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Your 20-Minute Estate Plan: Building a Lasting Legacy
Estate planning should be a key part of your financial planning. Unfortunately most planning experts shroud the topic in complex tax, legal, and insurance jargon that will disinterest most people. I’ve put together this report to provide you with simple, practical explanations that will help determine the right elements of your estate plan. To learn more, click the PDF below. […]
Big Stock Losses Don’t Always Mark a Good Time to Buy
Big Stock Losses Don’t Always Mark a Good Time to Buy Some bad stock advice that’s frequently repeated is to buy a stock because it’s down a lot from its peak. Something I’ve heard variations of many times is, “It’s down 70%. That makes it a good buy.” The data don’t support that argument. Stocks […]
Bob’s Journal for 4/6/23
Social Security Trust Fund Moves Closer to Depletion After last year’s annual report from the Trustees of Social Security and Medicare projected that the retirement trust fund would run out of money in 2034, I said it was too optimistic. The assumptions in the report didn’t seem realistic. It looks like I was right, since […]
Bob’s Journal for 3/30/23
Cash Management Makes a Comeback Years ago, both businesses and individuals focused on cash management. After years of being neglected because of low interest rates, cash management is making a comeback. Cash management is the practice of earning a decent yield on money, taking little or no risk, and maintaining liquidity by not locking the […]
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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. For these reasons, I’ve assembled all the key points – everything you need to know — into one comprehensive report. Click here today for free access.
Know the Truths and Half-Truths in Medicare Advice
One of the most important decisions for those 65 or older is the choice of Medicare coverage. The first big decision is whether to enroll in original Medicare or a Medicare Advantage plan. It is expected that in 2023, for the first time, half or more of Medicare beneficiaries will be enrolled in Advantage plans […]
Goldilocks vs. the Fed
A turn in the economy in early 2023 disrupted the plans of many investors and the Federal Reserve. As 2022 ended, investors were poised for inflation to hit the Fed’s 2% target without a recession and for the Fed to shift to an easy money policy by the second half of 2023. But the economy […]
The Facts About the 28% Tax Rate on Gold and Collectibles
The tax code doesn’t treat all investments the same. Investment assets designated as collectibles, such as gold, are treated less favorably than many others. The following are listed as collectibles in the tax code: any work of art, any rug or antique, any metal or gem, any stamp or coin, and any alcoholic beverage. The […]
Don’t Let the IRS Decide Your IRA Strategies
Most people with significant assets in IRAs and 401(k)s let Congress and the IRS determine their spending and distribution strate- gies. That’s a big mistake that can cost them and their families quite a bit of money. Most people don’t begin taking money out of their qualified retirement accounts until the required minimum distribution (RMD) […]
