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Blog Posts

  • Timing Taxes Key to Successful Retirement Distributions

    September 19, 2011
    By Jon T. Meyer, CFP® When someone comes to me within a few years of retirement, it is often too late to optimize their after-tax income. One of the strategies I wish I could use with everyone I meet is timing taxes. By that I mean pinpointing someone’s exact tax bracket ...
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  • Estimating Retirement Income―The Big Three

    September 12, 2011
    By Jon T. Meyer, CFP® Estimating retirement income is not a science. Much has been written about needing 70–80% of your working-life income in retirement. I would disagree, as I tend to see that people spend 100% or even more in retirement, particularly in the first five years when filling eight ...
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  • Proactive Is the Best Adjective in Market Corrections

    August 30, 2011
    By Jon T. Meyer, CFP® As a parent, I am keenly aware that what I say and how I act around my children will be picked up and used in the future. So imagine my surprise this past weekend when we were at a friend’s house and they shared that last ...
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  • How Inflation Attacks Your Retirement Spending

    August 1, 2011
    By Jon T. Meyer, CFP® One assumption we employ in our planning work and which clients regularly question is the 3.5% inflation rate we use. This number does not track any short-term measurement and it differs from the multitude of ways one could measure inflation. We simply use this as ...
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  • Rumors of Social Security’s Demise Have Been Greatly Exaggerated

    August 1, 2011
    By James Clemensen, CFP® During Social Security’s 75th year, there has been news that for the first time in nearly 30 years the Social Security Trust Fund will pay out more benefits than it received in payroll tax revenues. So it’s no surprise that a recent AARP survey found that ...
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  • The King of Pop and the King of Rock and Roll Had a Lot in Common

    July 1, 2011
    By Jon T. Meyer, CFP® June marked the second anniversary of Michael Jackson’s death. August will mark the 34th anniversary of Elvis Presley’s death. Both men changed a generation’s music. Yet both men made the same mistake―they both made their estates go through probate. Just Google either name with the word ...
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  • Guns, Rugs, Art and Gold―A Taxing Affair

    July 1, 2011
    By Jon T. Meyer, CFP® Have you noticed how the commercials on late-night television have changed? Two years ago, commercials wanted to buy your gold. Today, it is about how they want to sell you gold. It makes sense. They bought your gold at a lower price and now they want ...
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