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estate planning

What You Need To Know About the Probate Process

September 29, 2020

Probate is the legal process that ensures your debts are paid and the legal title of your assets is transferred to the appropriate heirs and beneficiaries. If you have a will, the probate process will determine whether the will is authentic and valid. Each state sets its own probate process and rules in its probate […]

The Fed’s No Longer Worried About Inflation

September 28, 2020

It’s official. The Federal Reserve re-turned to the monetary policies of the World War II years and is asking Congress to resurrect the fiscal policies of that period. At the end of August, Fed Chairman Jerome Powell confirmed the Fed’s policy for the long term is to keep interest rates very low and ensure the […]

Here’s the Right Way to Decide Where to Relocate

September 28, 2020

Many people are moving from cities and major suburbs, according to anecdotal and news reports. Unfortunately, many are making hasty decisions and will wish they’d taken more time to analyze their choices. I’ve seen numerous media reports that homes in the outer suburbs and other less populous areas are being purchased by residents of cities […]

How to Avoid the Medicare Mistakes Most People Make

September 28, 2020

Retirement medical expenses are high enough when you don’t overpay, but many retirees don’t fully understand Medicare and make mistakes that cost them quite a bit during the course of retirement. The latest estimate of total retirement medical expenses is $295,000. That is how much a married couple, each spouse each 65 today, will spend […]

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5 Retirement Tax Traps You Need to Avoid

September 28, 2020

Taxes are one of the top three expenses of most retirees, and too many retirees overpay their taxes.Gone are the days when retirement-aged Americans receive tax breaks. Instead, today retirees are likely to face taxes targeted at them. That’s why tax planning, tax management and especially tax diversification should be important parts of your retirement […]

7 IRA Distribution Mistakes to Avoid

September 28, 2020

Most people know the rules about contributing money to IRAs and 401(k)s, but relatively few know important rules about taking distributions.The result is expensive mistakes, resulting in unnecessary taxes and penalties. This month, I review seven retirement account distribution mistakes that frequently are made and reduce the after-tax value of the accounts. Early distribution blunders. […]

A Key Estate Planning Tool for Uncertain Times

September 28, 2020

Rarely has the estate planning environment been as uncertain as it is now.The current estate tax law is set to expire after 2025. After that, the lifetime exemption will be cut in half and other changes will be made if Congress doesn’t act. Key income tax breaks also will expire after 2025 without congressional action. […]

Bob’s Journal for 9/24/20

September 24, 2020

These Notable Events Grabbed My Attention This Week Soon, we’ll know the Social Security cost of living adjustment (COLA) and other changes for 2021. September’s Consumer Price Index was issued last week. That’s the last piece of data the Social Security Administration needs to calculate the COLAs and adjustments for next year. Private sources estimate […]

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