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A Tax To Prepare For
(General/Articles)
... forward since starting in 2013, you might want to put higher turnover investments inside retirement plans and keep more of your index funds and municipal bonds in your taxable portfolio; those who can ...
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What is Your Long-Term Care Plan?
(General/Articles)
... care costs are becoming a large piece of the retirement planning puzzle. The common misconception by many is that Medicare will cover nursing home or in-home care costs when in reality, it will only ...
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Increase Your Social Security Income
(General/Articles)
... when my answer is to look towards Social Security they tend to be surprised. Social Security can still provide a firm leg to your retirement stool; the following strategy is but one example. I recently ...
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Good Financial Plans Need Slush Funds
(General/Articles)
... to enjoy life in the present without worrying about how that spending affected her retirement. I have noticed that when markets are doing well, people are willing to spend more. And when markets are ...
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Retirement Is About Living Longer
(General/Articles)
I am always struck by the number of people (my friends included) who talk about retirement as some "end of life" event that they are just waiting for. People with longevity will tell you they think very ...
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Employee Satisfaction - Your Cornerstone of Productivity
(General/Articles)
... reflect the stage they are at in their career- Gen Y increasingly seeks flexibility while mature employees seek ways to assist saving for retirement. Pick up "1001 Ways to Reward Employees" by Bob Nelson ...
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What's Ahead?...Spring and Echo Boomers
(General/Articles)
... contemplates retirement housing, the seasons of Life and the market cycle on. Jim Tice is General Manager of CENTURY 21 Luger Realty in Edina. He has been a real estate consultant for 33 years- jtice@century21luger.com ...
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Estate Planning Mistakes
(General/Articles)
... is having the wrong beneficiaries on retirement accounts (IRA, 401(k), 403(b)). I often find ex-spouses, old friends, siblings, or parents that have passed away. Maybe these beneficiaries were appropriate ...
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Is Buy-and-Hold Dead in 2010?
(General/Articles)
... bonds while longer-term needs can be in equities. Thus, as you spend money in retirement, you will need to sell some equities and replenish cash and bonds. This is rebalancing in its simplest form. ...
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Heads I Win, Tails You Lose
(General/Articles)
... not currently have a Traditional IRA due to maximum income limit rules, you may contribute to a Non-deductible IRA that can be converted to a Roth IRA. Or, if your retirement assets are 'trapped' inside ...
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Multiple Retirement Options
(General/Articles)
... establish a portfolio that can withstand that. There have always been multiple options that aid in a comfortable retirement. This new economy has brought back old retirement options. One option ...
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Financial Planning
(General/Services)
... recommendations. Our customized approach will address any or all of the following issues: net worth calculation cash flow analysis risk management retirement planning income tax planning ...
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Keeping The Family Cabin In The Family
(General/Articles)
... it does not make sense to set aside a lifetime's savings just to fund cabin expenses, especially since that inheritance might be needed to help with college and even retirement expenses. I typically recommend ...
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The Family Fallout From This Economy
(General/Articles)
... money for retirement. This might be the only way some in the next generation will have enough to retire. I wonder if an entire generation will look back at this economic downturn as a point where we ...
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Buyer Beware
(General/Articles)
... the stock market can move sideways. The message seems to be, do not count on the market for your retirement. Dan Richards, a faculty member in the MBA program at the University of Toronto, points out ...
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2009 Market Takeaways
(General/Articles)
... to do the same. And at the least, focus on being debt-free by retirement - there is no better feeling than owning your home (and on that path, today is a great day to look at refinancing your mortgage ...
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Your Children Will Thank You
(General/Articles)
For clients that have met with me lately they know we have been asking about how beneficiaries are set up on retirement plans (401(k), 403(b), IRA, 457). We have seen mistakes that include everything ...
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And Now, In With The New (Tax Laws)
(General/Articles)
... retirement accounts are suspended. This means everyone who is over age 70 ½ (or the beneficiary of an IRA) and is taking mandatory withdrawals from their IRA, 401(k), 403(b) or 457 plan does not need ...
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Patterns, Patterns Everywhere
(General/Articles)
Gains are for retirement. Losses are immediate. In other words, we as human beings feel pain twice as much as pleasure. At this time of year I might even draw on Jimmy Stewart in “It’s a Wonderful Life.” ...
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Control What You Can in This Market
(General/Articles)
... money out of retirement plans in your current tax bracket, without moving you into a higher bracket. Sometimes paying taxes now at a lower bracket makes more sense than waiting until 70 ½ and taking RMDs ...