Financial Advice for Retirement, Social Security, IRAs and Estate Planning

Retirement Articles

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Estate Planning Strategy: Planning for Medical Care in Retirement

April 20, 2018

Your estate plan should be about a lot more than finances. An estate plan isn’t complete, for example, without the medical care documents. In fact, I always recommend making this a priority. Have the medical care documents finalized while you’re still considering the other issues in the estate plan. Also understand that medical care documents […]

Retirement Tax Strategy: Are You a Trader or Investor?

April 13, 2018

Retirees often earn most of their income from their investments. As such, interest, dividends and capital gains often pay the bulk of their expenses. Some retirees devote so much time and attention to their investment portfolios that they believe investing has become their job or business. And that begs the question:  Can a retiree – […]

How to Protect Your IRAs for Beneficiaries: A Simple Guide

April 6, 2018

How do you increase the odds your IRA will last for a long time? Be sure your beneficiaries know what they need to do! Many people have substantial balances in traditional IRAs. Often, a prime goal is for the IRA to help provide for the next generation or two. One way to do so is […]

Estate Planning Strategies for Changing Interest Rates

March 30, 2018

With interest rates rising (and expected to keep rising), it’s important to understand any effects on your retirement and estate. In our last issue, we reviewed three major estate planning strategies affected by rate changes. Here’s a look at some additional techniques worth checking out… Charitable lead annuity trust (CLAT) The CLAT is sort of the […]

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6 Estate Planning Strategies Most Affected by Interest Rates Changes

March 23, 2018

It still comes as a surprise to so many retirees… The outcome of key estate planning strategies often hinges on fluctuations in interest rates. So clearly, changes in rates should sway the choice, or timing, of these strategies. Some estate planning strategies generate more benefits when interest rates are low, while others provide more benefits […]

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The Smart Way to Sell Stock & Fund Shares in Retirement

March 16, 2018

Far too many investors give the IRS far too much of their money. Why?  Because they don’t know a few simple rules. Chances are, you already know the basics of computing capital gains taxes when you sell shares, stocks and mutual funds. You have a gain or loss that is determined by subtracting your tax […]

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How to Maximize Charitable Giving Tax Benefits in the New Tax Reform Law

March 9, 2018

Many savvy taxpayers will change their charitable giving strategies… now that they’ve had time to process the Tax Cuts and Jobs Act of 2017. For years I’ve advised that writing checks to charities each year, or more frequently, is an inefficient way to donate. It’s even less efficient now. The latest tax law made several […]

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5 Strategies to Simplify Your Retirement Finances

March 2, 2018

Most people’s finances are too complicated. And what I’ve found – after 20-plus years of publishing Retirement Watch – is that complicated finances lead to procrastination and stress. Too much time is spent simply organizing papers and data to figure out where things stand. By then, people are too exhausted to make decisions or implement […]

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