Retirement Articles
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Make Family Wealth, Businesses Endure Using the Vanderbilt Strategies
The Biltmore Estate in Asheville, North Carolina, a popular resort and tourist attraction, is a legacy of George W. Vanderbilt, the youngest son of the oldest son of Cornelius Vanderbilt, the builder of the Vanderbilt fortune. My wife, Elaine, and I enjoy visiting there. The Biltmore House, built primarily between 1895 and 1899, still is […]
Which is Best for You: A Will or Trust?
There are two tools available for passing the bulk of your legacy to others. The best choice for one person might not be optimum for another. Either a will or trust can be the foundation of your estate plan. If it’s a trust, it’s usually a revocable living trust. They’re not exclusive. Most estate plans […]
All the Ways You Can (Legally) Avoid Probate
Avoiding probate often is a major estate planning goal, but most people don’t learn all the strategies available. In probate, a deceased person’s estate is administered and distributed according to state and local law. The process ensures debts are paid and legal title to assets passes as the decedent wanted, or according to state law […]
Bob’s Journal for 3/24/23
Some Notable Events That Grabbed My Attention This Week Correction: In the April 2023 issue of Retirement Watch (which was published electronically last week and will be in the mail shortly), the ticker for iShares Global Metals & Mining Producers on page 11 was misidentified and should be PICK, which is stated correctly in the […]
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The Four Ways You Can Make Tax-Free Gifts
Gift giving is an essential strategy in many estate plans. When done properly, gifts reduce lifetime income taxes and reduce or eliminate estate and gift taxes. Through gifts, you help loved ones today, and see the benefits of that help, instead of having them wait to inherit. To optimize gifts, know how to minimize gift […]
Bob’s Journal for 3/16/23
Silicon Valley Bank Probably Is Only the Beginning During the last week, both Silicon Valley Bank and Signature Bank were taken over by the Federal Deposit Insurance Corporation. Those failures are likely only the beginning. The Federal Reserve made two rapid changes in monetary policy in recent years. During the early years of the pandemic, […]
Know the Tricks and Traps of the ‘Wash Sale’ Rules
Few taxpayers were interested in or needed to know the “wash sale” rules, until recently. When stock prices rose steadily, the wash sale rules didn’t come into play. The rules matter only when investors sell stocks at losses. That’s why the wash sale rules have been more important since 2021. The wash sale rules were […]
20+ Things You Should Know About IRAs and 401(k)s: How to Reduce the Mortgages on Your Accounts
IRAs and 401(k)s are among the most valuable assets of many households. Along with Social Security, they are the bedrock for financing retirement in many households and leaving a legacy for your loved ones. That’s why it’s important for both you and your heirs that the after-tax value of the accounts be maximized. Yet, few […]
