Retirement Articles

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Little-Known New Tax Laws

December 1, 2004

The American Jobs Creation Act is a major tax law enacted quietly just before the elections. While primarily a corporate tax law, several provisions affect individuals and small businesses. Sales tax. In 2004 and 2005, individual taxpayers who itemize deductions have the option of deducting either state and local sales taxes or state and local […]


Equity Annuities: The Short Course

December 1, 2004

Are you still trying to figure out equity-indexed annuities? I’ve reviewed these popular products several times, including in September’s visit. An easy way to learn the details of these annuities is to read the free booklet, The Future of Retirement Savings. It is available from WealthMasters, Inc., (3200 N. Dobson Rd., Bldg. C, Chandler, AZ […]


Tapping Real Estate Equity, Part 2

December 1, 2004

The rapid real estate appreciation of recent years endowed many families with substantial real estate wealth but not enough cash. Real estate appreciation does not produce cash. But it does result in higher property taxes, and there are maintenance expenses to pay. Some families also are disappointed with having paper wealth that cannot be spent […]


Estate Planning: New Looks in 529 Plans

December 1, 2004

States are making big changes in their 529 college savings plans. These are the tax-advantaged plans that help people save for the education expenses of their children or grandchildren, or anyone else for that matter. Numerous forces caused the changes. It has been pointed out, in this newsletter especially, that after the 2003 tax law […]


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

Estate Planning Strategies For Winning The Trust Revolution

November 1, 2004

There’s a revolution taking place in trusts used for estate planning, and just in time. Trust use is soaring. Trusts are used frequently by middle class people, not only by the ultra-wealthy. The centuries-old law of trusts is changing in many states. Many of the alterations provide more protection and flexibility for estate owners. But […]

Don’t Overpay for Medigap

November 1, 2004

Medical care expenses are rising. Many retirees compound the problem by paying more for medical expense coverage than they should. The premiums on Medicare are increasing by 17.4% for 2005. You can’t do anything about that. But most people on Medicare also purchase Medicare supplement (or Medigap) insurance policies. Too many of these people overpay […]


Update: The John Unitas Estate and the Family Business Risk

November 1, 2004

The Johnny Unitas saga continues. A few months ago I wrote about how the NFL Hall of Famer’s inadequate estate plan caused divisions in his family and put the family business at risk. Things have gotten worse. John Unitas, Jr. won the latest round of court battles. The court ruled that he was supposed to […]


How to Protect Your Home from Extreme Weather

November 1, 2004

Hurricanes swept the east coast, giving many residents an education in homeowners’ insurance. You should get used to it. Weather forecasters say we probably are in a cyclical period of increased hurricanes and other extreme weather. Every homeowner should know the extent, and limits, of coverage for damage from extreme weather. What is covered? Insurance […]

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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