Retirement Articles
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Finding The Best Tuition Savings Plan
Retirement Watch readers were among the first to learn about the great estate planning and investment benefits of qualified tuition savings plans (QTSPs), also known as Section 529 plans. Now, there are so many plans available that you can get even more benefits by finding the best plan for you or using several plans at […]
How to Get the Most from Bank Fees
You are paying about $200 annually in bank fees, according to recent surveys. There are many different fees. I even got charged an excess account activity fee. Fortunately, the financial services revolution continues. Deregulation, technology, and competition give you a number of ways to reduce these fees or get your money’s worth from them. Here’s […]
Smart Ways to Make Gifts
It’s gift giving season, at least it is for those who want to make shrewd income tax and estate planning moves. While most people don’t make annual estate planning gifts at all and those that do make them in December, the first part of the year is the best time to make tax-wise gifts. Making […]
Boosting Retirement Plan Limits
Retirement plans, especially defined benefit plans, used to be a great deal for professionals and small business owners. A successful business owner could sock away large deductible contributions in his account each year. But sharp limits were put all pension plan contributions in the 1980s, and defined benefit plan contributions were targeted for the most […]
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How to Protect Your IRA
Would you spend a minute or less deciding the fate of your most valuable asset? Do you want a mutual fund or other financial institution to make the decision? Most people actually spend less than a minute designating the beneficiaries for their IRAs or other qualified retirement plans. And they give little or no thought […]
The Easy Way To Pay for Long Term Care
Financing potential long-term care expenses can be complicated and expensive. Nationally, a month in a nursing home ranges from $3,000 to $6,000, and is rising faster than general inflation. That’s why many people do no planning. Another reason is that half of nursing home stays are for 90 days or less, and Medicare pays for […]
Trusts You Should Avoid
Trusts are hot, and the IRS has declared war on them. It has increased staff and is planning more audits of trusts. But most Retirement Watch readers can relax. Trusts put together by the scam artists are those the IRS is going after. These are trusts that purport to eliminate taxes without changing your use […]
How to Beat Little-Known Estate Plan Traps
It’s the little things that often sabotage an estate plan. You can work with your estate planner to get the right gifting program, trusts, and other strategies. But a mundane detail or two still could undo a lot of your work. Whether the estate is a few hundred thousand dollars or millions of dollars, it […]
