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

Grandchildren & Beneficiaries

Found 94 Articles.
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unitrusts-and-your-estate-plan

Unitrusts and Your Estate Plan

June 1, 2008

Once upon a time all trusts were annuity trusts or income trusts. As the economy and markets changed, these trusts failed to meet their creators’ goals and often caused problems. To solve the problems, the unitrust was created. Like all financial planning solutions, the unitrust is good but not the tool for all situations. Estate […]

trustee-strategies-for-the-21st-century

Trustee Strategies for the 21st Century

May 1, 2008

Trusts are part of more and more estate plans. Often trusts are used to hold and manage assets for younger generations. Sometimes the beneficiaries are too young or inexperienced to manage the assets. Other times the older generation is afraid the younger generation might not resist the temptation to spend direct gifts of the property. […]

behind-the-boom-in-529-college-plans

What is Behind the Boom in 529 College Plans

December 1, 2007

Investments in 529 college savings plans are increasing rapidly, and there are good reasons for it. The benefits are enhanced, and the alternatives are less attractive than they used to be. Congress expanded the Kiddie Tax and made it tighter, causing Uniform Gift to Minors Act accounts and direct gifts to children to be less […]

financial-advice-for-young-adults

First Financial Steps for Young Adults

November 1, 2007

Most young people enter the work force with quite a bit of debt. Even those without debt have ambitions for cars, homes, clothes, and other things. The issue for most young adults is how to sort out their spending and saving goals. Should they pay debt first? Save for the down payment on a home? […]

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Starter Funds for Youngsters

October 1, 2007

Investing will a key to the financial security of today’s youth. It will be more important to them it was to previous generations. Today’s youngsters will rely primarily on their own resources for retirement. The earlier someone starts investing, the easier it will be for him or her to become financially secure. Yet, financial services […]

Time to Help the Grandkids Buy a Home

September 1, 2007

Home prices are down, and inventories of unsold homes are high in many areas. That makes this an ideal time to buy a home, or to help a grandchild buy that first home or move up to a larger home. Despite the decline in prices, buying a home still is a struggle for many young […]

The New Tax Law & Your Grandchildren

July 1, 2007

Congress snuck a provision into the recent tax law that could change how many people help fund education and other expenses for their children and grandchildren. For a couple of decades the tax law has contained the Kiddie Tax, designed to limit the tax reduction that is available when parents and grandparents shift investment income […]

The 80%-2% Solution

July 1, 2007

The best financial move a person can make is to start saving and investing early. That also is the hardest lesson to teach young people. Retirement is a distant, abstract concept, and young people tend to be present-oriented. Young people also are daunted by the amount of money they should accumulate by the time they […]

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