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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 […]
The Baby Boomers surprised forecasters as they went through life, and they changed many aspects of the economy. It looks like they have another series of surprises in store. The Boomers’ choices of retirement homes might be very different from what many people are expecting. These choices are important not only to those who build […]
The new uncertainty over Medicaid eligibility is not the only reason Medicaid should not be the centerpiece of your long-term care plan. Another concern is that your heirs might receive an unpleasant surprise from the state. When Medicaid decides someone is eligible for it to pay for nursing home care, the individual is told that […]
Many people know why making gifts is part of most estate plans. Yet, they hesitate to make the gifts, because they see potential pitfalls. They fear that the gifts might be spent unwisely or wasted. The donee could squander the assets on gambling, substance abuse, or other activities. Or the wealth could be well-managed for […]
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.
My file of articles about retiree medical expenses is filling rapidly with unpleasant headlines. One sample sums up the group: “How Safe Are Your Retiree Health Benefits?” Numerous surveys and my own experience lead to one conclusion: Most retirees and pre-retirees greatly underestimate how much medical expenses will be during retirement and are mistaken about […]
Inflation, the rising cost of education, reduced investment returns, soaring real estate prices, and terrorism all concern America’s wealthy. But nothing concerns them more than how those and other factors create great obstacles for their children and grandchildren. A recent survey of America’s wealthy done for U.S. Trust revealed that, like most other Americans, the […]
Congress could not agree on a deal by the end of 2005, so valuable tax breaks expired at the end of the year, as I warned you in the December issue. Both the House and Senate passed bills to extend the provisions, but their versions were different and could not be reconciled in time. Sources […]
Should you start deferring money into a Roth 401(k) account instead of a traditional 401(k) plan? Many of you still do not have access to the Roth 401(k) plans that first became available this year. But a number of you do, and many more will next year as employers add them to their plans. The […]
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