Financial Advice for Retirement, Social Security, IRAs and Estate Planning

Financial Advice for Retirement, Social Security, IRAs and Estate Planning


6 Estate Planning Strategies Most Affected by Interest Rates Changes

It still comes as a surprise to so many retirees… The outcome of key estate planning strategies often hinges on fluctuations in interest rates. So clearly, changes in rates should sway the choice, or timing, of these strategies. Some estate planning strategies generate more benefits when interest rates are low, while others provide more benefits […]


The Smart Way to Sell Stock & Fund Shares in Retirement

Far too many investors give the IRS far too much of their money. Why?  Because they don’t know a few simple rules. Chances are, you already know the basics of computing capital gains taxes when you sell shares, stocks and mutual funds. You have a gain or loss that is determined by subtracting your tax […]


How to Maximize Charitable Giving Tax Benefits in the New Tax Reform Law

Many savvy taxpayers will change their charitable giving strategies… now that they’ve had time to process the Tax Cuts and Jobs Act of 2017. For years I’ve advised that writing checks to charities each year, or more frequently, is an inefficient way to donate. It’s even less efficient now. The latest tax law made several […]

7 Secrets to a Wealthier Retirement

These [100% legal] strategies have helped tens of thousands of Americans strengthen their retirement nest eggs. Get Bob's new report, free of charge (along with a complimentary subscription to Retirement Watch Weekly, delivered to your email inbox each friday.)

The 6 Biggest Risks to your Retirement

What you don’t know about retirement can hurt you. In fact, just a few wrong decisions in your investments, taxes, or estate planning could completely derail your retirement plans. Worse yet, the rules of the game keep changing, making it harder to keep up with. For these reasons, I’ve assembled all the key points – everything you need to know — into one comprehensive report. Click here for free access.

In my new Retirement Watch Spotlight Series, I’ll share my newest breakthrough strategies for protecting your assets and growing your portfolio, including how to prepare for the next market downturn. Click here now to learn more about my monthly Retirement Watch Spotlight Series.

Retirement Watch Portfolios

PortfolioCumulative Return
True Diversification117.45%
Invest with the Winners Trading Strategy: ETFs71.72%
Retirement Paycheck49.47%
Income Growth45.46%


I greatly enjoy your Retirement Watch newsletter. Over these many years I have gleaned several helpful estate and investing suggestions with the most recent one being in your July, 2017 edition.

My little estate is nearing the $5.5M valuation, and I read on page 2 your suggestion that such size estates may want to consider stepping up their early gifting so as to possibly avoid any estate tax law changes.

That suggestion struck a chord, and so I have just completed a $227,000 (5% of my estate) early gifting program for 27 family and friends. With my successor trustee’s approval, that represents a potential $100,000 in avoided estate taxes at the 40% rate.

God and the economy willing, I expect to recoup that gifted amount within the next 36 months, and depending upon future estate tax laws, I hope to gift another $500,000 when I reach the $6M threshold.

Thanks for the clear and concise estate and retirement information. Again, my heirs and I have greatly benefited from your vast well of knowledge.

— Warren W. , San Jose, California

Bob Carlson taught me the breadth and depth of what I don’t know.
That’s why I recently renewed my subscription.

— Malcolm W. B., Grahamsville, New York

Bob Carlson does the mutual fund selection process for me—it simplifies my life! But it also gives me an option to be more active (for example, the Aggressive Growth Portfolio) if I want to be.

— Mike M., Los Angeles, California

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