Archive for April 2018

Four Big Life Insurance Questions to Ask BEFORE You Retire

Life insurance is one of the most valuable and versatile assets a pre-retiree or retiree can have. Yet not only do people tend to question whether buying life insurance is a worthwhile expenditure, they’re also intimidated when it comes to purchasing it. Yesterday’s show helps listeners understand why they should consider life insurance, how life…

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To Roth or Not to Roth?…That is the Question

The wealthiest investors I have worked with have larger Roths or larger post-taxed accounts than they have in qualified, tax deferred accounts.  The “Tax Time Bomb” is something you hear me talk a lot about at my seminars and on the radio.  We are trained to put as much money as we can away as…

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Investment Themes for This Year

In the investment community, all eyes are on inflation this year. Economic analysts at Merrill Lynch anticipate further tightening in the labor market, to the tune of 3.9 percent unemployment by the end of 2018. Along with the tightened labor situation, they also expect personal consumption expenditure (PCE) inflation rising to 1.8 percent by year…

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In Retirement…It’s Not Always About Rate of Return

In retirement….rate of return actually ends up being the SECOND most important thing that you need to worry about. What is the FIRST? Find out by watching the video below in this weeks “Dollars & Sense” segment. I will explain how investing during your working years can be drastically different than investing during retirement.

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The Tax Management Triangle

Don’t you wish that you had a crystal ball to know that the tax rates will be 20 years from now? In 1970, the top tax marginal tax rate was at 70%. In 1980, the top marginal tax rate was still at 70%. In 1990, the top marginal tax rate hit a historical low of…

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The New Tax Law: Things to Consider

Who will be affected by the new tax legislation that went into effect Jan. 1? That is a question many are asking. While “everyone” is likely to see some changes, here’s an idea of how many people fell into each income group. In 2015:1 About 1.4 million Americans accounted for the top 1% of income…

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4 Diversification Steps For Your Retirement Money

Most people are familiar with the concept of diversification as it applies to their assets — spreading money across stocks, bonds, cash, etc., so all your eggs aren’t in one basket. What many don’t know is that with retirement looming on the horizon, they need to consider several different levels of diversification to give their…

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