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Higher interest rates are making annuities more popular than ever, but misun- derstandings keep many people from taking advan- tage of annuities. Insurers have been dealing with waves of applications as yields on multi- year guaranteed annuities (MYGAs) leapt to 3%, 4% and then above 5%. Let’s look at the misunderstandings that keep people from […]
For many people, reducing taxes is the easiest, fastest way to increase investment returns, put a retirement plan back on track, beat inflation and enhance retirement security. Retirees and pre-retirees often leave a lot of money on the table for the IRS to scoop up because they don’t execute the key tax reduction strategies that […]
A little more than a year ago, there was an aggressive effort in Congress to eliminate back door Roth IRA strategies. The effort failed. The back door Roth IRA strategies remain available to create a future stream of tax-free gains and income. A back door Roth IRA strategy is necessary in two situations, and there […]
Interest rates are much higher than they were a year ago. That increases the tax benefits of certain strategies, such as the charitable remainder trust (CRT). There are many uses of a CRT. It can be used to convert highly appreciated investment property into a stream of income at a low tax cost. Another use […]
In my new Retirement Watch Spotlight Series, I’ll share my newest breakthrough strategies for protecting your assets and growing your portfolio, including how to prepare for the next market downturn. Click here now to learn more.
A revocable living trust, also known simply as a living trust, is a valuable and widely used estate planning tool. But married couples often wonder whether they should have one joint living trust or two separate trusts. The assets owned by a living trust avoid probate. The trust structure also can make it easier for […]
It doesn’t take much to send a solid retirement plan off the rails. Fortunately, the likely causes of retirement failures are well-known and often avoidable. Here are the six most common reasons retirement plans fall short of their goals: 1. Helping too much People often dip too far into their retirement funds to help loved […]
The Holiday Conundrum Most years from Thanksgiving through New Year’s Day, my wife, Elaine, and I like to watch a lot of the classic holiday movies and shows. We watch something when we want to instead of when someone’s broadcasting it, so I used to record them and now mostly track which streaming services they’re […]
The economy and markets took many people by surprise in 2022. In the latest Retirement Watch Spotlight Series, I review what happened and discuss what I think is likely to occur in the first half of 2023. I show you the current readings from my early recession warning indicators, explain in detail where I think […]
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