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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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What is Quantitative Easing?

by Craig Moser on September 29, 2017

To be very clear, this blog is an oversimplification of a very complex issue.  Despite that fact, the premise is pretty straightforward.  Global central bankers buy bonds on open markets and this is called quantitative easing (QE).  In my view […]

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Once-Per-Year Rollover Rule Exceptions

by Craig Moser on September 22, 2017

As with most IRA rules, there are exceptions to the once-per-year rollover rule.  The rule applies to IRA-to-IRA and Roth-to-Roth 60-day rollovers.  Just to be clear, an IRA rollover occurs when a check is issued from the IRA or Roth […]

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Missed RMDs and QCDs

by Craig Moser on September 15, 2017

Qualified Charitable Distributions (QCDs) are now a permanent part of the tax code.  They allow individuals who are at least 70 ½ years old (at the time of the transfer) to directly transfer IRA funds to a qualifying charity.  In […]

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Indexes or Humans: Your Investment Boat

by Craig Moser on September 8, 2017

The decision to use indexes or human managers depends on whether you want a rudder on your investment boat.  Unlike the current headlines tout, good risk-adjusted returns don’t simply depend on low investment fees.  They also depend on sensible risk […]

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Should You File an Amended Return?

by Craig Moser on August 25, 2017

If you’re like most people, you’ve probably wondered at some point, “Do I need to file an amended tax return for that?” To help answer that question, here are seven common errors, and whether you should you file an amended […]

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Your IRA Can Increase Medicare Costs

by Craig Moser on August 18, 2017

You’ve done the right thing for years.  You’ve diligently saved and accumulated money in your IRA account.  But do you know your IRA could increase your Medicare costs?  You see, at some point, money in your IRA must come out, […]

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