Retirement Articles
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Understanding 2013’s New Taxes
It’s time to clear away the confusion about some new taxes for 2013: the 3.8% tax on investment income and changes that affect the alternative mini-mum tax. Act now, or you’ll have an unpleasant surprise when completing your 2013 tax returns in 2014. The 3.8% investment income tax is separate from all other taxes and […]
Holding Employer Stocks in 401(k)s
Employees who own company stock or other securities in their retirement plans should review their options. The American Taxpayer Relief Act of 2012 might have changed which is the best strategy for distributing the stock from the account. Many workers own shares of employer stock or other securities through 401(k) or other retirement plans. Few […]
Protecting Yourself from ID Theft
Identity theft isn’t making the headlines it did a few years ago. Yet, it’s still a problem. The FTC estimates that annually about 9 million Americans have their identities stolen, and this costs consumers about $5 billion. The FTC says fixing your credit after a theft takes about 175 hours and costs $1,173. In addition, […]
Reviewing the Estate Planning Basics
Now, only the very wealthy have to worry about Estate Planning. That’s what many people believe after the latest estate tax law, and that belief could cause a lot of problems for them and their heirs. Estate planning is more than tax reduction. Estate planning ensures that your wealth is transferred to those you want […]
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June 2013
June 27, 2013 04:45 p.m. Your Retirement Finance Week in Review I hope each of you has a good July 4th. Because of the light schedule in the market and economic data next week, I probably won’t issue a report unless there is a significant surprise. If all goes according to plan, I’ll be back […]
Estimating Retirement Medical Spending
Medical expenses are the wild card in all retirement plans. They are very difficult to estimate and control. Fidelity Investments has been putting out an annual estimate of retirement medical spending for several years. The good news in this year’s estimate is that the total retirement cost estimate is reduced, because medical spending increased at […]
Miscalculating Retirement Needs
Most people report that they are financially prepared for retirement, yet most economists and financial advisors say they aren’t. Why the discrepancy? A recent poll from Charles Schwab & Co. has a clue. Schwab polled wealthy workers and found that 80% of those making $115,000 annually believe that in retirement they’ll spend only $66,000 annually. […]
The Perils of Grandparenting
Grandparents are frequent targets of scams and cons. The scams leverage their status as grandparents to extract money from the seniors. The scams are so widespread and growing that the FTC has issued a warning about them. The general approach is the same. An individual claiming to be a grandchild contacts the grandparent and claims […]
