Search
-
Social Security Reset May Go Away
(General/Articles)
... can increase benefits approximately 6% for every year between 62 and 66, and 8% per year between age 66 and 70. In a market where returns have been negative and cash is paying next to nothing, this is ...
-
There Ain't No Cure, But Is There An Upside To The Summertime Blues?
(General/Articles)
... of the price spectrum. Sales of distressed properties, foreclosures and short sales, as a percentage of overall closed sales, are 20% fewer than at this time last year. For homebuyers and “buy and hold” ...
-
A Tax To Prepare For
(General/Articles)
Under the new health care legislation that was signed into law this spring, 2013 becomes an important year for many people. Starting in 2013, there will be a new 3.8% Medicare tax on unearned income (IRC ...
-
What is Your Long-Term Care Plan?
(General/Articles)
Fidelity Investments publishes an annual study, the Retiree Health Care Costs Estimate, which found a 65-year-old couple retiring in 2010 will need $250,000 to cover health care expenses, not including ...
-
Increase Your Social Security Income
(General/Articles)
... worked with a couple where we determined that the husband was going to wait until age 70 to take Social Security since between age 66 and 70, his benefits will increase approximately 8% for each year he ...
-
Dog Bites
(General/Articles)
... high in the United States. Unfortunately, along with this significant growth in dog ownership comes a huge downside; dog bites causing serious injury or death are growing at a rate of 11% per year! ...
-
Estate Tax Trouble in 2010
(General/Articles)
... between spouses to maximize the utilization of the 2010 cost basis step-up Determine if documents maximize current year planning opportunities but retain the flexibility to account for retroactive estate ...
-
Good Financial Plans Need Slush Funds
(General/Articles)
... not doing well, people spend less. This is not profound but it does have profound consequences. In the last two years I have heard many say they wanted to take advantage of an opportunity but just did ...
-
Retirement Is About Living Longer
(General/Articles)
... different than that, assuming that life is to be lived today - all of us value those days where we are truly present and working "on" something. The last two years malaise in the economy has created more ...
-
Take Control of College Costs
(General/Articles)
... year college education. According to the College Board, the average annual comprehensive cost at a four year public college rose 5.9% last year to $15,213. A private four year college education now ...
-
Identity Theft 101
(General/Articles)
... spread out your review over the entire year and will catch things more readily. Check your homeowner's policy - The reality of identity theft these days is that most losses will be covered by credit ...
-
Will You Still Get Goose Bumps When CDs Are Gone?
(General/Articles)
... that is the most critical to gaining rich life like sound from a digital format. Four or five years ago a D to A converter was considered an eccentric piece of electronics and was priced out of most music ...
-
What's Ahead?...Spring and Echo Boomers
(General/Articles)
By most measures, 2009 was a year of healing and balancing for the local real estate market, posting the most sales since 2005. Transactions in November were 34% higher than the previous year, almost ...
-
Estate Planning Mistakes
(General/Articles)
... children if something unfortunate happens. It got me thinking about all the estate planning mistakes I have seen this year. First, the most prevalent mistake I see (outside of not having a will/trust), ...
-
Heads I Win, Tails You Lose
(General/Articles)
It has not often been the case over the last decade where the game of investing has been stacked in the individual's favor; but this is a new year, a new decade, and 2010 Roth IRA conversion rules are ...
-
When Spending is Really Saving
(General/Articles)
... I recommend that someone needs to recoup their closing costs in three, and at most, four years with the new savings. If you stay in your home for longer than that, refinancing pays off. Other examples ...
-
Important Disclaimer
(General/main)
... of laws rules. No action, regardless of form, arising out of this Agreement, may be brought by either party more than one (1) year after the cause of action has arisen. 19.4 Relationship of the Parties. ...
-
Our Process
(General/About)
... all action items are implemented, usually within the two years. After that, fine-tuning the client’s investment life will be a constant. ...
-
Multiple Retirement Options
(General/Articles)
... later in life. By delaying social security from 62 to 65/66, benefits will increase slightly over 20% (approximately five to six percent per year). For every year after that through age 70, benefits increase ...
-
Fees
(General/About)
... higher for more complex cases. annual retainers for financial planning may be negotiated, depending on clients' needs and circumstances. investment advisory fees are as follows: - 1% per year ...