Broker Check

2555 Townsgate Road
Suite 300
Westlake Village, CA 91361

RICK NORKIN, CLU

(805) 370-1444

 

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Thursday, May 18, 2017

My Social Security Optimization software can help a surviving spouse make an informed decision regarding claiming benefits. Benefits for the surviving spouse may be available at age 60 or earlier and unmarried children of the deceased...

 

Thursday, April 20, 2017

Government Pension Offset (GPO) and the Windfall Elimination Provision (WEP) - If you are receiving or eligible for a pension from a federal, state or local government based on work for which you didn't pay Social Security taxes and...

 

Thursday, April 13, 2017

Deciding when to file for Social Security is one of the most important decisions facing a retiree. Married couples have a multitude of choices. How can you make an informed decision without all the facts? I can help. My Married Couples...

 

Monday, April 3, 2017

I received the call the other day. My office phone rings, there is a noticeable silence, the sound of a little rattle and then a pleasant female voice say, "I'm very sorry. I was having trouble with my headset. Can you hear me?" If you...

 

Friday, March 31, 2017

Everyone receives e-mails from friends warning them of the latest scams. Having worked for financial instutions for many years I want to pass on a piece of advice. Financial institutions will NEVER call asking for information they...

 

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Tuesday, October 20, 2015

Written by David Cechanowicz, JD, MSFS, CLU, ChFC, Social Security Timing Director of EducationOur phones rang off the hook, and emails flooded our inboxes immediately following the government’s Oct. 15th announcement that Social...

 

Tuesday, July 7, 2015

U.S. equities face their biggest test of 2015. June definitely ended with some drama. When Greek government officials told Reuters Monday that the nation could not make its €1.5 billion loan repayment to the International Monetary...

 

Wednesday, March 18, 2015

A look at the IRS “dirty dozen” list.Have you heard of the “dirty dozen?” Each year, the IRS lists the top 12 recurring federal tax offenses – frauds, cheats, feints and schemes that ethically challenged taxpayers, tax preparers and...

 

Wednesday, March 18, 2015

Most of us will never face taxes related to money or assets we give away.“How can I avoid the federal gift tax?” If this question is on your mind, you aren’t alone. The good news is that few taxpayers or estates will ever have to pay...

 

Wednesday, March 18, 2015

A primer on 1099 forms. There are 17 types of 1099 forms, and you may have received one or more of them in the mail. Here’s a brief rundown of what they report.1 1099-A. This form is a consequence of foreclosure or bank...

 

Thursday, March 5, 2015

Beware of crooks calling you up & claiming to be the IRS. Every year, con artists posing as the Internal Revenue Service perpetrate scams on taxpayers. Their weapon is a telephone, and they use it to leave thousands of households...

 

Thursday, March 5, 2015

Don’t let the market’s jumps rattle your commitment to staying invested.What the market does today, it may not do tomorrow. That may seem elementary, but there are days, weeks, months, and even years when that investing lesson is...

 

Thursday, March 5, 2015

Why do so many people choose them over traditional IRAs?The IRA that changed the whole retirement savings perspective. Since the Roth IRA was introduced, it has become a fixture in many retirement planning strategies. The key argument...

 

Thursday, March 5, 2015

New Approaches to a Changing Problem.How bad is financial illiteracy today? So bad that your children may be at risk of making some serious financial mistakes. Some are finding that talking to children about finances has become less...

 

Monday, March 2, 2015

Pragmatism seems to be replacing pessimism, at least.Is it okay to retire today? Many baby boomers shelved notions of retiring during the past few years. Layoffs, the decline in home values, the crushing bear market of 2007-09 – those...

 

Monday, March 2, 2015

A year? Seven years? It depends.“You should retain copies of your federal tax returns for 7 years.” Is that true, or a myth? How long should you keep those quarterly and annual statements you get about your investment accounts? And...

 

Wednesday, February 25, 2015

If you haven’t done it, now’s the time.How prepared are you to prepare your 1040? The earlier you compile and organize the relevant paperwork, the easier things may be for you (or the tax preparer working for you) this winter. Here...

 

Wednesday, February 25, 2015

Try living as a “retiree” for a month or two before you commit to leaving your career.Imagine if you could preview your retirement in advance. In a sense, you can. Financially and mentally, you can “rehearse” for the third act of your...

 

Wednesday, February 18, 2015

Physical, mental & financial warning signals. Is someone taking advantage of someone you love? June 15 is World Elder Abuse Prevention Day, a day to call attention to a crisis that may become even more common as baby boomers enter the...

 

Monday, February 9, 2015

If something sounds too good to be true, guess what: it probably is.If you are in or near retirement, it is a safe bet that you would like more yield from your investments rather than less. That truth sometimes leads liars, scammers...

 

Monday, February 9, 2015

How do you claim them? How much can you receive?About 5 million widowed Americans get Social Security survivor benefits. If your spouse has passed, you may be eligible to collect them. This means that you could receive as much as 100%...

 

Monday, February 2, 2015

Millions of taxpayers may end up doing so in 2015.If you received a 2014 health insurance subsidy, you may get an unpleasant surprise. When the Health Insurance Marketplace (HIM) went online in late 2013, Americans shopping for...

 

Thursday, January 29, 2015

Don’t let these slip-ups creep into your federal tax return.No one wants to delay their federal tax refund. As you certainly don’t, filling out your 1040 form correctly is essential. To that end, it is worth noting some of the common...

 

Thursday, January 29, 2015

Here is what you need to know.Financially, many of us associate April with taxes – but we should also associate April with important IRA deadlines. *April 1 is the absolute deadline to take your first Required Mandatory Distribution...

 

Tuesday, January 20, 2015

A “not-to-do” list for the new year & years to follow.How are your money habits? Are you getting ahead financially, or does it feel like you are running in place? It may come down to behavior. Some financial behaviors promote wealth...

 

Tuesday, January 13, 2015

Developing a better budgeting process may be the biggest step toward that goal.Where does your money go? If you find yourself asking that question from time to time, it may relate to cash flow within your household. Having a cash flow...

 

Monday, January 12, 2015

Can a 5-question test predict how wealthy you will become?In the future, will you become wealthier or poorer? Who knows, right? It seems like you would need a crystal ball to really answer that question given life’s up and downs. What...

 

Monday, January 5, 2015

What should you bring to your preparer?You can file your federal tax return starting January 20. IRS filing season will start right on time in 2015, and there is wisdom in filing your 1040 well before April 15. You can get it out of...

 

Monday, January 5, 2015

Corporations are transferring pension liabilities to third parties. Where does this leave retirees? A new phrase has made its way into the contemporary financial jargon: derisking. Anyone with assets in an old-school pension plan...

 

Monday, December 29, 2014

The clock is ticking ... is opportunity knocking?If you hurry, you might realize some nice tax breaks before 2014 runs out. Once again, Congress has acted at the eleventh hour to bring back some expired tax perks. H.R. 5771, the Tax...

 

Monday, December 29, 2014

It may seem like a tall order, but it can be accomplished.Plan to put yourself steps ahead of your peers. If you have a young, growing family, no doubt your to-do list is pretty long on any given day. Beyond today, you are probably...

 

Monday, December 22, 2014

A rundown of the big & little alterations coming next year.2015 will bring COLAs, changes & something new. Each year, the retirement benefits landscape looks a little different, and next year is no exception. Here’s a look at what...

 

Monday, December 22, 2014

Investing timidly may shield you against risk... but not against inflation.When is being risk-averse too risky for the sake of your retirement? After you conclude your career or sell your company, you have a right to be financially...

 

Monday, December 22, 2014

How long will it last? Who wins & loses from it?On the New York Mercantile Exchange, a barrel of light sweet crude is currently worth well under $60. Prices have dropped more than 25% in a month and almost 45% year-over-year. What is...

 

Monday, December 22, 2014

These estate planning tools may also help in exit planning.Discover a pair of underappreciated exit planning vehicles. Charitable remainder unit trusts (CRUTs) and charitable remainder annuity trusts (CRATs) are commonly seen as...

 

Monday, December 22, 2014

Has unchecked optimism inflated asset values? “Irrational exuberance.” That phrase – uttered by Federal Reserve Chairman Alan Greenspan in 1996 and reputedly coined by economist Robert Shiller – has become part of the investment...

 

Monday, December 22, 2014

Remember that the major indices don’t represent the entirety of Wall Street. The S&P 500 is up about 10% YTD, why aren’t I? If your investments are lagging the broad benchmark, you may be asking that very question. The short answer is...

 

Thursday, December 18, 2014

In 2014, we witnessed another year of gains for the US Market. Many investors are tempted to jump entirely into domestic holdings, but history has shown that this can be a costly move. Chasing returns can lead to buying when prices are...

 

Monday, December 15, 2014

A recent tax court ruling now limits the frequency of IRA rollovers. Do you like to shop around online for the best CD rates? Do you have a habit of moving certificates of deposit from bank to bank in pursuit of better yields? If you...

 

Monday, December 15, 2014

Recipients get a raise in 2015. Ideas for reform are numerous.Social Security benefits are increasing 1.7% in 2015. This marks the fourth straight yearly cost-of-living adjustment, following a 1.5% COLA for 2014.1 Next year, the...

 

Monday, December 15, 2014

Seven aspects of your financial life to review as the year draws to a close.The end of a year makes us think about last-minute things we need to address and good habits we want to start keeping. To that end, here are seven aspects of...

 

Monday, December 15, 2014

Things you can do before & for 2015.What financial, business or life priorities do you need to address for 2015? Now is a good time to think about the investing, saving or budgeting methods you could employ toward specific objectives....

 

Tuesday, December 9, 2014

A retirement savings vehicle designed for the smallest businesses. A solo 401(k) lets a self-employed individual set up a 401(k) plan combined with a profit-sharing plan. You can create one of these if you work for yourself or if you...

 

Monday, December 8, 2014

Here are some things you might want to do before saying goodbye to 2014. What has changed for you in 2014? Did you start a new job or leave a job behind? Did you retire? Did you start a family? If notable changes occurred in your...

 

Monday, December 8, 2014

A useful year-end move to counteract capital gains. Even though 2014 may end up being a subpar year for stocks, you may realize short-term capital gains. What will you do about them? You could do what many savvy investors do – you...

 

Monday, December 1, 2014

A look back at 2014 thus far The year in brief. When 2013 ended, few Wall Street investment strategists had high hopes for the market – the thought was that the S&P 500 would post a single-digit advance for 2014. In fact, a Birinyi &...

 

Monday, December 1, 2014

What little steps can you take to keep from getting carried away? You’ve seen the footage on the news. You’ve been in the middle of it. You’ve stood in the vexing lines. You’ve circled for the elusive parking spots. Holiday shopping...

 

Tuesday, November 25, 2014

Health Savings Accounts offer you tax breaks & more. Why do people open up Health Savings Accounts in conjunction with high-deductible insurance plans? Well, here are some of the compelling reasons why younger, healthier employees...

 

Friday, November 21, 2014

Things to check & double-check as you prepare. Estate planning is a task that people tend to put off, as any discussion of “the end” tends to be off-putting. However, those who die without their financial affairs in good...

 

Friday, November 21, 2014

Notice 2014-54 clears up ambiguity & opens the door to tax-free Roth conversions. Do you contribute to a qualified retirement plan at work, such as a 401(k), 403(b) or 457 plan? Does your account have a large balance? If so, you’ll be...

 

Monday, November 10, 2014

Retiring? Saving for retirement? Here’s some good news. Are 90% of articles written about retirement pessimistic? Sometimes it seems that way. Repeatedly, we are reminded that most baby boomers haven’t saved enough for the future....

 

Monday, November 10, 2014

Things for trailing-edge boomers & Gen Xers to consider. When you turn 50, retirement starts to seem less abstract. In terms of retirement planning, a 50th birthday can act as a wake-up call. It may offer a powerful reminder to...

 

Monday, November 3, 2014

What can you do to lessen its impact for your heirs? Probate subtly reduces the value of many estates. It can take more than a year in some cases, and attorney’s fees, appraiser’s fees and court costs may eat up as much as 5% of a...

 

Monday, November 3, 2014

The year is coming to a close. Have you thought about these financial ideas yet? As every calendar year ends, the window slowly closes on a set of financial opportunities. Here are several you might want to explore before 2015 arrives...

 

Thursday, October 30, 2014

Here are some things to consider. Be sure you understand your options. When the owner of an IRA passes away, his or her heirs must be aware of the rules and regulations affecting the inherited IRA. Ignorance could lead you straight...

 

Monday, October 27, 2014

What steps may help assets transfer without a fight? Should you rely on “will power” to bequeath assets? The more complex your estate, the more ill-advised that choice becomes. Having only a will in place when you die may not be...

 

Monday, October 27, 2014

Charities, universities & wealthy IRA owners hope it will happen. A great idea is hard to dismiss. Congress failed to extend the IRA charitable rollover provision into 2014. That took a terrific charitable gifting option off the table...

 

Monday, October 20, 2014

A handful of American diagnoses do not signal an epidemic. You are more likely to die from killer bees than contract the Ebola virus. Statistically, that is currently the case. As The Economist notes, an American’s chances of dying...

 

Monday, October 20, 2014

How will the market contend with a major unknown? What is the Ebola virus doing to stocks? That depends on who you ask. While the threat of another European recession, rapidly falling oil prices and the oncoming end of QE3 all had a...

 

Monday, October 13, 2014

These are the words that make investors irrational. “This time is different.” Beware those four little words. They are perhaps the most dangerous words an investor can believe in. If you believe “this time is different,” you are...

 

Monday, October 13, 2014

A hugely volatile week concludes. What’s next as earnings season gets underway? During this past trading week, volatility ruled Wall Street. In fact, stocks either fell or rose 1.5% or more on three consecutive trading days. That had...

 

Monday, October 6, 2014

Do you recognize the major factors that may affect it? How’s your ability to withstand short-term losses? This is the question at the core of any discussion of risk tolerance. Some people are able to ride through turbulence in the...

 

Monday, October 6, 2014

Why aren’t we saving as much as we should? We know that qualified retirement plans and IRAs are prime long-range savings vehicles; we use them to accumulate assets and invest for the future. So why aren’t some of us amassing the...

 

Monday, September 29, 2014

Here’s why it can be a good idea.You may have read that you don’t need to buy life insurance early in life. That’s not necessarily true. In fact, getting a policy before midlife may prove wise. Relatively few people opt for life...

 

Monday, September 29, 2014

With the cost of long term care insurance rising, they are gaining attention.Could these products answer a financial dilemma? Many high net worth households worry about potential long term care expenses, but they are reluctant or...

 

Monday, September 29, 2014

Breaking down the basics & what each part covers.Whether your 65th birthday is on the horizon or decades away, you should understand the parts of Medicare – what they cover, and where they come from. Parts A & B: Original Medicare....

 

Monday, September 22, 2014

Breaking down the different choices.When it comes to life insurance, there are many options. You may have heard terms like “whole life insurance,” “term insurance,” or “variable insurance,” but what do they really mean? And what are...

 

Monday, September 22, 2014

It just might be. Here’s why baby boomers are choosing immediate annuities.Worried about outliving your money? You share that fear with many baby boomers. No one wants to spend their last dollar before the last day of their life....

 

Tuesday, September 16, 2014

Who should inherit your IRA or 401(k)? See that they do.Here’s a simple financial question: who is the beneficiary of your IRA? How about your 401(k), life insurance policy, or savings account? You may be able to answer such a...

 

Tuesday, September 16, 2014

What you need to know.When you reach age 70½, the IRS instructs you to start making withdrawals from your Traditional IRA(s). These IRA withdrawals are also called Required Minimum Distributions (RMDs). You will make them annually...

 

Wednesday, September 10, 2014

Six signs that you are in good shape. How well off do you think you are financially? If your career or life takes an unexpected turn, would your finances hold up? What do you think will become of the money you’ve made and saved when...

 

Wednesday, September 10, 2014

The SEC rolls out a test program. How much impact will it have? The Securities & Exchange Commission wants to address the pricing inefficiencies linked with high-speed trading. With that goal in mind, it has ordered the Financial...

 

Tuesday, September 2, 2014

Certain misconceptions ignore the realities of retirement. Generalizations about money & retirement linger. Some have been around for decades, and some new clichés have recently joined their ranks. Let’s examine a few. “When I’m...

 

Monday, August 25, 2014

Some not-so-small matters to think about.When you tie the knot, your financial lives will change. Marriage is one of those life events that can really affect your money and tax situation. If you are about to wed, here are a couple of...

 

Tuesday, August 19, 2014

What people don’t always realize about life after work. If you have saved and invested consistently for retirement, you may find yourself ready to leave work on your terms – with abundant free time, new opportunities, and wonderful...

 

Tuesday, August 19, 2014

A summary of what you need to know.Key Medicare enrollment periods are approaching. This fall and winter, there are three periods in which Medicare beneficiaries can either enroll or disenroll in forms of coverage. * Oct. 15-Dec. 7:...

 

Monday, August 11, 2014

It isn’t always top of mind, but it should be. How many of us save and invest with an eye on tax implications? Not that many of us, according to a recent survey from Russell Investments (the global asset manager overseeing the...

 

Monday, August 4, 2014

What do you do when an account owner passes away? If your loved ones have invested, saved or insured themselves to any degree, you may be named as a beneficiary to one or more of their accounts, policies or assets in the event of...

 

Monday, August 4, 2014

They are no longer exempt from creditors & bankruptcy proceedings. A SCOTUS ruling raises eyebrows. On June 12, 2014, the Supreme Court ruled 9-0 that assets held within inherited IRAs by non-spousal beneficiaries do not legally...

 

Tuesday, July 29, 2014

Your outlook may influence your financial outcome.What kind of retirement do you think you’ll have? An outstanding one? A depressing one? What if it all starts with your outlook? Qualitatively speaking, what if the success or failure...

 

Monday, July 21, 2014

A summary of what you need to know.Key Medicare enrollment periods are approaching. This fall and winter, there are three periods in which Medicare beneficiaries can either enroll or disenroll in forms of coverage. * Oct. 15-Dec. 7:...

 

Monday, July 21, 2014

Agreeing about what you want from retirement is crucial.What does a good retirement look like to you? Does it resemble the retirement that your spouse or partner has in mind? It is at least roughly similar? The Social Security...

 

Monday, July 14, 2014

Is the conventional wisdom for everyone? Questioning traditional assumptions about retirement planning can be illuminating. Some retirement planners and economists argue that they need to be reexamined. Does most retirement planning...

 

Monday, July 14, 2014

Offshore accounts are receiving a new level of scrutiny. The federal government implements new rules to fight tax dodgers. As of July 1, 2014, the Foreign Account Tax Compliance Act (FATCA) is in effect. FATCA requires something new...

 

Monday, July 7, 2014

A little frugality may lead to a lot of financial progress. Americans have a great deal of disposable income relative to many other nations, yet our free spending can take us further and further away from the potential for financial...

 

Monday, July 7, 2014

Plan to create a pool of healthcare dollars that will grow in any market. How will you pay for long term care? The sad fact is that most people don’t know the answer to that question. But a solution is available. Many baby boomers are...

 

Tuesday, June 24, 2014

It is projected to grow even larger. What does that imply for the economy? In 1835, something financially remarkable happened: the federal government paid off the national debt.1 It hasn’t happened since. Through myriad presidential...

 

Tuesday, June 24, 2014

Do its risks offset its advantages? Has high-frequency trading made things better on Wall Street, or worse? It has its adherents and detractors. What does HFT amount to – a lurking danger, a market necessity, a hidden tax on the small...

 

Tuesday, June 24, 2014

It can give you a tax break. It can give a charity a tax break in the future. Why sell shares when you can gift them? If you have appreciated stocks in your portfolio (and you hold them in a non-qualified account that doesn’t get...

 

Monday, June 16, 2014

What do you do with big money?A first-world problem, and nothing more? Not quite. Getting rich quick can be liberating, but it can also be frustrating. Sudden wealth can help you resolve anxieties about funding your retirement or your...

 

Monday, June 9, 2014

How many can you prevent yourself from making?Year after year, in bull and bear markets, investors make some all-too-common blunders. They have been written about, talked about, and critiqued at some length – and yet they are still...

 

Monday, June 2, 2014

Economists aren’t alarmed. Investors shouldn’t be either. Blame it on winter, not the consumer. The second estimate of first-quarter growth arrived on May 29, and according to the Bureau of Economic Analysis there was no growth at all...

 

Monday, June 2, 2014

How things stand in a post-Windsor world. The playing field is level – but only at the federal level. A year after the Supreme Court’s landmark decision in U.S. v. Windsor, financial options have definitely improved for gay and...

 

Wednesday, May 21, 2014

A look at the fundamentals affirms the hunch. The stock market may be up and down this year, but America’s economic recovery seems to be proceeding at a decent pace. Anyone who wants some evidence of that can find it in some key...

 

Tuesday, May 20, 2014

Why not plan to lighten your financial burden?Positive moves to counteract negative cash flow. The financial analysis website nerdwallet.com keeps track of the various debts common to the U.S. household. As of April 2014, they’ve...

 

Tuesday, May 20, 2014

A convenient move that could ward off probate on your accounts. TOD, JTWROS...what do these obscure acronyms signify? They are shorthand for transfer on death and joint tenancy with right of ownership – two designations that permit...

 

Tuesday, May 20, 2014

Do you have a strategy to follow? Have you created a company that someone will want to buy? Your children won’t necessarily want to take over your business, so an exit strategy is essential to getting the outcome you want. You must...

 

Monday, May 12, 2014

How do you contend with it? How do you avoid letting it unnerve you? If you want significant reward, you will have to assume some risk. Anyone investing in securities – particularly stocks and funds – must accept that reality....

 

Monday, May 12, 2014

It is only wise to consider what Medicare won’t cover in the future. As you save for retirement, you also recognize the possibility of having to pay major health care costs in the future. Is there some way to plan for these expenses...

 

Monday, May 5, 2014

Paying them down, managing their financial impact. Are student loans holding our economy back? Certainly America has recovered from the last recession, but this is an interesting question nonetheless. In a November 2013 address before...

 

Tuesday, April 29, 2014

A study suggests the “conventional wisdom” may be flawed.If you move away from equities with age, are you making a mistake? For some time, financial professionals have encouraged investors to lessen their exposure to the stock market...

 

Tuesday, April 29, 2014

Is the virtual currency a fad, or the future? Mention “bitcoin” to assorted economists or investors, and you may trigger all kinds of associations. To some, it signifies an exciting new reality – a digital currency, with a payment...

 

Tuesday, April 29, 2014

Are you underinsured, or not insured at all?When was the last time you looked at your life insurance coverage? Why not do it now? Life insurance can be a remarkable utility as an estate planning and tax-saving tool. Whether you have...

 

Tuesday, April 29, 2014

Medical reimbursement plans to benefit the smallest businesses. Some businesses start small and stay small, by design. You may own such a business. Perhaps things begin and end with you, or maybe you employ one other person – your...

 

Tuesday, April 29, 2014

A tax court ruling raises eyebrows & leads to a decision that may affect you. What was once allowed is now prohibited. In 2008, an affluent New York City couple made a series of withdrawals and transfers among contributory IRAs,...

 

Tuesday, April 22, 2014

The “dirty dozen” that criminals & cheats try to get away with year-round.Year after year, criminals try to scam certain taxpayers. Year after year, certain taxpayers resort to schemes in an effort to put one over on the IRS. These...

 

Tuesday, April 22, 2014

How vulnerable are your accounts?A plague at the heart of the Internet. Anyone who ventures online should be aware of the risks posed by Heartbleed, the biggest threat to Internet security in at least a couple of years. All Internet...

 

Monday, April 14, 2014

Statistics point out the need to save early, save consistently & stay invested.Will you live to be 100? If you’re a woman, your odds of becoming a centenarian are seemingly better than those of men. In the 2010 U.S. Census, over 80%...

 

Monday, April 7, 2014

Sometimes you can take penalty-free early withdrawals from retirement accounts.Do you need to access your retirement money early? Usually, anyone who takes money out of an IRA or a retirement plan prior to age 59½ faces a 10% early...

 

Monday, March 31, 2014

Examining the potential differences between assumption & reality. Financially, how might retirement differ from your expectations? To some degree, it will. Just as few weathercasters can accurately predict a month’s worth of...

 

Monday, March 24, 2014

Take steps so criminals won’t take vital information from you. America is enduring a data breach epidemic. As 2013 ended, the federal Bureau of Justice Statistics released its 2012 Victims of Identity Theft report. Its statistics were...

 

Monday, March 24, 2014

Markets weigh Janet Yellen’s comments & the new policy statement. Wall Street skips a beat on three words. The words were “around six months,” and they were spoken by Federal Reserve chair Janet Yellen at the Federal Open Market...

 

Monday, March 24, 2014

Breaking down the enrollment periods and eligibility.Medicare enrollment is automatic for some. For those receiving Social Security benefits, the coverage starts on the first day of the month you turn 65. Your enrollment is also...

 

Monday, March 24, 2014

This 1990s retirement planning principle seems questionable today. In 1994, a financial advisor named Bill Bengen published research articulating the “4% rule”, which became a landmark of retirement planning. The 4% rule postulates...

 

Monday, March 24, 2014

A reminder about mandatory withdrawals from IRAs & other retirement plans. Just what is an RMD? After you turn 70½, the IRS requires you to withdraw some of the money in most retirement savings accounts each year. These withdrawals...

 

Monday, March 17, 2014

Killing Several Birds with One Stone In planning for your retirement, you may face several financial issues. Maybe you’d like to generate retirement income, but want to minimize the taxes on investments you’ve held for several years....

 

Monday, March 17, 2014

Why would you buy a bond for more than its par value? You buy a corporate bond at par or at a discount, right? It just seems like common sense. What would lead you to purchase a corporate bond at a premium? Actually, investors do...

 

Monday, March 17, 2014

New economic & political concerns are putting stocks to the test. Dow drops again, analysts wonder. March 13 saw another triple-digit descent for the blue chips – the Dow Jones Industrial Average plummeted more than 230 points, the...

 

Monday, March 10, 2014

What could that money do for you?Is a tax refund coming your way? If you have already received your refund for the 2013 tax year or are about to receive it, you might want to think about the destiny of that money. Here are some...

 

Monday, March 3, 2014

Patience & diversification matter in all manner of stock market climates.Stocks rise, fall ... and rise again. Volatility certainly came back to Wall Street during the first several weeks of 2014 in the form of a 7.2% descent for the...

 

Monday, March 3, 2014

The following article raises many important issues. Other resources are available under the "SSI Planning" tab. I have technology available that will simplify the decision process. I encourage you to request a complementary customized...

 

Monday, February 24, 2014

Your assets matter more than your age. Isn’t 65 the traditional retirement age? Perhaps, but baby boomers are modifying the definition of a traditional retirement (if not redefining it altogether). The Social Security...

 

Tuesday, February 18, 2014

Read this if you want to preserve more of your nest egg & lower your tax bill. Location, location, location ... It matters when it comes to real estate, and it also matters when it comes to the way you hold and invest your retirement...

 

Monday, February 10, 2014

Certain financial & lifestyle choices may lead you toward a better future.Some retirees succeed at realizing the life they want, others don’t. Fate aside, it isn’t merely a matter of stock market performance or investment selection...

 

Monday, February 3, 2014

New & old concepts to address the retirement savings gap.How many 401(k)s have more than $100k in them? According to the Employee Benefit Research Institute (EBRI), the average 401(k) balance at the end of 2012 was $63,929. Even with...

 

Monday, January 27, 2014

If you haven’t done it, now’s the time. How prepared are you to prepare your 1040? The earlier you compile and organize the relevant paperwork, the easier things may be for you (or the tax preparer working for you) this winter. Here...

 

Tuesday, January 21, 2014

Here is what you need to know for 2014.Financially, many of us associate April with taxes – but we should also associate April with important IRA deadlines. *April 1 is the absolute deadline to take an initial IRA Required Mandatory...

 

Monday, January 13, 2014

A lack of vision is often the answer to that question.Many are the stories of family wealth lost. In the late 19th century, industrial tycoon Cornelius Vanderbilt amassed the equivalent of $100 billion in today’s dollars – but when...

 

Monday, January 6, 2014

B Little things you could do that could help you leave work a little sooner.Little things matter. When planning for retirement, people naturally think about the big things – arranging sufficient income, amassing enough savings,...

 

Monday, December 30, 2013

How good a year was it for the economy? Statistics tell the tale.Was 2013 a terrific year for stocks? Absolutely. The good news wasn’t limited to Wall Street, however: the employment rate fell, the economy revved up, home prices rose...

 

Monday, December 23, 2013

More improvement may be in store for the economy & the stock market.Will the economy & the bull market make further strides next year? On both Wall Street and Main Street, 2013 has turned out better than many analysts expected. Will...

 

Monday, December 23, 2013

The FOMC authorizes a minor reduction in bond buying starting in 2014. December 18 turned out to be T-Day: the day on which the Federal Reserve finally tapered QE3. In making the move, the Fed acknowledged an improving economy; Wall...

 

Friday, December 20, 2013

Help the causes you care about & help your finances in the process.An opportunity for you to give & save. As 2013 ends, you may be considering making one or more charitable gifts. In most instances, they are tax-deductible with...

 

Monday, December 9, 2013

Could 2013 end up being the best year for stocks since 1995? In financial terms, 2013 has been a very nice year – a year in which the economy, the housing and business sectors and the stock market have all improved. Looking back over...

 

Monday, December 9, 2013

Rules changes for IRAs, 401(k)s & other savings vehicles. The IRS has made minor adjustments to retirement plan limitations for 2014. As inflation has been tame in 2013, these COLAs aren’t dramatic; as a result, some retirement plans...

 

Monday, December 9, 2013

Some may be renewed, others may not be. At the end of every year, certain federal tax breaks face a sunset. Some are renewed, some expire. As 2014 will soon start, here is a list of some of notable tax provisions that may go away next...

 

Monday, November 18, 2013

Save for retirement consistently, regardless of how the market behaves. There is seldom a dull moment on Wall Street. Stocks may rise or fall dramatically over the course of a year or a decade. Sometimes, breaking news may tempt you...

 

Monday, November 11, 2013

Rules changes for IRAs, 401(k)s & other savings vehicles. The IRS has made minor adjustments to retirement plan limitations for 2014. As inflation has been tame in 2013, these COLAs aren’t dramatic; as a result, some retirement plans...

 

Monday, November 11, 2013

Next year’s small COLA isn’t the only adjustment related to the program. Here are six things you need to know about Social Security for 2014. For clarity’s sake, here is a rundown of what is changing next year, and what isn’t. Social...

 

Wednesday, November 6, 2013

Are memories of the downturn hurting the financial potential of boomers? At the end of October, the S&P 500 was up 24.39% in the past 12 months. What investor wouldn’t want gains like that? As uplifting as that market advance was for...

 

Monday, October 28, 2013

Implications for the short term & the long term. In January, will the federal government be shuttered again? At first thought, it seems inconceivable that Congress would want to go through another protracted fight like the one that...

 

Monday, October 28, 2013

Where is everything? Time to organize and centralize your documents. Before retirement begins, gather what you need. Put as much documentation as you can in one place, for you and those you love. It could be a password-protected...

 

Monday, October 28, 2013

Their combined power must be recognized & appreciated. Why reroute dividends back into your investments? Isn’t taking the income the preferred outcome when a dividend is produced? Retirees and pre-retirees are eager for dividend...

 

Tuesday, October 22, 2013

A practical financial checklist for the future. When our parents retired, living to 75 amounted to a nice long life and Social Security was often supplemented by a pension. How different things are today! The good news is that life...

 

Tuesday, October 22, 2013

The fix is merely short-term, but it is certainly welcome. At the eleventh hour, a default is averted. After weeks of contention, a bill to reopen the bulk of the federal government and raise the debt ceiling made its way to the White...

 

Monday, October 14, 2013

Not making a move may not be the best move to make. A decision not made may have financial consequences. There is an old belief that women are more cautious about money than men, and whether you believe that or not, both women and men...

 

Monday, October 14, 2013

Perception, hesitation & poor decisions are factors. Why do some people let their potential for lifetime wealth slip away? Some people are better off economically at 30 or 40 than they are at 50 or 60. In some cases, fate deals them a...

 

Monday, October 14, 2013

A look at the economist newly nominated to lead the Federal Reserve. Janet Yellen – currently the vice chair of the Board of Governors of the Federal Reserve – has been nominated to succeed Ben Bernanke at the helm of the world’s most...

 

Monday, October 14, 2013

How did the market hold up then? What can we learn from that time? Will the market hold up as well as it did last time? That is the near-term question on the minds of some investors as the partial shutdown of the U.S. government drags...

 

Monday, October 7, 2013

Things you can do before & for 2014. What financial, business or life priorities do you need to address for 2014? Now is a good time to think about the investing, saving or budgeting methods you could employ toward specific objectives...

 

Monday, October 7, 2013

Think about the eventual destiny of your wealth. Women often become guardians of family wealth. Many women outlive their spouses, and have the opportunity to have the “final say” (from an estate planning standpoint) about the wealth...

 

Monday, October 7, 2013

A reminder about mandatory withdrawals from IRAs & other retirement plans. Just what is an RMD? After you turn 70½, the IRS requires you to withdraw some of the money in most retirement savings accounts each year. These withdrawals...

 

Monday, October 7, 2013

Basic information and frequently asked questions. As you have no doubt heard, the United States government shut down at midnight (Eastern) October 1, 2013. There are many questions and concerns about this situation, but here are some...

 

Monday, September 30, 2013

The global economic consequences could be severe. In October, America may risk running out of cash. Treasury Secretary Jacob Lew recently urged Congress to lift the federal debt limit before October 17. Secretary Lew claims that if...

 

Monday, September 30, 2013

Here are some things you might want to do before saying goodbye to 2013. What has changed for you in 2013? Did you start a new job – or leave a job behind? Did you retire? Did you start a family? If some notable changes occurred in...

 

Tuesday, September 24, 2013

Financially, there are reasons why you may want to work a bit longer. The case for working past 65. Increasingly, baby boomers are urged to work until full retirement age or beyond. (Social Security defines “full” retirement age as 66...

 

Tuesday, September 24, 2013

September Is Life Insurance Awareness Month. About 40% of Americans have no life insurance. LIMRA, an insurance industry group analyzing insurance trends in the U.S., recently found that among men and women, ownership of life...

 

Tuesday, September 24, 2013

Dear Readers,There is little doubt that Affordable Care Act will become the law of the land. The following article is timely. I would also like to let my readers know that I am in the process of becoming certified through Covered...

 

Monday, September 16, 2013

If you don’t tell your workers about the new health insurance exchanges, you may pay fines. The deadline is fast approaching. Do you own a business? Undoubtedly, you know that the employer mandate of the Affordable Care Act has been...

 

Monday, September 16, 2013

What changes should we consider making for next year? 2014 is really not too far away. Fall is the time of year when the financially savvy start to look for ways to reduce their taxes and make year-end moves in pursuit of key...

 

Monday, September 9, 2013

An underappreciated fundamental in financial planning. You’ve probably heard the saying that “cash is king,” and whether you own a business or not, it is a truth that applies. Most discussions of business and personal “financial...

 

Thursday, September 5, 2013

Are fears of a correction & runaway oil prices overblown, or justified? U.S. military action in Syria appears imminent. Assuming it happens, what happens to the financial markets? Investor reaction on August 27 (the day U.S....

 

Thursday, September 5, 2013

Why not stockpile pre-tax dollars to pay for future medical costs? Too often, employees think of Health Savings Accounts (HSAs) as if they were simply deposit accounts. In reality, HSAs have much greater financial potential – and it...

 

Thursday, September 5, 2013

If implemented, privatization may have significant side effects. On Capitol Hill and elsewhere, voices are calling for a major shift in public pension plan management – a shift toward privatization. Underfunding of public pensions is...

 

Tuesday, September 3, 2013

How preferable is one type of plastic to another? You’re about to purchase a pricy good or service and you don’t have your checkbook or enough cash on hand to do it. Should you pull out a debit card, or a credit card? Given the choice...

 

Tuesday, August 27, 2013

Glitches, “flash crashes” & other disturbances are becoming too numerous. “Why is this happening?” Those words were undoubtedly spoken on Wall Street Thursday. Perhaps you uttered them, too. At 12:14pm EST, a glitch halted all trading...

 

Tuesday, August 27, 2013

While the idea of retirement has changed, certain financial assumptions haven’t. We’ve all heard about the “new retirement”, the mix of work and play that many of us assume we will have in our lives one day. We do not expect...

 

Tuesday, August 20, 2013

Are they threatening the recovery? Or is their effect overstated? Between early May and mid-July, the average interest rate on the 30-year fixed-rate mortgage rose about 1%. Rates on 30-year FRMs have basically held steady since...

 

Tuesday, August 20, 2013

President Obama returns to an idea he introduced in 2012. What if corporate taxes were 7% lower? Specifically, what if the corporate tax rate was reset to 28%, 25% for manufacturing companies? As a tradeoff for this tax cut, what if...

 

Monday, August 12, 2013

The arguments for & against this estate planning decision Uncommon, or uncommonly wise? Occasionally, acouple or a family will elect to put their home into a revocable living trust, a charitable remainder trust (CRT) or a qualified...

 

Monday, August 12, 2013

How might things change for mortgage lenders & borrowers? Is a new home financing system ahead? In the text of a speech delivered August 6, President Obama said: “I believe that while our housing system must have a limited government...

 

Monday, August 5, 2013

Follow the rules, and significant tax deferral could be yours. Real estate investors who want to defer capital gains have a neat option: they can take advantage of Internal Revenue Code Section 1031 to exchange out of one investment...

 

Monday, August 5, 2013

What the acronyms signify & what affects investors. Dow. NASDAQ. S&P 500. Fear index. NYSE. Commodity prices. Earnings. Economic indicators. These are the gauges and signposts of investing, but if you stopped most people on the street...

 

Monday, July 29, 2013

What can you do to lessen its impact for your heirs? Probate subtly reduces the value of many estates. It can take more than a year in some cases, and attorney’s fees, appraiser’s fees and court costs may eat up as much as 5% of a...

 

Monday, July 22, 2013

Can your small business risk not having it? What kind of financial loss would your business face without its key employees? They are worth more than their salaries – their performance, professionalism and character make your company...

 

Monday, July 22, 2013

Retirement & estate planning strategies are being greatly altered. When the Supreme Court affirmed the legality of same-sex marriage in June, its ruling profoundly altered the financial planning landscape for gay and lesbian couples –...

 

Monday, July 15, 2013

The Supreme Court decision has brought significant change. When the Supreme Court voted to repeal Section 3 of the Defense of Marriage Act (DOMA) on June 26, it opened financial doors previously closed to same-sex couples....

 

Monday, July 15, 2013

Sustained affluence? Personal growth? A feeling of contentment? How do you know if your retirement is living up to its potential? There isn’t a standard definition of a successful retirement. (Maybe there should be, but there isn’t.)...

 

Monday, July 15, 2013

Can the federal government follow through on its ambitions? In 2014, we were supposed to see profound health care reform per the 2011 Affordable Care Act – but how much of that reform will roll out on time? The federal government has...

 

Monday, July 8, 2013

Larger businesses won’t be required to provide health insurance until 2015. Does your company have 50 or more full-time employees? Then it will not be required to provide affordable health insurance for those workers next year. On...

 

Monday, July 8, 2013

A windfall from a loved one can be both rewarding and complicated. Inheriting wealth can be a burden and a blessing. Even if you have an inclination that a family member may remember you in their last will and testament, there are...

 

Monday, July 1, 2013

Keep calm & carry on – it may be good for your portfolio. Why do so many retirement savers underperform the market? From 1993-2012, the S&P 500 achieved a (compound) annual return of 8.2%. Across the same period, the average investor...

 

Monday, June 24, 2013

Could it make the world a better place? Could it make sense financially?A gift to charity may prove to be a great financial favor to you. Some charitable gifting methods offer you notable tax advantages. Here’s a brief look at some...

 

Monday, June 17, 2013

Shouldn’t it be rising with all this bond buying? Consumer inflation just hit a 50-year low. So indicates the Federal Reserve’s preferred inflation gauge – the Personal Consumption Expenditures (PCE) price index maintained by the...

 

Wednesday, June 12, 2013

There is no simple answer, but consider some factors. You save for retirement with the expectation that at some point, you will have enough savings to walk confidently away from the office and into the next phase of life. So how do...

 

Monday, June 10, 2013

What the acronyms signify & what affects investors. Dow. NASDAQ. S&P 500. Fear index. NYSE. Commodity prices. Earnings. Economic indicators. These are the gauges and signposts of investing, but if you stopped most people on the street...

 

Tuesday, May 21, 2013

Irrevocable gifts to minors don’t always work out. Think twice before creating an UTMA account. Custodial investment accounts permitted under the Uniform Transfers to Minors Act (UTMA) allow families to gift assets to a child...

 

Tuesday, May 21, 2013

Most of us will never face taxes related to money or assets we give away. “How can I avoid the federal gift tax?” If this question is on your mind, you aren’t alone. The good news is that few taxpayers or estates will...

 

Tuesday, May 21, 2013

Could you end up paying for your parents’ nursing home care? Ever hear of “filial piety”? How about “filial support”? You may be unfamiliar with these phrases – and the laws based on them. A recent, notable court ruling has brought...

 

Tuesday, May 14, 2013

Investors aren’t yet backing out of stocks this spring. Healthy skepticism hasn’t motivated much selling. An old belief has lingered on Wall Street for years – the belief that investors should get out of stocks in May...

 

Tuesday, May 14, 2013

In 2013, you can once again donate up to $100k to a charity tax-free. The IRS extends a major tax break. Thanks to the American Taxpayer Relief Act of 2012, charitable IRA gifts are once again allowed in 2013. An IRA owner aged...

 

Monday, May 6, 2013

How will the Fed taper off its bond buying program?In its May 1 policy announcement, the Federal Reserve reaffirmed its commitment to its current stimulus campaign, or QE3 – its monthly purchase of $85 billion in bonds.1 QE3 has...

 

Monday, April 29, 2013

What makes financial sense for some baby boomers may not make sense for you. There is no “typical” retirement. Many baby boomers want one and believe that they will have one, and their futures may indeed unfold as planned. For others,...

 

Wednesday, April 24, 2013

A classic mistake that can come back to haunt you.Have you invested too much of your 401(k) in company stock? This can happen – and you may not be fully aware of it. Back when corporations offered traditional pension plans, the...

 

Wednesday, April 24, 2013

What can you do to lessen its impact for your heirs? Probate subtly reduces the value of many estates. It can take more than a year in some cases, and attorney’s fees, appraiser’s fees and court costs may eat up as much as 5% of a...

 

Monday, April 22, 2013

What raises eyebrows at the IRS?Are you worried about being audited? The fear may be overblown – according to Internal Revenue Service data, only 1% of taxpayers had their federal returns examined in 2012. Last year, 12.1% of...

 

Tuesday, April 16, 2013

Is higher education really the prerequisite for success? Do you need a college degree to succeed? That assumption is long-entrenched, and it isn’t hard to see a relationship between education and earning power. Yet the cost and debt...

 

Tuesday, April 16, 2013

Bonds and Interest Rates A look at how one can greatly affect the other. Is the bond bull history? Bond titan Bill Gross called an end to the 30-year bull market in fixed income back in 2010, and he has repeated his opinion since....

 

Monday, April 8, 2013

Create a pool of healthcare dollars that will grow in any market. How will you pay for long term care? The sad fact is that most people don’t know the answer to that question. But a solution is available. As baby boomers leave their...

 

Monday, April 8, 2013

Many myths surround these popular estate planning tools. Living trusts are created with a clearly defined objective: to avoid probate. Misconceptions about living trusts have spread to the point where people think they can accomplish...

 

Monday, April 1, 2013

A financial checklist for the most difficult of times.The passing of a loved one irrevocably alters family life. After a death, there is so much to attend to that addressing financial matters related to a family member’s passing may...

 

Monday, April 1, 2013

What are FRNs, and why is the government moving to offer them? Floating rate notes are nothing new – Fannie Mae and Freddie Mac have issued them for years, along with foreign banks and some corporations. What is new is the U.S....

 

Monday, April 1, 2013

5 common errors to avoid + 2 big factors to consider.Most families that start 529 college savings plans have done their “homework” about these programs. Missteps are made, though, often with the distribution of 529 plan assets. Here...

 

Monday, March 25, 2013

Things to check and double-check before you leave this world. Estate planning is a task that people tend to put off, as any discussion of “the end” tends to be off-putting. However, those who leave this world without their financial...

 

Monday, March 18, 2013

Are we seeing the early signs of a dollar bull run? What happened to the weak buck? In recent years, stock market gains have been associated with a weak dollar (among other factors). This latest rally on Wall Street seems to be an...

 

Wednesday, March 13, 2013

Does it signal anything more than bullish sentiment? Next stop, 15,000? As the Dow Jones Industrial Average settled at a new all-time high of 14,253.77 on March 5, the psychological lift on Wall Street was undeniable – the market was...

 

Wednesday, March 13, 2013

You don’t need to be wealthy to make an impact and get a win-win. You have to make a multimillion-dollar gift to a charity to receive immediate or future financial benefits? No. If you’re not yet a millionaire or simply a “millionaire...

 

Thursday, March 7, 2013

After you leave work, what will your life look like? How do you picture your future? If you are like many baby boomers, your view of retirement is likely pragmatic compared to that of your parents. That doesn’t mean you have to have a...

 

Thursday, March 7, 2013

Why do so many people choose them over traditional IRAs? The IRA that changed the whole retirement savings perspective. Since the Roth IRA was introduced in 1998, its popularity has soared. It has become a fixture in many retirement...

 

Tuesday, February 26, 2013

If you get Social Security payments by mail, what are your options? In March, Social Security will stop mailing checks to all but a small percentage of retirees. About 5 million seniors still get their benefits in the form of a check...

 

Tuesday, February 26, 2013

Benefits increase for 2013. Ideas for reform are numerous. Social Security benefits have increased 1.7% this year. This doesn’t come close to the 3.6% boost retirees got for 2012, but it does mark the second straight annual...

 

Tuesday, February 19, 2013

Should You Make a Child Your IRA Beneficiary?If you do, there are some "minor concerns" to keep in mind. Should you make a minor child the primary beneficiary of your IRA? Are there any caveats to that choice? IRA owners frequently...

 

Tuesday, February 19, 2013

Putting Your Tax Refund to WorkWhere could that money go besides a bank account? Should your refund be saved? According to a TD Ameritrade poll, 47% of U.S. taxpayers expect a refund this year. What do they plan to do with the money?1...

 

Tuesday, February 19, 2013

ATRA’s Retirement & Estate Planning ImpactWhat changes did the fiscal cliff deal put into play starting in 2013?The American Taxpayer Relief Act of 2012 brought major changes to federal tax law, and it profoundly impacted retirement...

 

Tuesday, February 12, 2013

The The Annual Financial Check-UpDon’t ignore it. Here’s why.Here’s the scenario … you get a card in the mail, one of those little reminders that tells you it’s time for your annual financial checkup. Your reaction: I’ll take care of...

 

Monday, February 11, 2013

Common Deductions Taxpayers OverlookMake sure you give them a look as you prepare your 1040. Every year, taxpayers leave money on the table. They don’t mean to, but as a result of oversight, they miss some great chances for federal...

 

Monday, February 11, 2013

Who Needs Estate Planning?Why estate planning is so important, and not just for the rich. You have an estate. It doesn’t matter how limited (or unlimited) your means may be, and it doesn’t matter if you own a mansion or a motor home....

 

Monday, February 4, 2013

IF INTEREST RATES RISE, WHAT HAPPENS TO BONDS? Investors in longer-term Treasuries could see some rocky road ahead. How long can it last? The Federal Reserve has said that it will do what it can to keep interest rates low, but these...

 

Monday, February 4, 2013

Ways Ways to Save for CollegeComparing & contrasting the potential of some popular vehicles. How expensive will college be tomorrow? The Department of Education projects that by 2030, the tuition cost of obtaining a four-year degree at...

 

Monday, January 28, 2013

IS NOW THE TIME TO REFINANCE? Interest rates on 30-year fixed mortgages are still notably low. Mortgage rates are still low. The earliest numbers from 2013 have remained lower than they were this time last year, leading a number of...

 

Monday, January 28, 2013

IRA ROLLOVERS FOR LUMP SUM PENSION PAYOUTS Give those dollars the opportunity for further tax-deferred growth. A big payout leads to a big question. If you are taking a lump sum pension payout from your former employer, what is the...

 

Monday, January 28, 2013

BUILDING AN EMERGENCY FUND Creating a financial cushion for stressful times.How would you respond to sudden financial demands? We all define “emergencies” differently, but we are not immune to them. How can we plan to stay afloat...

 

Tuesday, January 22, 2013

THE DEBT CEILING DILEMMA Tension eases for the moment, but contention remains. Global investors watch America anxiously. In late December, the U.S. technically reached its debt ceiling of approximately $16.4 trillion, with the federal...

 

Tuesday, January 22, 2013

A CAREGIVER’S FINANCIAL RESPONSIBILITIES Key questions for you & your family to consider. A labor of love may come to involve money issues. Providing eldercare to a parent, grandparent or relative is one of the noblest things you can...

 

Thursday, January 10, 2013

WHY IT IS WISE TO DIVERSIFY A varied portfolio is a hallmark of a savvy investor. You may be amused by the efforts of some of your friends and neighbors as they try to “chase the return” in the stock market. We all seem to know a day...

 

Wednesday, January 2, 2013

Is your insurance coverage adequate? Are your cash value policies properly performing? If you have older cash value policies, persistently low interest rates may create unforeseen problems such as large unexpected premium increases.

 

Thursday, November 29, 2012

OTHER WAYS TO SAVE FOR RETIREMENT Direct & indirect opportunities than don’t get enough ink. Presented by Rick Norkin Besides periodic IRA contributions and elective salary deferrals into 401(k) and 403(b) plans, there are other ways...