Retirement Articles
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Don’t Be Scared By Those Estimates of Retirement Medical Spending
The biggest financial worry of retirement happens to be among the most manageable and easiest to conquer. Surveys routinely show that Ameri-cans are most concerned about retirement medical expenses. Even high net worth individuals say they’re worried post-career medical care will deplete their assets. It’s no wonder. Every year we’re faced with fresh estimates of […]
7 Critical Year-End Actions to Take with IRAs and 401(k)s
This is not the year to procrastinate about year-end retirement account and tax planning. In the last weeks of every year, I receive a stream of emails from readers asking about transactions they are considering by the end of the year. In most cases, even if they can analyze the situations and decide on the […]
Supreme Court Shuts Down a State Scheme to Tax Out-of-State Trusts
States have been aggressively trying to expand their tax bases, and their efforts aren’t always successful. The U.S. Supreme Court recently shut down an attempt by North Carolina, which other states have fully or partially replicated, to impose income taxes on what are essentially out-of-state trusts. In the case, the trustee resided in Connecticut, the […]
Digital Estate Planning: How to Organize and Protect Your Digital Assets and Transactions
Your estate plan is incomplete if it doesn’t have arrangements for your digital life, including accounts, files, trans-actions and more. Technology is taking a greater role in our lives, even for those who consider themselves Luddites. It took a while, but estate law finally is just about caught up to technology, and it’s essential to […]
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Do Retirees Own Too Much Stock?
What’s the right amount of stock for you? That’s the question we explore in the latest Retirement Watch Spotlight Series online seminar. Ask the experts, and you’ll receive a wide range of answers. More importantly, the latest research has concluded that most retirees have far too much stock in their portfolios at retirement. This issue […]
Bob’s Journal for 9/12
Over the last seven days, I’ve seen several reports and developments that you should know about. August was a great month for long-term treasury bond investors. In fact, it ranks among the best ever, as I reported a couple of weeks ago. Things changed quickly last Thursday, Sept. 5. Interest rates increased sharply, and the […]
Estate Planning Checklist – 10 Simple Ways to Protect Your Assets, Part II
Here’s Part II of my retirement Asset Protection Plan. To review Part I, click here. 6. Create trusts. Irrevocable trusts usually protect assets from creditors of either the grantor or the beneficiaries of the trust. They also ensure that the assets are out of your estate for tax purposes. A good asset protection trust should […]
Bob’s Journal for 9/5
Even with the Labor Day break, there were many interesting developments in the markets and economy over the last week. I told you last week about the strong bull market in U.S. Treasury bonds in 2019 and especially in August 2019. But not all bond investors are participating fully. The three biggest names in bond […]
