Disability Insurance: Protecting Your Largest Asset

Tag: wealth protection

April 21, 2016  |  

Insurance – Don’t Set It and Forget It

Key Takeaways: People change over time and so their insurance needs change too. Insurance policy expenses and their underlying crediting rates can change over time Periodic insurance policy reviews are critical. Remember Ronco founder, Ron Popeil’s, signature tagline for his famous rotisserie oven– “Set it and forget it”?   That might be fine for cooking convenience, […]

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February 24, 2016  |  

Think You Can’t Contribute to a Roth? Think again: Advantages of a 401(k) Roth Option

Key Takeaways The Roth option in 401(k) retirement plans eliminate IRS income limits applied to Roth IRAs. Participants in plans offering the Roth 401(k) option can split their contributions between both traditional and Roth accounts–thus, building two buckets of money to fund their nest egg. There are no income limits for Roth 401(k) accounts, and […]

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January 26, 2016  |  

Expected Sources of Premium Stock Returns Part I: Managing the “Daring Adventure”

When Helen Keller said, “Life is either a daring adventure, or nothing,” she probably wasn’t thinking about the stock market … but she could have been. Recently, some investors have been wondering whether it still makes sense to pursue expected returns from small-company and value stocks. That’s understandable, as investing in these two asset classes […]

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November 9, 2015  |  

File and Suspend No More: A Guide to the Recent Changes in Social Security

Key Takeaways: The recent budget deal eliminated the “File and Suspend” Social Security benefit strategy. File and Suspend allowed married couples to maximize their benefits by deferring collection of individual benefits until age 70 while still receiving a spousal benefit. If you will turn age 66 by May 1, 2016, or 62 by December 31, […]

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April 8, 2015  |  

IRS Reverses Long-Standing Position on One-Rollover-per-Year Rule

Key Takeaways The IRS has indicated that a taxpayer may make only one tax-free, 60-day rollover between IRA’s within each 12 month period.  This rule applies to a taxpayer regardless of how many IRA’s he or she maintains. The one-rollover-per-year rule also applies–separately–to your Roth IRAs. Roth conversions don’t count as rollovers for this purpose. […]

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