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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 […]
Most charitable gifts are contributions of money or property directly to the charity. But there are other ways to give that provide additional benefits. Some of the charitable giving strategies allow the donor to retain more control than a straight gift. Others provide income for a period of years or can provide payment of a […]
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.
Your heirs will enjoy only the after-tax value of your IRAs and other retirement accounts. Can this difference be reflected in the estate tax value of the accounts? An IRA is included in the owner’s estate. If the estate is valuable enough, it is subject to the estate tax. After heirs inherit an IRA, the […]
Not long ago a key part of every retirement plan was paying off the mortgage. I’m told that a popular ritual was the mortgage-burning party, though I have never been to one. Now, it seems that fewer retirees consider paying down the mortgage to be important. To the contrary, maintaining a substantial mortgage frequently is […]
Americans wrapped up a big year of charitable giving in 2005. Hurricanes, tsunamis, and other events created needs around the globe, and Americans responded with generosity. Charitable giving is most effective when it is planned. That is why many charities have an official or office with the title Planned Giving. Get the maximum benefit from […]
For most people, gift-giving season has come and gone. But for shrewd estate planners, the time to give is just beginning. Family gift giving is part of most estate plans. Gifts primarily are made to minimize estate and gift taxes by removing property from an estate. Estate and gift taxes are based on the value […]
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