The Tax Cuts and Jobs Act of 2017 is a game-changer for capital gains taxes. If you are retired or heading towards retirement, you need to understand how capital gains will be taxed.
Should you convert a traditional IRA to a Roth IRA? It depends on many factors. Bruce Larsen guides readers through some of the fundamental considerations of when a Roth conversion and shows how different variables influence the bottom line.
If the Tax Cuts and Jobs Act “sunsets” without action from Congress, it will have a significant impact on taxpayers. Here’s what you need to know.
The SECURE Act and six significant changes to federal retirement savings regulations. Some of these changes are good…and some are not-so-good. Make sure you understand how these changes impact your personal retirement savings options.
The 2100 Act is the first serious proposal we have seen that is projected, by the Social Security Trustees, to fix the system.
Everyone has a different financial and tax situation. But when you are entering retirement, there are several tax areas all retirees should examine.
Unresolved estate issues can cause a host of problems. If your estate is not handled properly, you could place a burden on your heirs and loved ones.
Distribution rules from IRAs are complex. Learn how you can avoid penalties on your IRA distributions in retirement.
The 3 most common mistakes when structuring an estate can have dire implications. Make sure your estate plan anticipates for and provides a strategy for worst-case situations.
This retirement checklist covers what to do before you retire and afterward. It addresses Medicare, Social Security, company retirement plans, and more.
Understanding how your Social Security benefits will be taxed is critical for developing an accurate view of your retirement plan.
Current trends in estate planning point to a decline in having a plan in place when an individual passes. Learn how to prevent the state taking control of your estate and ensure you are in control of the process.
Four strategies for dealing with a downward shift. Smart investors have a plan. Don’t let your emotions control your financial plan.
Do you think your investment strategy should change as you near retirement or after you retire? I know what you’re thinking…of course the answer is “yes”. You’ve worked a 1/3 or more of your life preparing for this day. You’ve been saving in your 401K, IRAs, and other accounts to build a nest egg you […]
Over the years there have been numerous calls to privatize Social Security. The primary argument used is that an investor could get a much better return if his contributions, along with employer contributions, were managed and invested in the workers own account. To see if this argument has merit, we need to look at what […]
Age 62 is the most popular age for individuals to start taking their Social Security. With as much as a 25%-30% permanent reduction in retirement benefits, why would the majority of 62 years olds still start their Social Security benefits the moment they are eligible for benefits? There are many reasons. Some are valid; however, […]
Just in case the title has you thinking this article is about The GAP clothing company, I want to let you know “the GAP” I am referring to is something much more important to your financial success. In my 20 years of financial planning experience with clients and training advisors, planning for your retirement starts […]
Due to the large, and growing, federal debt we often hear from elected officials that the debt cannot be brought under control without entitlement reform. Included in entitlement reform discussions is Social Security. Knowing that workers, and their employers, pay into Social Security most people wonder why Social Security can be called an ‘entitlement’ when […]
Are you like me where you find yourself feeling a little anxious near the end of the year because of the things you wanted to get done, but didn’t yet? Which reminds me, I need to clean the gutters and winterize the pop-up camper. Each year, December seems to come faster and faster; and, it […]