Retirement Watch Weekly
How Higher Interest Rates Change Estate Planning Strategies
The benefits of different estate planning strategies change with interest rates. The advantages of different strategies changed significantly over the last couple of years as interest rates jumped higher. When interest rates rise, the pay- offs of some strategies increase while others lose some of their appeal. After a significant change in yields, reconsider strategies […]
A Little Extra Planning Can Avoid ‘Heir Wars’
The legacy of late California Senator Dianne Feinstein was tarnished by a series of law- suits filed before her death. The suits revealed rifts in the family and shortcomings in the estate plans of Feinstein and her late husband. Feinstein’s late husband Richard Blum, a wealthy investor, passed away in February 2022. Both Blum and […]
Bob’s Journal for 10/26
6 IRA Actions to Consider Before Dec. 31 It is time to assess key IRA actions and be sure to take the ones that are appropriate for you before the end of the year. Actions must be completed before Dec. 31 to reap their benefits. If you wait until December to act and the individual […]
Lifetime Income through Annuities: Everything a Retiree Should Know
There are two ways to generate guaranteed lifetime income through annuities, and it’s important to understand their differences. The standard, simple way is to buy a single premium immediate annuity (SPIA) or a deferred income annuity (DIA). An income rider simply is a feature that you add to the annuity contract. Remember that in a […]
Bob’s Journal for 10/19
How to Earn Top Long-Term Returns The best way to earn higher returns than most investors over the long term is to avoid investment losses. It is a good idea to read the periodic client memos from Howard Marks of Oaktree Capital. You come across classic insights such as that one accompanied by detailed explanations […]
Seven Myths, Mistakes and Misperceptions That Derail Retirement Security
In my new Retirement Watch Spotlight Series, I’ll share my newest breakthrough strategies for protecting your assets and growing your portfolio, including how to prepare for the next market downturn. Click here now to learn more. […]
Bob’s Journal for 10/12
Courts Are Overruling Regulators’ War Against Digital Currency Investments The Securities and Exchange Commission (SEC) has been trying to limit investor access to digital currencies in recent years, but the courts are invalidating those actions. Proposals to offer exchange-traded funds (ETFs) that invest directly in digital currencies, also known as cryptocurrencies, have been submitted to […]
What You Can and Can’t Do with RMDs
What you don’t know about retirement can hurt you. In fact, just a few wrong decisions in your investments, taxes, or estate planning could completely derail your retirement plans. Worse yet, the rules of the game keep changing, making it harder to keep up. For these reasons, I’ve assembled all the key points – everything you need to know — into one comprehensive report. Click here today for free access. […]
