then broaden to general financial planning
  • priority access to the team
  • complimentary service / not on commission
  • benefit for life
  • confidential
  • relationship will change
  • period of time w/ an alert on the account; not allowed to have a managed account
  • accounts will be fairly restricted
  • Has and stock plan are prohibited
  • 60 days are free to do things, but after: account is restricted and you can do liquidated trades
  • can’t change positions
  • open taxable brokerage account - and some transfer but no ETFs / etc.
  • 401k?
    • nothing changes here
    • can redo portfolio and redo moves
    • when you take a distribution, typically the lowest rate is withlding 20%.
    • when I move W-8BEN form needs to be sent to Fidelity
  • non-US policy
  • can’t transfer? so have to liquidate?
  • sps account and has account will become locked to liquidating trades only
  • open an individual account with some more flexibility?
  • can have mutual funds or etfs in the individual account
  • have them before we move
  • financial planning process? retirement analysis tool