Retirement Articles
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How to Make Unlimited Tax-Free Gifts
Anyone can make unlimited tax-free gifts. The strategy gets wealth out of your estate, and unlike many other gifts, you can be sure of how the money will be used. The strategy of maximizing tax-free gifts is growing in popularity, especially since the change in Congress makes it unlikely that elimination of the estate tax […]
Tax Reduction Opportunities for 2006
There still is time to make some valuable year-end tax planning moves, and this year there are some special opportunities to reduce tax payments. The Alternative Minimum Tax. The AMT snares more taxpayers each year, taking away tax benefits and pushing up tax bills. Basically, we have two tax systems, the regular tax and the […]
Private Annuity Trusts: New Rules
Just as last month’s discussion of private annuity trusts was mailed, the government issued proposed regulations restricting the strategy. Though intended to stop transactions considered by the IRS to be abusive of the tax law, the regulations go further and make private annuity trusts generally unattractive. Recall from last month’s discussion that a private annuity […]
Social Security and Your Spouse
Benefits for a spouse are among the least understood part of the Social Security program. Your earnings and your decision of when to begin benefits affect the benefits received by your spouse and even by an ex-spouse. Every married person eligible to receive Social Security benefits looks to two work records to determine the amount […]
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Wealth Replacement Strategies with Trusts
As we discussed in the legacy planning segment, grandparents and parents usually have multiple goals, and it can take some thought to put together a plan that tries to meet all or most of those goals. One tool that can add a lot to a plan is the wealth replacement trust. That is a clever […]
Building the Legacy Plan
What is your legacy plan? Most people are familiar with estate plans. The goals of the estate plan are to ensure that assets are transferred to the people you want in the most efficient manner, that is with the smallest burden in taxes and other expenses. The standard estate plan includes a will, a financial […]
How Long-Term Care Insurance Can Reduce Risk
Most people evaluate long-term care insurance the wrong way. Sales approaches also often stress the wrong factors. LTCI should be analyzed in much the same way we analyze investment opportunities. Fear often is the focus of LTCI discussions. Scary statistics are used to try to convince consumers that they need the policies to protect them […]
Housing Bubble Revisited
The headlines about housing certainly changed over the last year. Talk of unending years of double digit appreciation have been replaced by stories of unsold homes, sharp price declines, and forecasts of how long and how steep the decline might be. Throughout the housing boom we maintained that there was not a national housing bubble. […]
