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Debunking a Few Popular Retirement Myths

2016-12-14T17:06:11-08:00

Certain misconceptions ignore the realities of retirement. Generalizations about money & retirement linger. Some have been around for decades, and some new clichés have recently joined their ranks. Let’s examine a few. “When I’m retired, I won’t really have to invest anymore.” Many people see retirement as an end instead of a beginning – a [...]

Debunking a Few Popular Retirement Myths2016-12-14T17:06:11-08:00

Adjusting to Retirement

2016-12-14T17:06:12-08:00

What people don’t always realize about life after work. If you have saved and invested consistently for retirement, you may find yourself ready to leave work on your terms – with abundant free time, new opportunities, and wonderful adventures ahead of you. The thing to keep in mind is that the reality of your retirement [...]

Adjusting to Retirement2016-12-14T17:06:12-08:00

Taking Taxes Into Account When Saving & Investing

2016-12-14T17:06:12-08:00

It isn’t always top of mind, but it should be. How many of us save and invest with an eye on tax implications? Not that many of us, according to a recent survey from Russell Investments (the global asset manager overseeing the Russell 2000). In the opening quarter of 2014, Russell polled financial services professionals [...]

Taking Taxes Into Account When Saving & Investing2016-12-14T17:06:12-08:00

What Beneficiaries Need To Know

2016-12-14T17:06:12-08:00

Beneficiaries: What do you do when an account owner passes away? If your loved ones have invested, saved or insured themselves to any degree, you may be named as a beneficiary to one or more of their accounts, policies or assets in the event of their deaths. While we all hope “that day” never comes, [...]

What Beneficiaries Need To Know2016-12-14T17:06:12-08:00

Less Protection for Inherited IRAs

2016-12-14T17:06:13-08:00

They are no longer exempt from creditors & bankruptcy proceedings. A SCOTUS ruling raises eyebrows. On June 12, 2014, the Supreme Court ruled 9-0 that assets held within inherited IRAs by non-spousal beneficiaries do not legally constitute “retirement funds.” Therefore, those assets are not protected from creditors under federal bankruptcy statutes.1,2 This opinion may have [...]

Less Protection for Inherited IRAs2016-12-14T17:06:13-08:00

The Question Marks Surrounding Wall Street Trading

2016-12-14T17:06:13-08:00

Wall Street Trading: What don’t we know about the way the markets work? In a perfect world, the financial markets would be entirely transparent and without mysteries. In this imperfect one, we have financial markets reliant on high-speed trading and dark pools, both of which are imperfectly understood. Thanks to the bestselling Flash Boys: A [...]

The Question Marks Surrounding Wall Street Trading2016-12-14T17:06:13-08:00

Couples Retiring on the Same Page

2016-12-14T17:06:15-08:00

Agreeing about what you want from retirement is crucial. What does a good retirement look like to you? Does it resemble the retirement that your spouse or partner has in mind? It is at least roughly similar? The Social Security Commission currently projects an average retirement of 19 years for a man and 21 years [...]

Couples Retiring on the Same Page2016-12-14T17:06:15-08:00

Medicare Enrollment Options for 2014-15

2016-12-14T17:06:15-08:00

A summary of what you need to know. Key Medicare enrollment periods are approaching. This fall and winter, there are three periods in which Medicare beneficiaries can either enroll or disenroll in forms of coverage. * Oct. 15-Dec. 7: Open enrollment period. This is when you can exit Original Medicare (Parts A & B) for [...]

Medicare Enrollment Options for 2014-152016-12-14T17:06:15-08:00

Alternative Approaches to Retirement Planning

2016-12-14T17:06:16-08:00

Is the conventional wisdom for everyone? Questioning traditional assumptions about retirement planning can be illuminating. Some retirement planners and economists argue that they need to be reexamined. Does most retirement planning focus on the future at the expense of the present? One noted economist makes that case. Laurence Kotlikoff, the former White House economic advisor [...]

Alternative Approaches to Retirement Planning2016-12-14T17:06:16-08:00

FATCA: What It Is, How It Affects Investors

2016-12-14T17:06:17-08:00

Offshore accounts are receiving a new level of scrutiny. The federal government implements new rules to fight tax dodgers. As of July 1, 2014, the Foreign Account Tax Compliance Act (FATCA) is in effect. FATCA requires something new of foreign financial institutions: they must now report any assets held by American citizens, U.S. “persons,” U.S. [...]

FATCA: What It Is, How It Affects Investors2016-12-14T17:06:17-08:00

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