Retirement Articles
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Multiplying the Money Available for Long-Term Care
Traditional long-term care insurance might be dying, but there are other, and probably better, ways to protect your family and assets from the potentially onerous costs of long-term care. In 2017, only 66,000 traditional long-term care (LTC policies) were sold. That’s 10% of the number sold 20 years earlier. Steep premium increases on existing policies […]
7 IRA Strategies to Consider for Year’s-End 2018
It is time for IRA owners to be proactive by planning and implementing their strategies for the rest of the year. There are many steps that can in-crease the after-tax wealth of your IRA.These actions can reduce income taxes,avoid penalties, increase after-tax investment returns and more. But you don’t want to be like most people […]
Avoid the Gift Tax Return Trap
You might need to file a gift tax return,even if you won’t owe gift or estate taxes.The IRS can impose penalties for not filing a gift tax return, even when no tax was due. The IRS began clamping down on unfiled gift tax returns a few years ago, because many people don’t know the gift […]
Social Security Benefits Increase for 2019
Social Security beneficiaries will receive the largest annual cost of living increase (COLA) since 2012. It’s all thanks to a higher Consumer Price Index and the Fed’s quantitative easing policy. The maximum amount of earnings subject to the Social Security tax will increase to $132,000. The earnings limits for workers under full retirement age also […]
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Avoiding the Major Mistake Made with Most Trusts
Many people leave money on the table and holes in their estate plans when they use the traditional approach to creating and planning trusts. The traditional approach is to name one trustee to manage every-thing about the trust. Sometimes this is a professional trustee, such as a bank or trust company, but it also could […]
Medicare Premiums Rise For 2019
Medicare announced the premiums and other costs for 2019. There’s a modest increase in the standard Part B premium to $135.50 per month from $134.00. As income increases, so do Part B premiums under the Medicare Surtax, or IRMAA, provision. This is where it can get very expensive for very high earners. For 2019, there […]
Are Equities Joining a Global Trend?
The decline in U.S. stock indexes in the last week or so could mean those equities are finally joining a global trend. Most assets have negative returns for the year. Before the decline began from record highs on Sept. 20, we had some warning signs. The major U.S. indexes were hitting new highs, but significant […]
How to Build Your Long-Term Care Plan
The cost of long-term care is one of the major retirement financial worries. Survey after survey confirms that. The data also confirms that few people do anything about long-term care, other than worry. One survey even found that many people would rather go to the dentist than talk to someone about long-term care. That needn’t […]
