by Christopher | Apr 23, 2021 | Uncategorized
From Retirement Now Newsletter March 25th 2021Tax Efficiency in Retirement A good article at the Journal of Financial Planning recently compared different strategies to help reduce taxes on IRA accounts in retirement when withdrawing funds to supplement Social...
by Christopher | Apr 23, 2021 | Uncategorized
From Retirement Now Newsletter March 18th 2021 As of writing this it looks like the new stimulus plan in D.C., also known as the American Rescue Plan, has been passed. Lots of stuff in this package. So I want to focus on a handful of big things that are pertinent to...
by Christopher | Apr 23, 2021 | Uncategorized
From Retirement Now Newsletter March 11th 2021 Are retirees under-spending in retirement? Today I wanted to discuss an interesting article about how real-life retirees actually spend their money in retirement and why this is so important to not only retirees, but...
by Christopher | Nov 20, 2020 | Uncategorized
Way back in the good old days (prior to 2018) you could undo a Roth conversion. But not anymore. Here’s why that may be very important to your retirement. What is a Roth Conversion? A Roth conversion is when you take a portion of an IRA (or SEP, 401k, etc) and convert...
by Christopher | Nov 16, 2020 | Uncategorized
I saw an interesting situation related to Medicare the other day that reminded me that it’s always good to check and double check to make sure things are running as they are supposed to be. It involved a person on Disability Medicare, but the lesson applies to us all....
by Christopher | Sep 24, 2020 | Uncategorized
A lot of people aren’t familiar with IRMAA and how it can impact their Medicare premiums. But she’s real, and if your 63 (2 years before general Medicare eligibility) or older you need to know about her. What is IRMAA? IRMAA stands for income-related monthly...
by Christopher | Sep 18, 2020 | Uncategorized
One of the biggest challenges that a married couple with a large age difference will face is how to build a retirement that is designed to make sure both spouses are taken care of for the rest of their life. This is especially important for the younger spouse because,...
by Christopher | Sep 4, 2020 | Uncategorized
Spousal inherited IRA’s have flexible benefits for the surviving spouse – if they understand the rules of the game. Under most circumstances a married person will put their spouse as the primary beneficiary on their IRA accounts. The IRS has different...
by Christopher | Aug 27, 2020 | Uncategorized
Roth IRA’s offer tax-free distributions, IF you follow the rules of the game Roth IRA’s can be fantastic tools for retirement planning, offering the possibility of tax-free growth on funds sheltered under them. It’s not just tax-deferred growth. It’s actual tax-free...
