by Craig Moser on April 27, 2017
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 Readingby Craig Moser on April 13, 2017
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 end […]
Continue Readingby Craig Moser on March 31, 2017
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 in […]
Continue Readingby Craig Moser on March 21, 2017
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, go […]
Continue Readingby Craig Moser on March 3, 2017
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-term […]
Continue Readingby Craig Moser on February 24, 2017
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 an […]
Continue Readingby Craig Moser on February 17, 2017
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 Readingby Craig Moser on February 3, 2017
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 with […]
Continue Readingby Craig Moser on January 20, 2017
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, then […]
Continue Readingby Craig Moser on January 6, 2017
An employer-sponsored 401(k) savings plan is a great vehicle for accumulating wealth on a tax-deferred basis. Because all 401(k) plans are not created equal, you may need to improve the plan so it better meets your needs. All you have […]
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