Past issues of the Insights weekly newsletter from Rick Rodgers, Certified Financial Planner.
5 Ways to Take Advantage of the Market Downturn
Look for opportunities created by lower markets, which include evaluating employer stock, performing Roth conversions, and investing before the market rebounds.
It Takes Planning to Reduce Your Medicare Premiums
With appropriate income withdrawal strategies, a retiree can lessen their exposure to IRMAA surcharges.
Becoming Financially Independent Part 3: Build Your New Three-Legged Stool™ and Help It Grow
It’s just as important to diversify how funds are saved as it is to diversify how they are invested.
Becoming Financially Independent Part 2: Do Not Disturb Accumulation, Do Not Overlook Consolidation
Do not spend money that has been accumulated for financial independence. Invading long-term savings extends the time it will take to achieve a goal.
The Three Things That Matter Most in Our Retirement Investment Strategy: Allocation, Allocation, Allocation
The myth that security selection and market timing are keys to investment success may drive many to make poor investment decisions.
Spending – The Overlooked Part of the Retirement Equation
Lee Eisenberg wrote a book in 2006 about the amount of money and resources people will need to enjoy the active life they desire, mostly post-career, titled THE NUMBER: A Completely Different…
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.
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.
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.
Retirement Really is a Journey, Not a Destination
A successful retirement plan starts long before the last day of employment and considers both financial and lifestyle decisions along each individual’s unique journey.
Is a Testamentary, Dynasty, Incentive or Spendthrift Trust Right for Your Family?
Establishing a trust can be a prudent way to pass assets from one generation to the next since it addresses issues that may arise from transferring wealth outright.
How Tax-Efficient Will Your Withdraws be in Retirement? What’s Your R/D Factor™?
Our New Three-Legged Stool™ strategy and R/D Factor™ help us keep taxes lower for our clients in retirement
The Biggest Key to a Happy Retirement? Your Health
By exercising regularly, watching what you eat, and getting enough sleep, you can slow the aging process and feel healthier than ever before in retirement.
What is YOUR Purpose in Retirement?
Finding ways to do what you love and setting personal goals can ease the transition from employment to a productive retirement.
Congratulations! You’re Retired… Now What?
Once you retire from your job, you have a number of decisions to make—and a number of ways to spend your time. These guidelines will help you refine your priorities and manage this new phase of life.
Why Business Owners Should Diversify Their Portfolios
The content of this newsletter was originally published on CPBJ.com. I was playing golf with a friend a few weeks ago. We have known each other for a couple of years and met…
Why 70% of Wealth Never Transfers to a Third Generation
The youngest of the baby boomers will reach age 50 this year. Those at the other end of the generation are fast approaching age 70. The greatest wealth transfer is…