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

Social Security

Found 68 Articles.
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reduce-tax-on-social-security

How to Reduce Tax on Social Security

February 1, 2003

Each year more seniors pay taxes on Social Security benefits than did the year before, and those who already were taxed pay more. That is an inevitable result of the way the tax is structured, unless you take action to reverse things. The benefits are taxable when adjusted gross income exceeds certain levels. One big […]

Protecting Against ID Theft

January 1, 2003

Identity theft will be the crime of the millennium. It dominated the news recently when three credit card company employees were arrested for selling the data of 30,000 customers for $100 each. Fraud is perhaps the most common crime, and ID theft is another form of fraud. ID theft is growing rapidly, however, and soon […]

how-social-security-can-help-your-spouse

How Social Security Can Help Your Spouse

December 1, 2002

A key issue everyone faces is when to begin Social Security benefits. One aspect of this decision that is easy to overlook is how the choice could affect a spouse’s lifetime income. We’ve discussed when to begin Social Security benefits in past visits, most recently in the May 2002 issue (available in the Archive of […]

how-to-start-savings-for-grandchildren

How to Start Savings for Grandchildren

December 1, 2002

What is the best way to get your grandchildren started on the right foot financially? Most people get the answer to this question only half-right. A goal of many grandparents is to provide some financial support for their grandchildren. Some grandparents put money aside for college education expenses. Others set up trusts, custodial accounts, or […]

the-key-question-most-investors-overlook

The Key Question Most Investors Overlook

October 1, 2002

Most investors focus on the wrong question, and that costs them money. Too many investors try to answer the big question of the day. Today, the big question drawing attention is whether the bear market is ending or the stock market is getting ready for another sharp drop. A few years ago, investors searched for […]

withdrawals-during-retirement

How To Take Withdrawals At Retirement

October 1, 2002

Retirees don’t receive much advice on the best ways to take distributions from their investment accounts after retirement. Financial firms have a wealth of easy-to-find information on saving through taxable and various tax-advantaged accounts. Yet they don’t seem interested in helping you decide how to plan withdrawals from the accounts. Most Americans have their retirement […]

when-to-begin-social-security

When To Begin Social Security?

May 1, 2002

Big changes are coming to Social Security. I don’t mean anything Congress or the President might do. These changes were put in place in the 1980s and are just taking effect. These changes affect the retirement of everyone who won’t begin receiving Social Security benefits by the end of 2002 and will influence when people […]

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Should you go back to work after retirement?

April 1, 2002

Sometimes work doesn’t really pay. The sad fact is that older Americans have to analyze this issue carefully before taking a job. While the situation improved after 1997 and 2000 law changes, if you are receiving Social Security benefits returning to paid employment actually could cost you money. I regularly hear from subscribers whose marginal […]

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