Retirement Articles

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Last Chance for IRA Charitable Contributions

December 1, 2007

We are approaching a last chance for some taxpayers to use IRAs to make tax-advantaged gifts to charity. The tax break is set to expire after Dec. 31, 2007. The Pension Protection Act of 2006 allowed IRA owners who are at least age 70½ to make gifts directly from the IRA to a charity. The […]

November 2007

November 1, 2007

November 27, 2007 01:25 p.m. Some Portfolio Changes The markets and headlines have been rolling like the ocean surf before a major storm. Try to adjust your portfolio based on the latest sentiment and you will be changing the portfolio every few days. We focus on longer-term trends than the latest headlines, and those trends […]


First Financial Steps for Young Adults

November 1, 2007

Most young people enter the work force with quite a bit of debt. Even those without debt have ambitions for cars, homes, clothes, and other things. The issue for most young adults is how to sort out their spending and saving goals. Should they pay debt first? Save for the down payment on a home? […]


How to Vary Spending During Retirement

November 1, 2007

The traditional retirement plan projects that spending will rise steadily each year in line with inflation. That model does not work well for today’s retirees. When retirement lasts 20 or 30 years or longer, a more realistic model of spending and scheduled withdrawals is needed. A retiree wants to avoid a spending and withdrawal schedule […]


What you don’t know about retirement can hurt you. In fact, just a few wrong decisions in your investments, taxes, or estate planning could completely derail your retirement plans. Worse yet, the rules of the game keep changing, making it harder to keep up. For these reasons, I’ve assembled all the key points – everything you need to know — into one comprehensive report. Click here today for free access.

Estate Planning

Wise Estate Planning Strategies to Plan Gifts

November 1, 2007

In last month’s visit we discussed probable changes in the estate tax that mean many people should restore regular giving to their estate plans. This month, we will talk about the details of gift giving plans so you can avoid big giving mistakes many people make. The goal of annual gift giving is to remove […]

Little-Known IRA Tax Saver

November 1, 2007

Many workers own shares of employer stock through 401(k) or other retirement plans. Few of these workers, or even their financial advisers, know the tax break that is available to substantially reduce the tax burden from selling those shares. With a little planning and by following a few steps, workers can substantially reduce the tax […]


Five Myths of Business Succession

November 1, 2007

Few small firms survive past the first generation of owners. That is well-known. Most people assume the business failures are due to the inadequacies and mistakes of the succeeding owners and managers. At least an equal share of blame goes to the founding owners who do not properly develop and implement succession plans. With proper […]


More Ways to Boost Medical Deductions

November 1, 2007

A small percentage of taxpayers deduct medical expenses. That is partly because of the deduction limits. It also is because many people do not know all the costs that qualify for medical expense deductions. Medical expenses can be deducted only by those who itemize expenses on Schedule A. They deduct only the medical and dental […]

October 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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