Retirement Articles
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Which Investments For Tax-Deferred Accounts?
The tax law can make the simplest decisions difficult. For example, which investments should be put in your tax deferred accounts, and which in your taxable accounts? The answers might not be what you think. A little over a year ago I challenged the conventional wisdom on how best to split your investments between taxable […]
A Roth IRA – Estate Planning For Your Grandchild’s Retirement
I keep scratching for traps in the new Roth IRAs. Surely Congress and the President wouldn’t create a vehicle with a genuine incentive to save and invest, I cynically think. But it is tough to find a major trap in the Roth IRA. In fact, there seem to be many attractive ways to use Roth […]
Solving The Snowbird Health Care Dilemma
There’s a bit of trouble in paradise for some northern snowbirds who migrate to warm weather states for the winter. That trouble is health care. It is especially bad if you belong to a health maintenance organization, but also affects those covered by one of many private insurance and medigap plans. HMOs tend to be […]
The 8-To-1 Life Insurance Pay-off
I’m not a big fan of using permanent life insurance to solve estate planning problems. I think with some planning most estate planning goals can be reached with low-cost term insurance and other strategies. But there is a type of life insurance that can be very attractive. In fact, this insurance has such a big […]
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Tax-Advantaged Ways The Business Can Support The Whole Family
If the people I know are any indication, many of you are supporting more than one generation of your family, or anticipate doing so in the near future. You might be supporting family members who were independent for years. Perhaps one or more of your parents or siblings needs help now. Or one of your […]
Avoiding A Surprise When Estate Planning Gifts To Grandchildren
Leave it to the law to make an unpleasant situation worse. Here’s one they didn’t teach in law school, but you need to know about it. We only stumbled upon it when Renee and I were reviewing our own Estate Planning. An unfortunate combination of events could lead to an unpleasant surprise for grandparents who […]
Those Dangerous Fund Rating Systems
The books are securely closed on 1997, and that means we’re being bombarded with the annual fund ratings and rankings from many publishers. I know many of you review these publications, because you regularly ask me why I recommend a fund that received a low rating from a service or am not recommending a fund […]
Deducting Your Investments As A Business
The only “job” most retirees have is managing their portfolios. It probably is one of the most important jobs you’ve ever held. The portfolio has to help meet expenses for the rest of your lifetime, and it will be part of any legacy you leave. If you are like most retirees and pre-retirees, there is […]