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

Retirement Articles

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6 Estate Planning Strategies Most Affected by Interest Rates Changes

March 23, 2018

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

March 16, 2018

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

March 9, 2018

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 […]


5 Strategies to Simplify Your Retirement Finances

March 2, 2018

Most people’s finances are too complicated. And what I’ve found – after 20-plus years of publishing Retirement Watch – is that complicated finances lead to procrastination and stress. Too much time is spent simply organizing papers and data to figure out where things stand. By then, people are too exhausted to make decisions or implement […]

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.


The Revocable Living Trust “Transition Strategy”

February 23, 2018

Last week, we reviewed the pros and cons of the Power of Attorney and Revocable Living Trust (click here for Part 1). For retirees who choose the revocable living trust, it’s important to understand all the options available. For starters, after identifying your trusted person, establish a revocable living trust naming the person as current […]


Power of Attorney vs. Living Trust: Pros & Cons

February 16, 2018

Which is the best way to protect your assets, smooth the transition of your estate, and make life easier for you and your heirs… Power of attorney or revocable living trust? Truth is, most estate plans need both a power of attorney and a revocable living trust. So the better question is:  Which one should cover the bulk of your assets? Over the […]

6 Problems that Can Crush Your Retirement Plan Goals

February 9, 2018

It’s the story I hate to hear from my readers… People who planned well for retirement but saw their hard work and planning fall apart during retirement. These stories are all too common. Yet the causes of most of these retirement failures are well-known. Avoid these 6 problems and recurring mishaps, and your retirement is […]


2017 Tax Reform: A Game Changer for Retirement? (Part 2)

February 2, 2018

Editor’s Note:  This week, we’re continuing our deep dive into the Tax Cuts and Jobs Act of 2017.  Click here to get caught up on Part 1 of our story: The 2017 Tax Reform Law and Your Retirement Finances Some readers are asking about the charitable contribution deduction, of which there are a few changes. […]

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