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Most retirement plans assume spending at a steady rate throughout retirement. That might have been a good idea when retirement lasted only five to 10 years, but today’s retirement is a very different case. Spending is not steady in retirement. This is not a small point. A plan that assumes steady spending in retirement might […]
A vacation home is passé for some people. While vacation and second home owner-ship are on the rise, and more Boomers plan to buy second homes, a number of people are moving on to what they consider the next level of second home ownership. This innovation is known generically as the destination club. There now […]
The typical estate plan is a collection of legal documents with sterile discussions of trusts and property distributions. It need not be that way. Your estate plan and your legacy can be enhanced by adding to your plan documents that are more personalized and speak directly to your loved ones. Certainly the main focus of […]
Most people who are busy accumulating large balances in their IRAs and 401(k)s forget that the IRS holds a mortgage on those accounts. You put pre-tax dollars in the accounts and let income and gains compound tax deferred. But that balance in the IRA is not all yours. The price for those tax breaks is […]
What you don’t know about retirement can hurt you. In fact, just a few wrong decisions in your investments, taxes, or estate planning could completely derail your retirement plans. Worse yet, the rules of the game keep changing, making it harder to keep up. For these reasons, I’ve assembled all the key points – everything you need to know — into one comprehensive report. Click here today for free access.
The family limited partnership has been widely-used in estate planning for years. The benefits are so significant that for almost as long the IRS has been trying to curtail the tax advantages of FLPs. While some of the IRS efforts have been successful, taxpayers also logged some victories. In addition, the IRS successes were in […]
People who plan to have Medicaid pay for their nursing home care are in for some big surprises. A new law that has not received much publicity changes the rules. Medicaid is the program that pays the medical expenses of the nation’s poor. Medicare is the program that pays some medical expenses of older Americans. […]
The recent deficit reduction law gave a boost to 529 prepaid college plans. There are two types of 529 plans: prepaid plans and savings plans. Under prepaid plans, the state guarantees that tuition and fees are covered by an amount determined today, even if inflation or investment returns are different from what was anticipated. The […]
Running out of income is the biggest fear of most retirees. Annuities often are the best way to avoiding running out of income. Yet, few people take advantage of this opportunity, and many who do buy annuities make the wrong decisions. That is because annuities are complicated, and commissions can give sales people the wrong […]
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