Why Chasing Yield Is a Bad Idea
A better overall strategy is to invest for total return.
Prudent Withdrawal Rate
Even if the probability of success for a 4% withdraw rate is less than some thought, it’s still strong when your portfolio is monitored actively.
Tax Benefits of Continuing Care Retirement Communities
Don’t overlook these benefits.
Who Really Wants to be a Millionaire?
Becoming a millionaire doesn’t happen on its own: it takes planning and perseverance. Here are some steps you can take to grow your net worth.
5 Steps to a Successful NUA transaction
Retirees who own their employer’s stock in their 401(k) plan have the potential for huge tax savings using an often-overlooked tax strategy known as net unrealized appreciation (NUA). How does…
More on Implementing the Plan: PHASE 3 of the AGILE Retirement Journey
The “I” phase of an A·G·I·L·E retirement is considered a crucial time to fine-tune your transition into financial independence.
IRS Says Gold Is Not an Investment
Gains from gold and gains from investments are taxed differently.
Cost of Healthcare for Retirees: Saving Tax Efficiently Can Have a Big Impact
Retirees will need to pay close attention to means-testing levels to help contain healthcare costs. This requires careful planning before retirement.
Annuity Traps Part 2: Death Benefits
While annuities can be an important way to build wealth, many individuals don’t realize how complicated these insurance products can be. In this article, we’ll walk you through what you need to know about annuity contracts and the five-year-rule.
Annuity Traps Part 1: Living Benefits
Learn about different types of annuities and understand how they can become a valuable component of your retirement plan.
How to Legally Transfer After-Tax Money into a Tax-Free Roth IRA
Understand your path for rolling after-tax money in employer-sponsored plans to a Roth IRA and the rules that need to be considered to complete this transaction properly.
The Potential Dangers of Rolling Your Company Stock into an IRA
If you own large quantities of company stock held within a retirement plan, rolling it into a tax-deferred IRA may not be the best strategy. Learn when a Net Unrealized Appreciation (NUA) transaction is the right choice to maximize your tax efficiency.
Avoiding the Unpleasant Surprise of a Mutual Fund Capital Gain Distribution
If you’re investing in mutual funds at the end of the year, exercise extra care to avoid paying tax on gains that are earned internally by the fund.
The Risks of Adding Your Child to Your Home’s Deed
Many people think it is a good idea to put their child’s name on the deed to their home, especially if one of the parents is deceased. Usually the motivation is…
What You Need to Know About RMDs
Many clients have questions about when they need to withdraw money from their IRAs and what the rules are for Required Minimum Distributions (RMDs). Learn how to evaluate distribution options and avoid penalties that arise when RMDs are not met.
When Should You Take Social Security?
Before you decide when to begin drawing Social Security benefits, you should evaluate a number of factors, including life expectancy and the financial challenges that face the Social Security system.
Does Your Estate Plan Still Need a Trust?
Estate tax exemptions are much higher than they once were. As a result, it may be worthwhile to review your estate plan and terminate trusts that are no longer needed.
Lump Sum or Annuity Distributions – What You Need to Know
With interest rates at a historic low, retirees should carefully consider their pension distribution options.
Contributing Too Much to Your IRA Can Cost You
Learn about contribution limits for traditional and Roth IRAs and get advice on how to minimize penalties if you’ve contributed too much in a given year.
Creating an Online Social Security Account
By creating an online Social Security account, you can review your annual statement, take a closer look at your earnings record, and verify that your tax payments are being credited correctly.
