Greetings! I trust that this finds you well and enjoying life. To live well in retirement, you have to embrace change and longevity planning. As you get older your circumstances will continue to change, sometimes rapidly. What doesn’t change is your desire to be independent, to have social connections that… ...

Greetings! I trust that this will find you well and enjoying life. Business owners and CEO’s have written business plans. Ship captains chart their courses on nautical maps and doctors have written treatment plans for their patients. What these and most successful people all have in common is that they have written… ...

Greetings! I hope that this finds you well and happy. Let’s all thank God for our liberty and the opportunities we have as Americans. I am thankful for you my friends and my clients. I hope that you have a wonderful Thanksgiving day. Jeff ...

Greetings! I hope that this finds you well and enjoying life. The stock market is on a historic tear and continues to break records. As investors we wonder is there no end in sight to these gains? Indicators are favorable with few headwinds at present. Corporate earnings are up and… ...

Greetings! I trust that this will find you well and enjoying life. During your working years, you’ve set aside funds in retirement accounts such as IRAs, 401(k)s, and other workplace savings plans, as well as in taxable accounts. Your challenge during retirement is to convert those savings into an ongoing… ...

Greetings! I trust that you are well and enjoying life. When it comes to planning for your retirement income, it’s easy to overlook some of the common factors that can affect how much you’ll have available to spend. If you don’t consider how your retirement income can be impacted by… ...

Greetings! I trust that you are well and enjoying life. Have you checked your retirement plan lately? It’s generally a good idea to review your employer-sponsored retirement savings plan at least once each year and when major life changes occur. If you haven’t given your plan a thorough review within… ...

Greetings! I trust that you are well and enjoying life. You’ve worked hard your whole life anticipating the day you could finally retire. Well, that day has arrived! But with it comes the realization that you’ll need to carefully manage your assets so that your retirement savings will last. Traditional… ...

Greetings! I trust that you are well and enjoying life. Last week I wrote to you about a value-added tax, the solution to the mess of an income tax system we experience in the U.S. I doubt Congress will pursue it, it makes too much sense. However, there are still… ...

Greetings! I trust that you are well and enjoying life. So much hope has been placed on the Trump administration and our leaders in Washington regarding stimulating the economy and improving the financial well-being of America! The biggest effect Trump can have by far on our financial future that could… ...

Greetings! I hope this finds you well and enjoying life. If you’re a decade or so away from retirement you’ve probably spent at least some time thinking about this major life change. How will you manage the transition? Will you travel, take up a new sport or hobby, or spend… ...

Greetings! I hope this finds you well and enjoying life. Last week I had two clients to ask about reverse mortgages and it happens more and more frequently. In the last five years or so banks have taken steps to make them more attractive. I located the following information and… ...

Greetings! I hope this finds you well and enjoying life. I’ve been getting a lot of questions about the Treasury Department’s recent regulations that create a new type of annuity in the tax law called “Qualifying Longevity Annuity Contracts” (QLACs). This isn’t really a new type of annuity. This is… ...

Greetings! I hope this finds you well and enjoying life. I get a lot of questions from clients about the future of Social Security. It’s wise to stay on top of what’s going on with it. Every year, the Trustees of the Social Security and Medicare Trust Funds release reports… ...

Greetings! I hope that this finds you well and enjoying life. When developing your estate plan, you can do well by doing good. Leaving money to charity rewards you in many ways. It gives you a sense of personal satisfaction, and it can save you money in estate taxes. I… ...

Greeting! I hope that this finds you well and enjoying life. You want to retire comfortably when the time comes. You also want to help your child go to college. So how do you juggle the two? The truth is, saving for your retirement and your child’s education at the… ...

Greeting! I hope that this finds you well and enjoying life. With the lure of tax-free distributions, Roth IRAs have become increasingly popular retirement savings vehicles. According to the 2016 Investment Company Fact Book, 20 million U.S. households (about 16.3%) owned Roth IRAs in 2015. There are three ways to… ...

July 10, 2017 Dear Client, Happy Summer! It has been an awfully good year in most of the capital markets so far. Just like a south Louisiana summer day with blue skies and bright sunshine, most stock markets have happily been rising and the economy has been chugging along. Bonds… ...

Greeting! I hope that this finds you well and enjoying life. A tax dollar not paid is a dollar in your pocket. Here are some tips that may assist you in trimming your tax bill in retirement. Give yourself options with the types of investment retirement accounts you own. Having… ...

Greetings! I trust that you are well and enjoying life. The term “stretch IRA” has become a popular way to refer to an IRA (either traditional or Roth) with provisions that make it easier to “stretch out” the time that funds can stay in your IRA after your death, even… ...