Retirement Articles
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Don’t Overpay For Medigap Coverage
Too many original Medicare beneficiaries pay much higher premiums than they should for Medicare Supplement, or Medigap, coverage. It’s important to have a plan to pay for the gaps in original Medicare coverage, as I discussed in last month’s issue. The best choice often is to buy a Medigap policy, which is a two-step process. […]
How To Capture All The IRA Investment Benefits The Tax Law Allows
Stocks and bonds are down, so investors are looking for investment alternatives. Your IRA can invest in a lot more than stocks, bonds and mutual funds. IRAs can own real estate, private businesses, hedge funds, mortgages, tax liens and more. But only a certain type of IRA can own those other assets. Most IRA custodians […]
How to Plan for Family Conflicts, Difficult Beneficiaries and Disinherited Heirs
A difficult or irresponsible potential heir can wreak havoc on your estate if you don’t recognize the risks and plan for them. It doesn’t take much for a person to mount a will contest or other legal attack on your estate plan, upending the entire plan. Court records are filled with cases in which a […]
You Need to Get Medicare Prescription Drug Coverage Right This Year
A key to successful retirement is having prescription drug coverage that’s right for you. The out-of-pocket difference between prescription drug plans can be tens of thousands of dollars, or more, over the course of one’s retirement. Medical expenses are a significant retirement cost that increases over time. Most post-middle-age Americans take more than one prescription […]
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Economic Data Shows Continued Strength
The big issue for investors in the coming months is how the Federal Reserve will react to continuing strength in the labor market. Right now, the labor market is strong almost any way you measure it. Indeed, the unemployment rate is extremely low and has been for some time. The number of job openings exceeds […]
Should Annuities Be Part of my Retirement Income Strategy (And How Much)?
More and more retirees are asking about annuities. Funny thing is… For many of you, part of your retirement income is already delivered as an annuity payment. Social Security is technically an annuity, providing guaranteed income for life. It also has the bonus of being indexed for inflation. Most economists recommend people purchase immediate annuities […]
Medicare In-Home Services Expanded For some
In 2019, Medicare Advantage plans in about 20 states will be able to cover a range of home services that generally aren’t considered medical care and haven’t been covered in the past. It’s part of an experiment to see if providing these nontraditional services will improve health and medical outcomes for beneficiaries. The shift reflects […]
The 2018 Year-End Checklist for Retirees and Near-Retirees
Year-end financial planning is much more than tax planning, and it is very different this year. Making the right financial moves before Dec. 31 each year can extend the life of your nest egg. It is especially important to make shrewd moves as the year closes. You have to incorporate changes made by the Tax […]
