Tax-Efficient Investing: Why Tax Planning and Investments Should Work Together
Managing an investment portfolio efficiently requires knowledge of income taxes and your tax bracket specifically.
10 Years Later: Lessons Learned from the Bernie Madoff Scandal
Since his deceit was revealed, there are still many unanswered questions. Despite these questions, there are lessons that fraud can teach all investors to avoid becoming victims of the next Madoff.
How Do Retirees Get Paid in Retirement?
What happens when the paychecks stop, and retirement begins? It is one of the most pressing questions we hear from people approaching retirement.
The Difference Between Stock Options and Restricted Stock Units (RSU’s)
Complexity abounds with respect to a RSU or option decision.
Understanding the Tax Implications of Company Stock Based Compensation
If you are an executive at a large company, you may receive stock in your company at some point as a form of compensation.
Investment Strategy
Should you sell when the stock market is high or buy more? We’ll help you plan an investment strategy on this edition of Project Wealth.
How To Title Your Cars To Limit Liability
Understanding how your assets are titled is a major tool to protect your wealth.
Why You Should Consider Donating Stock to Your Church in 2018
How to pay it forward in 5 easy steps
How To Avoid Being Double Taxed On Your After-Tax IRA Contributions
The primary goal of income tax planning is to pay the least amount of tax possible. Good tax planning should include avoiding paying tax on the same income twice. One…
When and Why You Should Convert an IRA to a Roth
The Tax Cuts and Jobs Act of 2017 (TCJA) eliminated the ability to use recharacterization to reverse the conversion of a Traditional IRA into a Roth IRA. The process of undoing a Roth…
How We Choose Funds for our Clients’ Investment Portfolios
The Dow Jones Industrial Average has just passed 23,000 as I am writing this newsletter. Clients typically ask if there are any good places to invest, and this topic comes up…
What Does It Mean to Be a “Retirement Specialist”?
The Rodgers & Associates logo includes “The Retirement Specialists.” The home page of our website says we “specialize in financial planning for those who are retired or expect to retire within…
Don’t Retire Broke!
The New Three-Legged Stool A Tax-efficient Approach to Retirement Planning was published in June of 2009. People had been told for years that they would be in a lower tax bracket…
Retirement Withdrawal Mistake #1: Killing the Goose that Lays Golden Eggs
Withdrawing extra funds from your retirement account can diminish your future income stream.
Variable Annuities: How To Evaluate Whether You Should Keep One
Unfortunately, it is not uncommon to meet prospective clients who attended an “informational” seminar, got a nice steak dinner, and ultimately purchased an annuity that may cost them thousands of dollars…
Follow the Rules When Rolling Over Your Employer-Sponsored Retirement Plan
Know your options and follow these rules to help prevent costly rollover mistakes.
7 Steps To Follow When You Receive a Pension Buyout Offer
Nearly 200 companies have made significant changes to their pension plans over the past 10 years. Plan terminations, freezes and benefit formula adjustments are some of the changes companies are…
Why Standard Deviation Matters When Choosing Investments
Volatility often causes people to make decisions that may not be in their best interest.
Three Key Assumptions To Make in Financial Planning
When comparing results between retirement projections make sure you understand the assumptions of each plan.
Five Strategies for High Income Earners to Deal with the New Tax Rules
The American Taxpayer Relief Act of 2012 (ATRA12) prevented higher taxes for many taxpayers but those in the top two tax brackets will experience an increase in taxes in 2013…
