Tax Planning & Strategies

Retirement Investing & Roth Conversions

Retirement planning looks much different than it did a century ago. With lifespans and retirements lasting longer, it’s not just about planning for a financial future; we must also create a post-career strategy that takes into account emotional, intellectual and quality of life challenges during later years. After all, we don’t just stop enjoying life…

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What Higher Interest Rates Could Mean for You

Unemployment is at its lowest level in years.1 Many Americans are seeing a bump in their paychecks due to the new tax law, and the stock market is remaining resilient in the bullish market. What could go wrong? Inflation, for one, which is why the Federal Reserve has been raising interest rates. As part of its…

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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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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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Is Your Retirement Plan ROCK Solid?

When building just about anything, a strong foundation is key to making it last. This holds true when constructing a house, and when building a retirement portfolio — a financial house, if you will. But given the variety of financial vehicles available these days, how do you know what is right for your particular situation?…

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