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Retirement Articles

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Fresh Start for Your IRAs

Fresh Start For Your IRAs

March 1, 2001

The IRS recently created a tremendous opportunity to improve your financial and estate planning. In a surprise to everyone, the IRS in early January issued new rules for taking required minimum distributions (RMDs) from IRAs and other qualified retirement plans after age 70 1/2. The previous rules, described in detail in my Retirement Tax Guide, […]


How to Avoid the Key Retirement Housing Mistakes

February 1, 2001

Retirement patterns in the U.S. are changing. That’s because many are finding that the traditional move to warmer climes isn’t for them. The “boomerang” or the “bounce-back” is becoming common for those who move to Florida or Arizona. Retirees have many more location options than they used to. Retiree-oriented developments are being built all over, […]

Taxable vs. Tax-Deferred Accounts

Taxable vs. Tax-Deferred Accounts

February 1, 2001

Most of you invest through both tax-deferred accounts (such as IRAs) and taxable accounts. You also own both stock and bond investments. To maximize after-tax returns, you want to know which investments should be primarily in the taxable accounts and which in the tax-deferred accounts. First, don’t let the taxes drive your portfolio allocation. Decide […]

The Truth About Life Insurance Trusts

The Truth About Life Insurance Trusts

February 1, 2001

One estate tax shelter untouched by the government over the years is the irrevocable life insurance trust. At various times the IRS has tried to shut down this valuable tool, but the courts and Congress kept the structure intact. The purpose of an irrevocable life insurance trust is to exclude insurance benefits from the taxable […]


In my new Retirement Watch Spotlight Series, I’ll share my newest breakthrough strategies for protecting your assets and growing your portfolio, including how to prepare for the next market downturn. Click here now to learn more. 

Hot New Retirement Locations

February 1, 2001

Older Americans might be becoming “half backs” instead of “snowbirds.” A snowbird, as you probably know, is someone who lives most of the year in a cold weather area but spends a few winter months in a warm weather state. Usually the retiree treks from a midwest or northeastern state to Florida. But many older […]


How to Preserve the Family Business

February 1, 2001

When owners think about preserving the family business for the next generation, they think about estate taxes. You can do a lot to continue the family firm through tax strategies such as annual gifts, family limited partnerships, dynasty trusts, and the like. But tax planning is at most only half the job. Half of all […]


How to Increase Dividend Yields

January 1, 2001

Scared of the stock market but unhappy with the yields from safe bonds? Many investors feel that way about at least a portion of their portfolios. There is an alternative, and it actually is quite exciting for those who venture into it. It carries much lower risk than the stock market, but substantially higher yields […]


How to Pay for a Grandchild’s Education

January 1, 2001

Perhaps the best use of any excess wealth you have is to pay for a grandchild’s education. There are many ways to do that, and I have covered them extensively in the past. In this visit I’d like to explore three of the better tax-advantaged strategies. You might be able to deduct at least a […]

January 2021:

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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