Retirement Articles
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Return Of The Dull Investor
One of the things I was taught when learning to fly a small plane is that the plane’s design and aerodynamics do most of the work. The pilot needs to make only small adjustments and inputs to keep flying smoothly and on course. There are many activities in which the less work you do, the […]
How to Teach Grandkids Wealth Management
It is nice to give wealth to grandchildren. But an even better gift can be to teach them how to multiply and manage their wealth the rest of their lives. Youngsters today are more financially savvy than any prior generation. They own investments, have such high discretionary income that retailers pitch to youngsters, and even […]
The New Health Care Orphans
It looks like a Medicare experiment is coming to an end. Many seniors are losing the option of receiving their Medicare-covered health care through health maintenance organizations (HMOs). Over 1 million seniors will be dropped from their HMOs next year, because the HMOs are leaving the Medicare program. Over 900,000 of these seniors will have […]
The Modern Way To Give: The Total Return Trust
Too many trusts these days are set up the old-fashioned way. I see them all the time. The result is that all the beneficiaries of the trust are short-changed, and they often end up angry at each other, the trustee, and the grantor. A once-generous endowment eventually becomes a legacy of discontent. Suppose you want […]
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New Ways to Invest for Grandchildren
The market sent a message to grandparents the last few years. To ensure the success of your plan to leave the grandchildren wealth, heed this message. A time-honored practice when setting up an account or trust for grandchildren is to buy shares in one or a few favored companies, then leave them alone. The grandchildren […]
Avoid This #1 Retirement Mistake
What’s the biggest mistake in retirement plans? From what I see, it is failing fully to factor inflation into their planning. Retirement these days often lasts 20 years or more. To be safe, you should plan on living to age 90. Over that time inflation can make a safe, comfortable stream of income uncomfortably tight, […]
No-Tax, Low-Cost Way to Help a Grandchild
You don’t need to give away money or property to help the grandchildren. You can lend to the grandchildren and let them build something with the loan. Here’s one plan. Lend $50,000 to your grandchild for five years. The grandchild invests the money and earns 10% annually. At the end of five years, the grandchild […]
Increase Income: Annuities versus Bonds
There is a plan that might boost your current after-tax investment income and increase the estate left to your heirs. Especially if you own bonds to generate income, including tax-free bonds, consider this strategy as part of both your investment planning and estate planning. A problem with bonds, even tax-free bonds, is that estate taxes […]
