Is Direct Indexing Worth the Hype? Earnings Season Update. & 401k In-Service Distributions

Welcome to the⁠⁠⁠⁠⁠⁠⁠⁠  @plannedsolutions  ⁠⁠⁠⁠⁠⁠Incorporated Podcast. In this episode, we discuss how Direct indexing has become more and more popular as advancements in technology and decreasing trading and custodial costs have made these strategies more competitive. In some cases, direct indexing can lead to better tax outcomes or could better meet investor preferences to hold or avoid certain securities. However, there are also some negative implications, including increased complexity that may offset the benefits.

Also, the Earnings season is off to a strong start. With roughly one in four S&P 500 companies having already reported, more than three out of four companies have beat analysts’ estimates, with only 19% falling short. Third-quarter earnings are expected to increase nearly 13% from the same quarter a year ago.

As well, Some employer-sponsored 401k plans allow participants who have reached age 59.5 to access their 401k funds through an inservice distribution. This allows participants to move their 401k funds into another plan or an IRA while still employed and participating in the 401k plan. This option can be attractive for some employees due to its greater flexibility, but all of the pros and cons should be weighed before making a decision.

Plus a look at the Planned Solutions Incorporated Office Bulletin Board -

The IRS Standard Deduction for 2025 will increase by $800 for Married Couples to $30,000, by $400 for Single Filers to $15,000, and by $600 for Head of Household filers to $22,500.

To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast) please e-mail ⁠⁠⁠⁠⁠⁠⁠Katie@PlannedSolutions.com⁠⁠⁠⁠⁠⁠⁠

The Personal Finance Review is published and distributed biweekly by Planned Solutions, Inc. for informational purposes only. Please seek the advice of a qualified financial planner before taking any action.

Chase Armer's book- Financial Planning Insights is now available at: ⁠⁠⁠⁠⁠⁠⁠⁠https://www.amazon.com/Financial-Planning-Insights-Decades-Planner/dp/1098306279?ref_=ast_author_mpb⁠⁠⁠⁠⁠⁠⁠

Intro 00:00

Is Direct Indexing Worth It 01:39

Earnings Season Update 17:01

401k In-Service Distributions 20:02

Bulletin Board 22:29

Planned Solutions, Inc.

⁠⁠⁠⁠⁠⁠https://www.plannedsolutions.com/⁠⁠⁠