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Most people don’t know there’s a penalty for enrolling in Medicare late. While Medicare is optional, if you don’t enroll in it when you’re first eligible, enrolling in it later will cost you for the rest of your life. The Medicare enrollment deadline apparently isn’t well-known, because the number of people paying the penalty for […]
It doesn’t take much to tarnish a gem of an estate plan, and with it your legacy. A misplaced word, missing clause, or miscommunication between lawyer and client can send your will and your ordered estate plan spinning into chaos. You can avoid such a fate. Follow these last will and testament guidelines, and you’ll […]
Is It Enough? As I write, Congress is striving to pass the legislation designed to provide relief for individuals and businesses adversely affected by the coronavirus pandemic. The Senate passed the bill, and the House is expected to pass it soon, though there’s no commitment on the timing. The bill provides cash payments to many […]
Investor complacency finally was broken in late February. In the 11 years since the bull market began, investors ignored a lot of reasons to sell stocks, especially in the last few years. We never know what will begin a market correction or bear market. We do know that when markets climb for so long, become […]
In my new Retirement Watch Spotlight Series, I’ll share my newest breakthrough strategies for protecting your assets and growing your portfolio, including how to prepare for the next market downturn. Click here now to learn more.
Some Notable Events That Grabbed My Attention This Week In the last week, we moved from concerns about economic growth to concerns about liquidity for businesses and individuals. The first sign of the change was the Federal Reserve’s emergency move to reduce the interest rates it controls down to zero and institute other measures. The […]
Too many health savings account (HSA) owners don’t reap all the advantages of their accounts. Last month, I reviewed the triple tax benefits of HSAs and how the accounts can be powerful retirement savings vehicles. Use of the accounts is increasing rapidly, yet there are misunderstandings about the accounts. Even many people who benefit from […]
The Stretch IRA is history, and you need to revise your estate plan to ensure your heirs receive maximum after-tax value from inherited retirement accounts. You know the basics, because I’ve been covering them since the Setting Every Community Up for Retirement Enhancement (SECURE) Act started rolling through Congress in May 2019. You can read […]
Billions of dollars of life insurance benefits go unclaimed each year, and it’s mostly the fault of the people who bought the insurance. You buy life insurance to provide financial protection to loved ones. They might need the money to pay debts, bills, taxes and more. The insurance also can provide a nice legacy.Yet, too […]
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