Helping loved ones finance the cost of education is a wonderful & long lasting gift. But when you build this type of gift into your estate planning aspirations, the more traditional vehicles can be limiting…
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If you’re planning to retire early, you might be wondering what you’ll do for health insurance coverage. Medicare won’t kick in until you turn 65, and the rising cost of healthcare each year could translate…
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When you think about your retirement & financial independence, what keeps you up at night? Is it the possibility that a market crash depletes your nest egg? Is it inflation? What about the cost of…
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I’m guessing that over the years you’ve read at least 1000 posts, articles, and ebooks on what to do before you retire. Good retirement checklists are about a dime a dozen in the online world. …
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There’s a plethora of tax advantaged retirement accounts out there today. Enough that the acronyms and numbers can get really confusing… IRA 401k 403b 457 Profit sharing SEP IRA SIMPLE IRA Just to name a…
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You’re probably familiar with the term “required minimum distributions” (or RMDs for short). They’re the systematic withdrawals that the IRS makes you take out of an IRA after you turn 70 1/2. But what about…
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Active vs passive investing. The debate over which is strategy is superior has raged on for what seems like an eternity. And even though passive investing, or indexing, has become so popular of late, millions…
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Annuities are incredibly popular instruments for retirement planning. They come in all shapes and sizes, and while having more options can be a good thing, it can also be very confusing. For that reason, fixed annuities are…
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Fundamental indexing, or “smart beta” is an investing buzz word you might have heard before. It’s an investment strategy similar to index investing, and was introduced about ten years ago. Since then the strategy has…
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Recently I had a client in his mid-60s ask me how much longer he’d be allowed to contribute to his IRA. My client was approaching retirement, but wasn’t planning on drawing from the account until…
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