Blog Posts

  • affordable-care-act

    MNsure and Your Retirement

    September 10, 2013
    Health care is going to make retirement planning more complicated (or easy, depending on how you view it), especially for those who retire before age 65. At 65, you can sign up for Medicare, but if you retire before then, the old problem of figuring out how to get health ...
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  • medicare-donut-hole

    Medicare Part D: It’s Not Your Father’s Drug Coverage

    September 6, 2013
    When people think of Medicare, they probably think of Part A (hospitalization) or Part B (doctor’s visits), which they sign up for when they turn 65. The next thought might even be getting a Medicare supplement to handle the coverage gaps in Part A and Part B. But don’t stop ...
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  • boomer-and-millennial

    Teach Your 22-Year-Old How to Save for Retirement

    September 3, 2013
    Why are children the hungriest at 4:00 in the afternoon? Is it because dinner is at 5:00? Growing up, I remember one of the basic lessons was not to eat anything in that hour before dinner. Mom was usually preparing a big meal and she wanted her five children to ...
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  • long-term-care

    Using an Annuity to Pay for Long-Term-Care Insurance

    August 26, 2013
    I am starting to encounter people who have variable annuities, held outside of IRAs, which have gains in them. (A variable annuity uses subaccounts that are similar to mutual funds for the internal investments.) In the aftermath of 2008/2009, many investments took a long time to recover and variable annuities ...
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  • to-do-list

    Should Business Owners Try to Pay Taxes?

    August 21, 2013
    Retirement planning for a business owner is different than it is for other people. Stephen Covey, in The 7 Habits of Highly Effective People, shares habit two: Begin with the end in mind. For all of us, this means envisioning where you want to be in the future so that ...
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  • elephant

    Retirement Is a Control Freak’s Worst Nightmare

    August 6, 2013
    Are you a control freak? Come on, admit it. Control of our situation is something we all crave. At some basic level we want to affect our outcomes and say we had a hand in it. The problem, of course, is that many scenarios are too big to control. Retirement ...
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  • formula

    Jerry Seinfeld and the Amazingly Simple Formula

    August 5, 2013
    Have you ever watched "Comedians in Cars Getting Coffee"? It is a new web video series that follows a standard format. Jerry Seinfeld introduces an old but classic car, drives the car over to a famous comedian’s home to pick them up and then drives to a coffee shop for ...
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