Fixed Index Annuities (FIAs)

by Craig Moser on December 8, 2017

Fixed Index Annuities (FIAs) are a contract between you and an insurance company.  They may help you reach your long-term financial goals.  In exchange for your premium payment, the insurance company provides income.  Income begins immediately or at some time […]

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Spouse Beneficiary of an IRA

by Craig Moser on November 24, 2017

Your spouse passed, and you find you become the spouse beneficiary of an IRA.  The IRA custodian automatically retitles the account as an inherited IRA.  Besides, wouldn’t they do what’s best for you?  Should you leave it that way, or […]

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IRS Forms You May Need

by Craig Moser on November 17, 2017

Have you ever wondered how the IRS receives all that financial information?  The short answer is forms.  Lots and lots of IRS forms!  According to, the IRS website contained 896 different tax forms in 2015.  And while the data […]

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When Mutual Funds Distribute Capital Gains

by Craig Moser on November 3, 2017

What happens when mutual funds distribute capital gains?  Selling at a profit generates short-term and long-term gains.  Distributing short-term capital gains as income dividends makes them subject to ordinary income taxes. Stocks and/or bonds pooled into one investment that usually […]

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Real Deal Retirement

by Craig Moser on October 20, 2017

To explain real deal retirement, let’s take a look at a question a client recently asked.  The client uses income from Social Security and an annuity to pay all current living expenses, and recently asked if she should put 100% […]

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Roth Conversions and the 10% Penalty

by Craig Moser on October 13, 2017

Roth IRA rules are complicated.  One especially complex area is understanding Roth conversions and the 10% penalty.  Here are five things you need to know. 1.  10% Penalty and Roth IRA Conversions The 10% early distribution penalty doesn’t apply to […]

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RMD Still Working Exception

by Craig Moser on October 6, 2017

Required minimum distributions (RMDs) are a fact of life for most retirement account owners once they reach age 70 ½.  However, if you fit the definition, you may be able to delay RMDs thanks to the RMD Still Working Exception. […]

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