Greetings! I hope this finds you well and enjoying life. Different types of investments are subject to different types of risk. On days when you notice that stock prices have fallen, for example, it would not be unusual to see a rally in the bond market. Asset allocation refers to… ...

Greetings! I trust that this will find you well and enjoying life. I hope that your new year is off to a good start. We certainly have had quite an eye popping start to the new year in the stock market with the Dow Industrials down – 6.24% and the… ...

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Greetings! I trust that this finds you well and in good spirits. All year week after week we look at business related topics and issues that pertain to retirement. I want to change the theme to a more personal one and close the year out with some thoughts for you… ...

Greetings! I trust that you are well and enjoying life. Over the past few weeks I have been speaking to year end tax planning and relating tax planning and to the benefits of Roth IRA’s.  I want to share an additional benefit of owning a Roth in retirement that applies… ...

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Greetings!  I trust that this will find you well and enjoying life. Often in this newsletter we look at ways to reduced taxes. Today I want to talk about actually paying more tax intentionally because of a Roth IRA conversion. When you convert your traditional IRA to a Roth, you… ...

Greetings I trust that this will find you well and enjoying life. Tax planning in retirement is as important as portfolio or income planning. Tax planning should be done year round, but we want to pay particular attention as we approach year end to make sure we don’t miss an… ...

Greetings! I trust that this finds you well and enjoying life.    Last week I wrote about year–end tax planning and yes we still have some work to do on that topic. I started to write on it because there is a lot to share. Then it occurred to me that it’s Thanksgiving and how utterly ridiculous… ...

Greetings! I trust that this will find you well and enjoying life. It’s not too early to begin to consider year-end tax planning. I think it’s a good idea to have a list of situations and circumstances that can have an effect on your tax filing for next year. A… ...

Greetings! I trust that this will find you well and enjoying life. Many of you became a client through the educational course on retirement planning I taught for the University of New Orleans or through one of the many workshops I’ve taught on a retirement related matter like social security… ...

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Greetings! I hope that this finds you well and in good spirits! There is an enormous amount of research that points to the fact that we all have a chance to live longer in retirement than we anticipated. I saw a statistic recently that reported that all known medical information… ...

Greetings! I trust that you’re well and enjoying life! The advantages of tax deferral are often emphasized when it comes to saving for retirement. So it might seem like a good idea to hold off on taking taxable distributions from retirement plans for as long as possible. (Note: Required minimum… ...

Greetings I trust that you’re well and enjoying life! As you grow older, housing issues become an integral part of your retirement plans. You may be living on a fixed income and want to get additional cash by borrowing against the equity in your home. You may feel isolated in… ...

Greetings. I trust that you’re well and enjoying life! Last week I wrote about proposed increases in Medicare premium rates for 2016 being made by the Trustees for Social Security and Medicare. Based on your income you may receive an increase and you may not (see last week’s article for… ...

Greetings! I trust that this finds you well and enjoying life. The weathers’ fantastic isn’t it. I want to encourage you to get outside and enjoy it. I want to touch on health care cost in retirement. Not a highly appealing topic but a highly necessary one to consider. I’ve… ...

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Greetings! I trust that this will find you well and enjoying life. As life expectancies increase, longevity risk–the risk of outliving retirement savings–is a concern for a growing number of people. In response, recent federal regulations created qualified longevity annuity contracts (QLACs), which are accessible through employer-sponsored plans, such as… ...

Greetings! I trust that this finds you well and enjoying life. Last week I wrote about stock dividends as an option for retirement income. This week let’s talk about the affect dividends have on market returns. Take the S&P index for example. How important are dividends in the S&P 500’s… ...