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


Retirement Watch’s Bob Carlson shares his best strategies for maximizing your IRA’s investments and tax savings.

Found 41 Articles.
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IRA Mistakes & Opportunities [Case Studies]

October 20, 2017

Individual retirement accounts (IRAs) become more complicated as balances increase and distributions are taken. It’s good to know some key rules so you won’t trigger additional taxes and penalties or miss some grand opportunities you didn’t know were available. Examples of people making IRA mistakes come my way almost every day in court cases, IRS […]


How to Protect Your IRA from Creditors

September 1, 2017

How safe is your IRA? Your assets could be at risk… from several directions. There is always the potential for a downturn that reduces cash flow from your job, business, or investments. Creditors could then seek payment from your personal assets. Lawsuits are another risk. Some occupations, such as being a doctor, carry high risks […]

Understanding the Rules of IRA Contributions

September 2, 2016

Contributing to an individual retirement account (IRA) is an action that every account holder should be familiar with and comfortable doing.  While, on the surface, contributing may seem like a simple enough part of managing an IRA, it is actually an incredibly important pillar of the retirement finance sector. As an experienced IRA owner can […]


Nine Important Things to Know about Contributing to an IRA

August 4, 2016

Individual retirement accounts (IRAs) offer a great way for an investor to prepare for the future. However, IRAs also can be potentially confusing, while requiring attention from investors who often may prefer to spend minimal time and effort. The following tips are intended to help you and other investors manage an IRA account successfully. What […]

The 6 Biggest Risks to your Retirement

What you don’t know about retirement can hurt you. In fact, just a few wrong decisions in your investments, taxes, or estate planning could completely derail your retirement plans. Worse yet, the rules of the game keep changing, making it harder to keep up with. For these reasons, I’ve assembled all the key points – everything you need to know — into one comprehensive report. Click here for free access.


Avoiding Expensive IRA Mistakes

April 3, 2016

IRA rules and strategies can be more complicated once the early contribution and accumulation years are behind us. There are various tricks and traps in the IRA rules, and there are strategies for maximizing IRA values that aren’t intuitive. […]


How to Avoid Frequent IRA Mistakes

May 1, 2007

Mistakes and over-sights by IRA owners prevent their heirs from maximizing the after-tax benefits of the accounts. The source of many problems is the IRA beneficiary form, a document to which most IRA owners devote only a minute or so. This form should be an important element of an estate plan, and some IRA owners […]


Nine Important Questions to Ask IRA Custodians

September 1, 2006

IRA custodians are not all the same. Most people know that and do some comparison shopping before they select a custodian. The comparisons usually end with fees and investment choices. But other IRA issues can matter more and can dramatically affect the percentage of your IRA that benefits your heirs. A custodian needs to be […]


How To Avoid Costly IRA Mistakes

August 1, 2006

Though set up to help regular people save, IRAs are fraught with complicated tax rules. Missteps can be made without the owner knowing it until it is too late to correct the problem. The result often is higher taxes and penalties. Sometimes the result is reduced IRA options. Here are some little-known but very common […]

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