Retirement Articles
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Bob’s Journal for 11/3/22
Social Security Benefits Will Increase 8.7% for 2023; Don’t Let That Change Your Strategy Because of the high inflation over the last 12 months, the 2023 cost of living adjustment (COLA) for Social Security benefits will be 8.7%, meaning benefits in 2023 will be 8.7% higher than in 2022. Don’t let that change your strategy […]
The Fed Continues to Tighten, and Markets Stagger
Do you believe Federal Reserve officials will do what they say? If you do, expect interest rates to rise higher and economic growth to continue declining. Fed officials say they’re determined to restore their anti-inflation credibility and bring the 12-month inflation rate much closer to their 2% to 2.5% target. The Fed leaders admit accomplishing […]
Medicare Premiums Reduced for 2023
Your Medicare premiums are likely to decline in 2023. In 2023, the average premi- um for a prescription drug policy under Part D of Medicare will decline by about 1.8%, to $31.50 from $32.08 in 2022, according to the Centers for Medicare and Medicaid Services (CMS). But this is only the average premium. There are […]
How Can Grandparents and Great-Grandparents Help Their Families?
More and more grandparents and great-grand- parents are the primary caregivers and source of support for their grandchildren and great-grand- children. The latest data indicate that 8% of grandparents, or 7.7 million, have grandchildren living with them. There are many reasons grandparents assume full responsibility for grand- children. The grandchild’s parents might have died. The […]
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Maximize the Tax Opportunities of the ‘Bridge Years’
Many retirees and pre-retirees go through a period called the “bridge years” but don’t take full advantage of the tax reduction opportunities of that period. The bridge years are a period when a person is phasing into or is in the early years of retirement. Income is lower, because the person no longer is working […]
11 Questions to Ask IRA Custodians
There can be time bombs and trap doors in your individual retirement accounts (IRAs). They are easy to find. Often, people don’t learn about them until it’s too late because they don’t know the questions to ask. Most people know to ask about the basic issues. They look for annual account fees, restrictions on investments, […]
The New Rules of Incentive Trusts
Incentive trusts were one of the hottest estate planning tools of the 1990s. Much has been learned about their advantages and disadvantages, and it’s import- ant for estate owners to know the lessons learned. Incentive trusts became popular among people worried that bequeathing their wealth might have negative impacts on their children and grand-children. They […]
How To Maximize the Tax Benefits of Estate Planning Gifts
Today’s high estate and gift tax exemptions could be slashed in a few years. Maximize those and other benefits now. The substantial increases in estate and gift taxes that were widely discussed in 2021 appear to be off the table, at least for now. But the current lifetime estate and gift tax exemption is scheduled […]
