Greetings! I trust that this will find you well and enjoying life. Starting in 2015, new rules will permit only one rollover per year from one traditional IRA to another traditional IRA. The new provision is designed to discourage IRA owners from taking temporary tax-free loans from their IRAs via multiple rollovers… ...

Greetings! I trust that this will find you well and enjoying life. I took a few days off to rest and renew. My Chesapeake Bay retriever Sheba and I were able to enjoy some excellent dove shooting in Mississippi over the labor day weekend. I hope that the attached weekly economic… ...

Greetings I trust that this will find you well and enjoying life! You all know the emphasis I place on financial education and the value of knowledge. I believe that the more you know about the economy and personal finances, the better and easier it is for you to make sound financial… ...

Greetings! I hope this finds you well and in good spirits. Please find the following information on maximizing Medicare. We need to all be prepared to manage this government program to our maximum advantage. After all, you pay for it. One of every three U.S. residents is insured by Medicare… ...

Greetings! I hope this finds you well and in good spirits. I have had a number of clients to downsize their homes recently. I suspect that this trend will continue. The following information will be useful if you plan to downsize or relocate. A recent report found that the residential… ...

Greetings! I hope this finds you well and in good spirits. I saw this article recently on discovering travel cost and thought you might find value in it. We are now fully into the summer travel season. About 41 percent of the U.S. population — approximately 72 million Americans — plan… ...

Greetings! I trust that this will find you well and enjoying life. Whether you’re already retired or knocking on the door, one way to potentially maximize your savings, investments and income is to minimize your tax liability. Tax-deferred vehicles are more tax efficient since money can grow without the annual burden of… ...

A common strategy to save for retirement is to allocate funds to a tax-deferred retirement account, such as a traditional IRA, employer-sponsored 401(k) or 4013(b) plan. However, one drawback to saving via these plans is that when you take distributions in retirement, they are taxed at your ordinary income tax rate. This strategy… ...

Greetings! I trust that this will find you well and enjoying life. Please find attached this weeks’ economic and market update. I hope that you will find it useful. I send a weekly update as well as an over view of the month because I believe that the more information… ...

MONTHLY ECONOMIC UPDATE     MONTHLY QUOTE “Variety is the soul of pleasure.” – Aphra Behn      MONTHLY TIP   A finer retirement strategy pays attention to tax implications. Many pre-retirees embark on retirement transitions without studying them.      MONTHLY RIDDLE   An ancient invention (still used the world over)… ...

Greetings! I trust that this will find you well and in good health. Merrill Lynch recently published its study, “The New Retirement Workscape,” on new trends retirees have embraced toward working. One of the more interesting trends is that new retirees are taking the first few years of retirement off and then… ...

Greetings! I trust that this finds you well and enjoying life. If you had to cut back your spending, where would you do it? This question has a way of reflecting our values as much as it does our practicality. One recent study found that when workers started feeling even a little… ...

Greetings! I trust that this finds you well and enjoying life. Isn’t it great to live in an era that experiences such radical advancements in medical science. Because of these advancements, it’s likely that physicians will prescribe more and more prescriptions as we grow older and this form of healthcare… ...

Greetings! I trust that this finds you well and enjoying life. You may have heard the saying, “Life is what happens to you while you’re busy making plans.” That’s a line from a John Lennon song entitled, Beautiful Boy. It’s also a keen observation of what could happen if you focus too… ...

Greetings! I trust that this finds you well and enjoying life. If it wasn’t for America’s military might and superiority the world we live in would be very different. America owes a huge debt of gratitude for the men and women who fight for our country and for those who… ...

Greetings! I hope that this will find you well and enjoying life. You may think that because you’ve written a will, your estate plan is all set. What you may not realize is that instructions in a will do not supersede the beneficiary instructions on your retirement account, annuity, insurance… ...

Greetings! I hope that this will find you well and enjoying life. As we get older, our financial objectives change. For example, as young up-and comers, we tend to focus on saving and investing for retirement. But the closer we get to retirement, the more we need to consider how… ...

Greetings! I trust that this will find you well and enjoying life. Social media is a powerful force in our society today. Lately I’ve seen a lot of articles and studies on how much value it actually provides in our lives. The juries not in on it yet and only time… ...

Greetings! I trust that this will find you well and enjoying life. As a retirement planner I am seeing more and more clients downsize their homes and have a number of them considering moving to retirement communities. Now that the home buyer market is beginning to progress, more late stage baby boomers… ...

Greetings! I trust that this will find you well and enjoying life. Your mail is protected by 18 U.S. Code § 1708, but that won’t stop mail theft, which may occur after you’ve already read through your mail and thrown it away. The trash cans you place at the curb for… ...