by Craig Moser on July 27, 2018
There’s an old saying, “you can pick your friends but you can’t pick your family!” Even if we could, no one would pick Uncle Sam because he always wants your money; even when you retire. Have you thought about paying […]
Continue Readingby Craig Moser on July 13, 2018
Roth IRAs are amazing tools for accomplishing wealth creation and transfer. One creative use of a Roth account is naming a young child as the beneficiary. At your death, the child takes minimum required distributions (RMDs) for his/her own life […]
Continue Readingby Craig Moser on June 29, 2018
With all the misinformation, complex benefit formulas and individual opinions, navigating Social Security can feel like a mine field. An even worse, selecting the wrong path can lead to a costly mistake. Before you make your decision, here are 5 […]
Continue Readingby Craig Moser on June 15, 2018
Daydreaming about retirement can be a lot of fun. And if you’re married, you’ve probably been thinking in terms of when “we retire, we’re going to … (fill in the blank)”. Unfortunately, fantasy doesn’t always translate to reality. You need […]
Continue Readingby Craig Moser on June 1, 2018
Have you thought about taxes and your future? We all know the government has bills to pay. To do that, they need tax revenue. Generating that tax revenue is debated with two primary choices. Either ask a smaller percentage of […]
Continue Readingby Craig Moser on May 18, 2018
You’re probably like many Americans with your 401k’s and IRA’s being your largest pool of assets. Therefore, in times of financial trouble, you may want liquidity from your IRA. Due to the possible negative effects on your retirement savings, and […]
Continue Readingby Craig Moser on May 4, 2018
Hopefully you know about the potholes in your road to retirement. As a Certified Financial Planner, I’ve help get hundreds of people on the road to retirement. I consistently see overlooked potholes that significantly impact your ability to achieve a […]
Continue Readingby Craig Moser on April 20, 2018
Spousal IRA’s are unique. They allow a working spouse to make IRA contributions for a spouse who doesn’t work or doesn’t have enough earned income to make individual IRA contributions. There are some specific rules and requirements, but they help […]
Continue Readingby Craig Moser on April 13, 2018
You’ve paid off your house and the kids have moved out, leaving you without any beneficial tax write offs. You want to give to charity, but also want to take advantage of the charitable giving tax break. A QCD may […]
Continue Readingby Craig Moser on April 6, 2018
Many retirement plans don’t require taxes during the accumulation phase. However, at some point, you always pay taxes on income. There is no skirting it. Because you withdraw from those tax-deferred retirement plans during retirement, you also pay taxes on […]
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