Retirement Articles

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estate planning

Use Retirement Planning Software with Care

November 10, 2016

You can find plenty of no-cost and low-cost retirement calculators on the Web. The software helps you determine if you have saved enough money for retirement. My advice always has been that it’s best to use several programs, compare the results from the different programs, and prefer programs that let you change all or most […]

Estate Planning

Could You Be Saving Too Much for Retirement?

November 10, 2016

The media regularly run headlines about how Americans are unprepared for retirement, primarily because they haven’t saved enough. But there’s another view that doesn’t receive as much attention. In this view, many people might be saving too much for retirement. That could be good news for their heirs, but they could be shortchanging themselves. Using […]

New Rulings Show Importance of Checking IRA Beneficiaries

November 10, 2016

A series of recent IRS rulings shows how important it is to review carefully your IRA beneficiary designations. The rulings show that your will and other documents don’t matter. Only the beneficiary designation form on file with the IRS custodian or trustee matters to the IRS. In the rulings, an IRA owner had IRAs at […]

Weighing the Pros and Cons of IRA Conversions

November 10, 2016

Forget all you’ve heard about converting traditional IRAs into Roth IRAs. There are too many rules of thumb, shortcuts and plain misinformation floating around. Also, circumstances change. You might have evaluated the conversion option a few years ago and reached a decision. You should re-evaluate that decision regularly, because important factors might be different now. […]


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IRS Announces 2017 Estate, Income Tax Adjustments

November 10, 2016

The IRS announced the inflation-indexing of many tax provisions for 2017. The lifetime estate and gift tax exemption will increase to $5,490,000 from $5,450,000 for the estates of those who pass away in 2017. That gives married couples a potential joint exemption of $10,980,000. The annual gift tax exclusion remains at $14,000 in 2017, where […]

estate planning

Enhancing Your Estate Planning Legacy with a Family Love Letter

November 10, 2016

Your estate plan is part of your legacy, but your legacy should be more than financial assets, material possessions and legal documents. For more and more people, the final touch to their estate plans is what sometimes is known as an ethical will. I call it a family love letter. Others have called it a […]

estate planning

5 Best Options for Meeting Estate Planning Goals Without Wills and Trusts

November 10, 2016

Many Estate Planning goals can be accomplished without wills and trusts. Using other tools can spare you some of the expense and complications of wills and trusts. These strategies also cause the assets to avoid the delay and expense of probate, transferring the title of each asset automatically to the person you intended. But these […]

Talking Investing with David Swenson of the Yale University Endowment

November 8, 2016

The longtime head of the Yale University Endowment is famous in money management circles but not so much elsewhere. In this article, The New York Times talks to him about his career, strategies for managing money, and more. In a series of extended interviews, he and more than a half-dozen of his investment-office veterans discussed […]

November 2020:

Congress Comes for your Retirement Money

A devastating new law has just been enacted, with serious consequences for anyone holding an IRA, pension, or 401(k). Fortunately, there are still steps you can take to sidestep Congress, starting with this ONE SIMPLE MOVE.

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