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Splitting an Inherited IRA: The Stretch

Thursday, April 27, 2017 | Leave a comment

Generally, the goal when naming beneficiaries on an Inherited IRA is for them to stretch required minimum distributions out as long as possible.  The tax code and current regulations support this goal by making the stretch option the default.  However,Continue Reading...

Estimated reading time: 4 minute(s)

Building Your Three-Legged Stool

Thursday, April 13, 2017 | Leave a comment

When thinking about retirement, it can help to envision a three-legged stool.  Everybody knows a two-legged stool isn’t reliable because you have no stability.  If you sit or stand on a stool with only two legs, you’re going to endContinue Reading...

Estimated reading time: 17 minute(s)

Capital Gains Tax Rates for 2017

Friday, March 31, 2017 | Leave a comment

Long-term capital gains currently enjoy more favorable tax rates than ordinary income.  For example, current long-term capital gains tax rates are 0%, 15%, and 20%, and the rates for ordinary income range from 10% to 39.6%.  With a new President inContinue Reading...

Estimated reading time: 9 minute(s)

Interest and Your Financial Decisions

Tuesday, March 21, 2017 | Leave a comment

When discussing bank accounts, investments, loans, and mortgages, it is important to understand the concept of interest.  Interest is the price you pay for the temporary use of someone else’s money.  Borrowing money allows us to buy a house, goContinue Reading...

Estimated reading time: 9 minute(s)

Unintended Outcomes: Long-term Care

Friday, March 3, 2017 | Leave a comment

As a Certified Financial Planner, I work to build plans that reflect my clients’ futures as accurately as possible.  Inevitably, planning comes down to a question of dealing with unintended outcomes.  For example, “How will the possibility of a long-termContinue Reading...

Estimated reading time: 9 minute(s)

Baseball Investment Strategies

Friday, February 24, 2017 | Leave a comment

Statistics are interesting and can reveal different scenarios based on the time frame being viewed.  Imagine a baseball player who strikes out 200 times and has 50 home runs in a year.  This baseball player is very similar to anContinue Reading...

Estimated reading time: 12 minute(s)

Dear Ole Dad’s Pension

Friday, February 17, 2017 | Leave a comment

I was talking to a client whose Dear Old Dad advised that assets should double every 7 to 10 years.  He also said she could do this while withdrawing 5% per year.  This scenario was possible in her dad’s era.Continue Reading...

Estimated reading time: 9 minute(s)

Roth vs. Traditional IRA

Friday, February 3, 2017 | Leave a comment

I know a woman named Jennifer, who thanks herself when she benefits today from something she did previously.  It might be as simple as having milk in the refrigerator because she stopped for a gallon the night before.  Retirees withContinue Reading...

Estimated reading time: 28 minute(s)

Your Retirement Road Ahead

Friday, January 20, 2017 | Leave a comment

Growing older requires most of us to think about the road ahead and things we have never approached before.  A big one is the “R” word.  Yes, retirement starts to get closer.  If you have taken the time to prepare, thenContinue Reading...

Estimated reading time: 11 minute(s)