Required Minimum Distributions (RMDs) – Time is Running Out

Month: December 2015

December 24, 2015  |  

Required Minimum Distributions (RMDs) – Time is Running Out

Key Takeaways What are RMDs? Do they apply to you? How to calculate them.  If you or a spouse has a 401(k) or an IRA, and turned 70 1/2 in 2014 or earlier, don’t forget about your big deadline looming on December 31. And I’m not talking about New Year’s Eve plans. December 31 is the date by which you must take your annual Required Minimum Distribution (RMD), or face significant penalties. We’re always surprised […]

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December 18, 2015  |  

The Conversion Issue: Tax Me Now or Tax Me Later!

Key Takeaways Converting a traditional 401(k) or IRA to a Roth IRA has become a popular estate planning and tax mitigation technique in recent years. The basic idea of a Roth IRA is to pay some tax now to avoid paying tax on your withdrawals in your golden years. Roth IRAs have many benefits over traditional IRAs, but high earning individuals and couples may not qualify. Also, beware of “tax rate” roulette if you fall […]

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December 15, 2015  |  

Give Smart – The Top 3 Things to Remember
Now is the time of year to be generous (and savvy about how you do it)

Key Takeaways Giving to individuals Giving to charity Easy ways to give At this time of the year, many people are moved to give to family and charity.  It makes us feel great and so many people benefit from our collective charity that it normally improves society. But, before you start writing checks to support your favorite causes, make sure you give smart. Let’s take a brief summary of the rules. 1. Giving to Individuals […]

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December 10, 2015  |  

The Three Most Dangerous Words in Investing: “We All Know …”

In my 30-plus years of experience in investment management, the three most dangerous words I hear are those found in observations that begin with, “We all know…” We all know … that stocks are overpriced (or underpriced). We all know … that interest rates are about to rise (or fall). We all know … that domestic (or international) positions are outperforming (or underperforming). “We all know …” proclamations usually make a pivotal, if flawed presumption. […]


December 8, 2015  |  

Pre-Medicare Retirees – What Are Your Health Insurance Options?

Over my career, I’ve worked with many clients who were fortunate enough to retire before the age of 65.  While most people have the goal of early retirement, actually achieving it can also present its share of problems.  In the past, most workers had some type of Retiree Medical program sponsored by their employer which acts as a person’s primary insurance before 65, then becomes secondary to Medicare thereafter.  These programs have gone by the […]

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