Blog Posts

  • retirement-age-couple

    A Hedge Against Bad Health: Social Security’s File and Suspend Strategy

    July 2, 2014
    Key Takeaway! Social Security gives us the chance to rethink decisions should our health change prior to age 70. Expect the best, but prepare for the worst. It sounds easy, but implementing this axiom requires deliberate action that may seem counterintuitive. Social Security is one of the few areas where you ...
    Read more
  • milk-carton

    Retirement’s “Best If Enjoyed By” Date

    June 25, 2014
    Key Takeaway! Think of retirement as having a “best if enjoyed by” date. With that in mind, adjust your spending to allow for more fun earlier on, while you are the most active and healthy. A client reminded me today that we often focus on scarcity instead of abundance. We were ...
    Read more
  • supreme-court

    Supreme Court Changes the Rules on Inherited IRAs

    June 18, 2014
    Key Takeaway! Inherited IRAs will no longer be subject to bankruptcy protection. If you plan on leaving your IRA to your heirs, it may be time to rethink that plan. Every once in a while the Supreme Court issues an opinion that has a very practical outcome for each of us. ...
    Read more
  • family-trustee

    The DIY Mistakes of Trustees

    June 13, 2014
    Key Takeaway! Going the DIY route in naming a trustee in your estate plan could cost your heirs more money and more heartache. If you ever watch home remodeling shows, you soon might be lulled into thinking you too could redo your kitchen or bathroom (or entire house) by yourself. It ...
    Read more
  • giving

    Charity Helps Your Retirement

    June 3, 2014
    Key Takeaway! Separate your taxes from your charitable giving by using donor-advised funds in high-tax, pre-retirement years and then giving the money away in lower-tax, post-retirement years. Many people tend to think about charitable giving on a monthly or annual basis. We give cash every month, and often a lump sum ...
    Read more
  • parent-and-child

    How to Really Help Your Children

    May 19, 2014
    Key Takeaway! Letting your children achieve at their own pace will make them more successful and put less of your retirement at risk. If you could give your children one thing by the age of 30, what would it be? I am not suggesting material things, but rather what you can ...
    Read more
  • garage-sale

    De-Clutter Your Life and Your Portfolio with an Annual Garage Sale

    May 9, 2014
    Key Takeaway! De-clutter your possessions and portfolio in anticipation of a fulfilling retirement. The weekend after Mother’s Day is the annual garage sale in my neighborhood. I love this time of year because I love to de-clutter my life. Garage sales always remind me that I don’t need things to be ...
    Read more