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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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Age Matters in Retirement Planning

by Craig Moser on July 28, 2017

Age matters as you approach your retirement years, and age matters in financial planning.   As a Certified Financial Planner, I’ve spent a lot of time developing Retirement Plans for my clients.   And it still surprises me how many don’t understand […]

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HSA Beneficiaries

by Craig Moser on July 21, 2017

If you have an HSA, you should think about what happens to your account after your death. The rules are a little tricky and careful planning is important to minimize the tax bite for HSA beneficiaries. You should name a […]

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The Score at Halftime: Your AGI

by Craig Moser on July 14, 2017

Sometimes the score at halftime really does matter. Take your tax return for instance.  Believe it or not, there is a halftime for your tax return. On your 1040 form, look at the bottom of the first page and the […]

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