by Craig Moser on August 9, 2019
At one time or another, you may be asked what to get your child or grandchild for their birthday or graduation, as a Christmas present, or a gift for some other occasion. When this happens, let them know the gift […]
Continue Readingby Craig Moser on July 19, 2019
Let’s face it, you know all of your financial information, or at least who to contact to get it. But do you share that information with your family? If not, I suggest creating a roadmap to locate important financial information. […]
Continue Readingby Craig Moser on July 5, 2019
As college costs continue to increase, parents are exploring every possible tool available to meet those costs. Roth IRAs can play a significant role, but the rules can be confusing. Before paying for college with your Roth IRA, make sure […]
Continue Readingby Craig Moser on June 21, 2019
These days, planning for retirement isn’t just a luxury. It’s a necessity. Retirement has become too complex to just pick a day to stop showing up for work. You have to factor in savings, expenses, taxes, and other spending. And […]
Continue Readingby Craig Moser on June 7, 2019
A revocable living trust is a unique way to own property today and transfer it to the beneficiary you choose at the time of death. It’s an estate planning tool that doubles as an effective financial planning tool. Here are […]
Continue Readingby Craig Moser on May 24, 2019
It can be very hard for people to grasp the fact that contributing to a tax-deferred IRA and/or 401k plan isn’t necessarily the best choice. There is a question of national debt, and a strong probability taxes will be higher […]
Continue Readingby Craig Moser on May 10, 2019
At age 70 1/2, you begin taking Required Minimum Distributions (RMDs), from your IRA or qualified plan. To determine the amount, divide your account balance on December 31 of the previous year (adjusted for outstanding rollovers and transfers) by your […]
Continue Readingby Craig Moser on April 26, 2019
There may come a time when you decide to rollover an IRA. When you’re in this situation, you need to understand the benefits of a direct transfer (direct rollover) versus a 60-day rollover (indirect rollover). Because this directly impacts your […]
Continue Readingby Craig Moser on April 12, 2019
Do you remember learning the six “W” questions in grade school? They are: Who, What, When, Where, Why and How. You probably remember these, but do you know the Six W Questions Retirement? Answering these questions help you determine the […]
Continue Readingby Craig Moser on March 22, 2019
You may have seen people grumbling on social media about smaller tax refunds this year. Major media outlets (NY Times, USA Today, Washington Post, etc.) are reporting the average tax refund check is lower this year. Many think the tax […]
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