NBES celebrates arrival of fall Weaverville


ALL ROLLED INTO ONE


by Michael Creasman, CFP


Retirees, em-


ployees facing layoffs, and work- ers


switching


jobs must make the decision of


whether to leave their retirement funds with their old employer or move them to an IRA. Usually, it makes sense for retirees and job-changers to roll their 401(k)s into a traditional or Roth IRA because they offer more investment choices than company plans. Tese ac- counts also provide the flexibility of al- lowing contributors to take their mon- ey out. Restrictions on 401(k) plans vary, with some limiting the frequency on withdrawals and others setting all- or-nothing restrictions. For simplicity’s sake, a good argument can be made for rolling all 401(k) accounts into a single IRA, which makes it easier to monitor the investments, set appropriate asset allocations, and rebalance. HINT: Workers who retire or get


laid off between the ages of 55 and 59.5 can take penalty-free withdrawals from their 401(k)s. Otherwise, if they roll their money into an IRA, they must wait until age 59.5 to withdraw without penalty. Changing or leaving a job requires


several adjustments, including a new lifestyle and new colleagues and proj- ects. In the middle of all this change, make sure your 401(k) moves with you. At CREASMAN 401(k) PLAN ADVISOR, INC., we consider finan- cial planning a comprehensive, ongo- ing process that involves managing all areas of a client’s finances – from start- ing their career, to changing careers, to retiring. Diversification and your temperament for risk are at the center of all investment plans. Please call us at 828-253-7231 to schedule a consul- tation. Our office is located at 1328F Patton Ave. www.creasmanfp.com


C MBATZONE Perko band competition Te North Buncombe BlackHawk Band will host the sixth annual John


L. Perko Classic Marching Band Competition on Oct. 30. Nine bands from North Carolina and Virginia will perform, and the BlackHawks will have exhibition performances. Competition starts at 3:45 pm. Tickets are $5 for adults and $4 for students. Go to blackhawkband.com for more information.


www.leicesterleader.com


1472 Patton Ave. • Asheville, NC (Across from Sky Lanes Bowling Center)


828-736-5511 ammo: currency for the


new millennium!


Camo • Tactical Gear •


Fobus • Airsoft guns & supplies • Army Surplus • MREs


Military and Civil Air Patrol Discounts No Double Discounts CIA@charter.net • www.ashevillecombatzone.com


October 21 - October 27, 2010 - THE TRIBUNE/LEADER 9


.357


NEED AMMO? COME TO THE AMMO DEPOT!


YES WE CARRY BULLETPROOF VESTS


.45 AND MORE!


.308 7.62 X 39


.223


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