Custodian Retirement Quotes

So we have in this summer of 1996, rerun or not, and as always, faithless custodians of capital making themselves multimillionaires and multibillionaires, while playing beanbag with money better spent on creating meaningful jobs and training people to fill them, and raising our young and retiring our old in surroundings of respect and safety.

And now the reader will ask what became of the three penguins' eggs for which three human lives had been risked three hundred times a day, and three human frames strained to the utmost extremity of human endurance. Let us leave the Antarctic for a moment and conceive ourselves in the year 1913 in the Natural History Museum in South Kensington. I had written to say that I would bring the eggs at this time. Present, myself, C.-G., the sole survivor of the three, with First or Doorstep Custodian of the Sacred Eggs. I did not take a verbatim report of his welcome; but the spirit of it may be dramatized as follows: First Custodian. Who are you? What do you want? This ain't an egg-shop. What call have you to come meddling with our eggs? Do you want me to put the police on to you? Is it the crocodile's egg you're after? I don't know nothing about 'no eggs. You'd best speak to Mr. Brown: it's him that varnishes the eggs. I resort to Mr. Brown, who ushers me into the presence of the Chief Custodian, a man of scientific aspect, with two manners: one, affably courteous, for a Person of Importance (I guess a Naturalist Rothschild at least) with whom he is conversing, and the other, extraordinarily offensive even for an official man of science, for myself. I announce myself with becoming modesty as the bearer of the penguins' eggs, and proffer them. The Chief Custodian takes them into custody without a word of thanks, and turns to the Person of Importance to discuss them. I wait. The temperature of my blood rises. The conversation proceeds for what seems to me a considerable period. Suddenly the Chief Custodian notices my presence and seems to resent it. Chief Custodian. You needn't wait. Heroic Explorer. I should like to have a receipt for the eggs, if you please. Chief Custodian. It is not necessary: it is all right. You needn't wait. Heroic Explorer. I should like to have a receipt. But by this time the Chief Custodian's attention is again devoted wholly to the Person of Importance. Feeling that to persist in overhearing their conversation would be an indelicacy, the Heroic Explorer politely leaves the room, and establishes himself on a chair in a gloomy passage outside, where he wiles away the time by rehearsing in his imagination how he will tell off the Chief Custodian when the Person of Importance retires. But this the Person of Importance shows no sign of doing, and the Explorer's thoughts and intentions become darker and darker. As the day wears on, minor officials, passing to and from the Presence, look at him doubtfully and ask his business. The reply is always the same, "I am waiting for a receipt for some penguins' eggs." At last it becomes clear from the Explorer's expression that what he is really waiting for is not to take a receipt but to commit murder. Presumably this is reported to the destined victim: at all events the receipt finally comes; and the Explorer goes his way with it, feeling that he has behaved like a perfect gentleman, but so very dissatisfied with that vapid consolation that for hours he continues his imaginary rehearsals of what he would have liked to have done to that Custodian (mostly with his boots) by way of teaching him manners.

So we have in this summer of 1996, rerun or not, and as always, faithless custodians of capital making themselves multimillionaires and multibillionaires, while playing beanbag with money better spent on creating meaningful jobs and training people to fill them, and raising our young and retiring our old in surroundings of respect and safety. For Christ’s sake, let’s help more of our frightened people get through this thing, whatever it is.

Six critical questions to ask your Guy 1. How are you paid? Fee-only advisers receive no compensation from the sale of investment products. All others do. You can’t count on an adviser who gets a significant portion of their pay in sales commissions. Period. Leave if they are not fee-only. 2. Do you have any conflicts of interest that influence the advice you provide? Financial advisers who are registered representatives get paid to sell insurance or annuity products promoted by their brokers. Ask how they choose the investments they recommend. Ask them directly how they are paid. 3. Will my assets be housed with an independent custodian—that is, a bank that is not selling the investment products? “Yes” is the only acceptable answer here.

Bernie Madoff’s firm did not use an independent custodian. Enough said. 4. Are your clients similar to me? If your adviser’s typical client is worth $1 million or more, and you aren’t rich, think twice. Your adviser may lean toward advice more suited to his or her richest clients. 5. What services do you provide? If the adviser’s primary service is investment advice, and you want a complete financial plan, this adviser is unlikely to be a good match. 6. Do you act in a fiduciary capacity toward your clients? Leave fast if the adviser doesn’t say yes.

Word to the wise: The IRA custodian is not required to notify your beneficiaries of these rules, and many will not. It’s up to you to let your heirs know about these requirements so that they don’t make an error and get stuck with unnecessary missed RMD penalties.

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**Fidelity IRA Deposit or Transfer Not Showing Up – Simple Solutions** > *"Nothing tests your patience like waiting for your retirement money to appear."* Did you notice that your **Fidelity IRA deposit or transfer is not showing up**? You're definitely not the only one. Most Fidelity investors see this happen once — or repeatedly, particularly close to contribution due dates or when moving between accounts. Before jumping to conclusions that something's amiss, it's reassuring to know the majority of instances of a **Fidelity IRA deposit or transfer not appearing** are actually **timing or processing delays**, not lost funds. Here's what typically is the cause — and how to resolve it immediately ???? --- #### ???? **1. Verify Transfer Type and Status** Log in to your Fidelity account and go to **Accounts → Transfer History**. If your **IRA deposit** or **IRA transfer** shows "pending," it is currently being processed. * **Bank-to-Fidelity transfers (ACH)** will take **1–3 business days**. * **IRA-to-IRA transfers** or **rollovers** from another institution (e.g., Vanguard or Schwab) will take **5–10 business days**, subject to verification procedures. --- #### ???? **2. Confirm Contribution Year and Account Type** Sometimes your **Fidelity IRA deposit** doesn't appear where you expect it to because it was made to a **alternate contribution year** or a **Roth, instead of Traditional IRA**. Check your **contribution summary** to ensure money was disbursed correctly — especially around tax time. --- #### ???? **3. Confirm Outside Bank Details** If your **Fidelity IRA transfer** came from an outside bank, double check your **routing and account numbers**. Even minor entry errors can delay transfers or require Fidelity's intervention to trace the money. --- #### ⏳ **4. Allow Settlement and Verification** In custodian-to-custodian transfers, Fidelity will require **verification of ownership** and **settlement of funds** before posting. This slows down timelines — but it's all part of federal regulation (specifically for IRA rollovers and trustee-to-trustee transfers). --- #### ☎️ **5. Connect with Fidelity IRA Support** If your **Fidelity IRA deposit or transfer is not appearing after 5 business days**, contact directly by [Fidelity IRA Contact Support Share your confirmation number and the precise date of transfer — they can trace the status of deposit or find it in processing. --- > *"Your retirement money deserves your attention, but sometimes it just needs a little time to arrive safely."* If your **Fidelity IRA deposit or transfer is not appearing**, remain patient, check your transfer history, and reach out to support if necessary. The lag is generally always procedural — and your money is held securely every step of the way. #Fidelity #FidelityInvestments #IRA #Finance #RetirementPlanning #Investing #FidelityIRATransfer #DepositNotShowingUp #PersonalFinance #InvestorExperience

**401(k) Rollover to an IRA: Steps, Timing, and Tax Tips** > *"Your retirement shouldn't stay where your old job did."* If you've recently changed jobs, one of the smartest money decisions you can make is a **401(k) rollover to an IRA**. It's a simple, tax-smart way to take command of your retirement funds — but only if you do it correctly. A **401(k) rollover to an IRA** gives you **more investment choices**, **lower cost fees**, and **more control** of your long-term plan. Here's how to do it right, without tax frustration or delay. ???? #### ???? **Step 1: Choose the Correct IRA Custodian** Prior to starting your **401(k) rollover to an IRA**, decide where you want your money to go — Fidelity, Vanguard, Schwab, or another custodian you're comfortable with. Compare investment options, costs, and types of accounts (Traditional or Roth IRA) to find the optimum combination for your retirement. #### ???? **Step 2: Request a Direct Rollover** Always request a **direct rollover** — when your old 401(k) employer sends the funds **directly to your IRA**. This keeps the process **tax-free and penalty-free**, since you never have your hands on the money. **Avoid:** Indirect rollovers (having the check sent to you). The IRS requires you to redeposit those funds within **60 days** or they'll be taxed as income — along with a 10% penalty if you're under age 59½. #### ⏳ **Step 3: Be Aware of the Timing** A **401(k) rollover to an IRA** typically takes **5–10 business days**, depending on your old company's plan. You will receive a confirmation email the moment your money arrives and is ready to invest. In case it has been more than two weeks, contact the old and new custodians to track the transfer. #### ???? **Step 4: Know the Tax Consequences** The type of **401(k) rollover to an IRA** dictates your tax treatment: * **Traditional 401(k) → Traditional IRA**: No taxes payable now. * **Roth 401(k) → Roth IRA**: No taxes payable now. * **Traditional 401(k) → Roth IRA**: This is a **Roth conversion** — you’ll pay taxes on the rolled-over amount but enjoy tax-free withdrawals later. **Pro Tip:** If you’re planning to roll over to a Roth IRA, do it during a **low-income year** to minimize taxes. #### ???? **Step 5: Reinvest Your Funds Wisely** Once the **401(k) rollover to your IRA** is complete, reinvest your funds right away. Consider low-expense index funds or target-date portfolios diversified according to your retirement timeline. > *"A 401(k) rollover to an IRA isn't just a transfer — it's a reset button for your financial future."* Whether you're looking for greater returns or simply greater control, rolling over your **401(k) to an IRA** is one of the smartest retirement moves you can make. With good timing, careful planning, and savvy tax strategy, your savings can continue growing — with less tension and taxes. #401kRollover #401kRolloverToAnIRA #Retirement #Finance #Investing #FidelityInvestments #RetirementPlanning #PersonalFinance #MoneyManagement #TaxTips