If you have a sustainable income need and it isn’t immediate, one or more nonqualified deferred income annuities can provide a unique tax-favored solution. Continue Reading
There are six deficiencies of 401(k) plans compared to defined benefit pension plans that transfer the retirement accumulation and retirement income planning responsibilities from employers to employees. Continue Reading
Now that the 2016 income tax filing season is behind us, we can focus on 2017 tax planning. Although the stock market is down about 3% from record highs, there are a lot of investors with significant unrealized capital gains in nonretirement investment accounts. The dilemma for these individuals is how to sell their appreciated… Continue Reading
Fixed income annuities can be purchased in retirement plans to provide sustainable lifetime income that can better meet one’s retirement needs than unpredictable and fluctuating required minimum distributions, or RMDs. Continue Reading
As my clients and those of you who have read my MarketWatch RetireMentors articles and Retirement Visions blog posts know, I’m a huge fan of Roth IRA conversions. One caveat: they must be timely. There are two types of timely Roth IRA conversions: Strategic Market-sensitive Strategic Roth IRA Conversion The goal of a strategic Roth… Continue Reading
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