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Taxes in Retirement

Bob Carlson of Retirement Watch on how to manage your taxes and planning strategies to pay less

Found 440 Articles.
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Creating the Retirement Internship

February 1, 2016

You can enter retirement with more confidence and certainty than most retirees. Retirement planning has many projections, forecasts, and assumptions. In other words, there’s a lot of uncertainty in every retirement plan. In addition to the financial issues, many people retire either uncertain about how they will spend their time or with untested assumptions about […]

Making the Most of Home Equity

January 1, 2016

The residence usually is one of the most valuable assets retirees own. It also is one of the worst-managed assets. Few people realize the home can be used to increase retirement cash flow or know how to do so efficiently. In the last few visits we discussed reverse mortgages and issues related to moving in […]

Retirees Saved from Sharp Medicare Premium Increases

December 1, 2015

You might have seen reports over the summer and fall that Medicare premiums for about 30% of beneficiaries would increase 50% or more in 2016. No one has to worry about such substantial increases now, though they will pay the increases over time. The potential increases were due to some quirks in the interplay between […]

New Uses of Reverse Mortgages

November 1, 2015

Proper use of a reverse mortgage can extend the life of your wealth. Changes were made in reverse mortgages in 2013. The changes allow new strategies, and recent research revealed a few creative ways to use them. Today’s low interest rates also create an opportunity that will disappear when rates rise. Many of you should […]

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Evaluating Pension Buyout Offers

October 1, 2015

There’s been a surge in Retirement Watch members telling me that they’ve been offered lump sums to buy out their pension rights. That’s no surprise. The number of employers making such offers greatly increased in recent years, according to research reported in The Wall Street Journal. About 22% of larger employers are expected to make […]

Knowing When Community Property Laws Matter

October 1, 2015

Each state controls how estates within it are transferred and settled. That means there are 50 different estate laws in the U.S. (More when the territories are counted.) There are both major and minor differences between these laws. There really are two very different major systems. One group of states uses community property laws, and […]

October 2015

October 1, 2015

October 30, 2015 04:35 p.m. Your Retirement Finance Week in Review There definitely are divergences in the global economy, with the U.S. separating itself from most of the rest of the globe. Within the U.S. the manufacturing sector is lagging while the rest of the economy is doing well. I expect these divergences to continue, […]

Securing Income and Reducing RMDs

October 1, 2015

You should be familiar with QLACs. They are a growing force in retirement in-come planning. In 2014 the IRS approved them as a way to secure a stream of lifetime income and to reduce required mini-mum distributions (RMDs) and the income taxes they generate. Even if you never buy one, you should understand them and […]


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