When Mutual Funds Distribute Capital Gains

by Craig Moser on November 3, 2017

What happens when mutual funds distribute capital gains?  Selling at a profit generates short-term and long-term gains.  Distributing short-term capital gains as income dividends makes them subject to ordinary income taxes. Stocks and/or bonds pooled into one investment that usually […]

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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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