Retirement Articles
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Tighter Rules for Charitable Contribution
As readers ready their year-end tax plans, they need to keep in mind recent changes in charitable contribution deduction rules. Congress tightened the rules in the Pension Protection Act of 2006, and the rules affect deductions for most types of charitable contributions on this year’s tax returns. Cash donations. Proper documentation now is needed to […]
8 Simple Strategies to Improve Cash Flow
Prices of key goods are high and rising, and most investments are down. Higher costs and lower income mean times are getting a bit tougher financially, and people are being more prudent with their money. Smart money moves don’t have to be painful. People can increase their cash flow with a little bit of work […]
Is Premium Term Life Insurance Worth the Cost?
Life insurance companies developed many bells and whistles to make their products more attractive to buyers. The buyers have to determine if these features are worth their additional cost. One frequent objection from potential purchasers of term life insurance is that the coverage might not be used. The policy owner could pay premiums for decades, […]
What is Your Estate Plan Missing? The Importance of the Proper Forms and Documents
Many people believe that a will and a trust or two is an estate plan. Others think that a living trust or joint title with a spouse is all they need. That is why most estate plans are woefully incomplete. There is much more to an estate plan. Heirs and loved ones often suffer from […]
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When Should You Reverse an IRA Conversion
IRA owners who convert their traditional IRAs to Roth IRAs during the year need to continue monitoring their accounts. It might be advantageous to reverse an IRA conversion. Reversing an IRA conversion, known as a recharacterization, can be done any time before the due date for the tax return for the year of the conversion, […]
The Upcoming Medicare Changes
One of the biggest mistakes people make in their retirement plans is underestimating their medical expense burdens. Traditionally, early retirees overlook this major expense, but it is likely that in the next few years this expense will spike higher than many retirees anticipate. It is important that people recognize the trends behind changes in medical […]
Social Security and Spouses – Part 3
In recent visits we explored how spousal benefits can affect the decision of when to begin Social Security benefits. In this visit we will take a look at one more scenario. First, we’ll review the key points from past visits. A spouse is entitled to receive the higher of either his or her earned retirement […]
Are Charitable Trusts Better Than Stretch IRAs
Owners of large IRAs search for ways to maximize the after-tax amount of the IRAs that will benefit their loved ones. In the past we have demonstrated that unconventional strategies often increase the after-tax amount heirs receive. Sometimes it makes sense for an IRA owner to empty the IRA early, pay the taxes, invest the […]
