Retirement Articles
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Surprising Retiree Tax Havens
Did you know that you might be able to move from low-tax Virginia, retire in Massachusetts, and cut your tax bill dramatically? That’s true, if you are a federal government retiree. Your government pension annuity is exempt from taxes in Massachusetts and several other states, but not in Virginia. Florida seems like a tax haven, […]
How to Prepare Your Financial Emergency Kit
You might have solid investments and a good estate plan. But your financial planning isn’t complete without a financial emergency kit. An ideal time to put one together is when you are working on your estate plan. A financial emergency kit is a set of tools that can keep a difficult time from becoming much […]
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 […]
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 […]
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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 […]
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 […]
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, […]
Tax Gains From Market Losses
The first bear market in a long time offers an opportunity to dust off an effective tax reduction strategy. Use this strategy now and you could significantly increase this year’s after-tax returns. The strategy is called a tax swap or mutual fund swap. It works with stocks, bonds, or mutual funds Suppose you bought some […]
