Retirement Articles
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Don’t Own Stocks for the Long Run
Stocks for the Long Run is a best-seller by Jeremy Siegel and is the basis for the stock-centered portfolios that dominate in the U.S., even among retired investors. Siegel’s argument is that over the long-term stocks earn substantially higher returns than the alternatives. Stocks do have higher volatility. But because of the higher returns, investors […]
Where Not to Retire
Few people realize that taxes are one of the largest expenses in most retirement budgets. It’s not only the federal income tax you should be concerned about but the full range of state, local, and federal taxes. The state and local taxes vary considerably. Also, some areas give tax breaks to the silver set, while […]
Taking Too Much Risk in Retirement
Investing in retirement is a relatively new field. We’ve been leaders in developing strategies that differ from the long-time conventional strategies, but people have been slow to follow. Most retirement portfolios are either too conservative or too risky. On the latter side are portfolios that continue the same allocation the owner adapted many years before […]
Delay Social Security, Buy Annuities
Your federal government is giving you retirement planning advice. The General Accountability Office issued a report July 1 titled “Retirement Income: Ensuring Retirement Income Throughout Retirement Requires Difficult Choices.” You might ask why the government is giving you and others retirement advice. The GAO compiles and issues reports after a member of Congress requests one. […]
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Fees that Kill Retirement Plans
Most investors know whether they are buying load or no-load mutual funds. But few investors know how much they’re paying in fees on their retirement accounts, especially 401(k) plans. There are a number of fees imposed on some accounts. They’re disclosed, somewhere. It’s not always easy to find a total for the fees you’re paying. […]
Still Taking Advantage of the 0% Tax Rate
The 0% tax rate still is in effect. Created for select taxpayers for 2008-2010, it was extended with other tax breaks in the December 2010 tax deal in Washington. The 0% tax rate applies to long-term capital gains and qualified corporate dividends earned by those in the two lowest income tax brackets. For other taxpayers […]
Transferring Digital Accounts for Estate Planning
An overlooked area of Estate Planning is the transfer of digital information. More senior Americans spend a lot of time online than a few years ago, and this online activity is as much personal as for business and must be cnosdered in your estate planning. This needs to be factored into your estate plan. Provide […]
How to Fill Gaps in Your Estate Planning
Most estate plans are deficient. Even wealthy people who consult with high-priced lawyers have key gaps in their plans. I’m not even talking about people who don’t bother to develop an estate plan. I’m considering only people who developed plans. Too many of them have plans that aren’t going to meet their goals, preserve their […]
