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

Testimonials

I greatly enjoy your Retirement Watch newsletter. Over these many years I have gleaned several helpful estate and investing suggestions with the most recent one being in your July, 2017 edition.

My little estate is nearing the $5.5M valuation, and I read on page 2 your suggestion that such size estates may want to consider stepping up their early gifting so as to possibly avoid any estate tax law changes.

That suggestion struck a chord, and so I have just completed a $227,000 (5% of my estate) early gifting program for 27 family and friends. With my successor trustee’s approval, that represents a potential $100,000 in avoided estate taxes at the 40% rate.

God and the economy willing, I expect to recoup that gifted amount within the next 36 months, and depending upon future estate tax laws, I hope to gift another $500,000 when I reach the $6M threshold.

Thanks for the clear and concise estate and retirement information. Again, my heirs and I have greatly benefited from your vast well of knowledge.

— Warren W. , San Jose, California

Bob Carlson taught me the breadth and depth of what I don’t know.
That’s why I recently renewed my subscription.

— Malcolm W. B., Grahamsville, New York

Bob Carlson does the mutual fund selection process for me—it simplifies my life! But it also gives me an option to be more active (for example, the Aggressive Growth Portfolio) if I want to be.

— Mike M., Los Angeles, California

I lost a lot of money by not paying attention to Bob. My financial advisor had me deep in the NASDAQ, so I finally fired him. I’m now paying much more attention.

— Johnny G., Annapolis, Maryland

My eyes are opened to areas of preparing for retirement other than investing.

— Andy A., Roswell, New Mexico

I can sleep at night…and achieve what I want to achieve.

— Randall C. H., Federal Way, Washington

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