Retirement Watch Weekly
What You Need to Know About Annuity Income Riders
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). I’ve discussed these in past issues of Retirement Watch and in my Spotlight Series online seminars. This month, […]
How to Turn Investment Losses into Valuable Assets
Prices for stocks, bonds and many other investments are tumbling, and that means many investors have or soon will have losses in their accounts. Losses in taxable accounts can be minimized and turned into assets by knowing the tax rules and using the best strategies for your situation. In a taxable account, an investment loss […]
Critical Year-End Questions for IRA and 401(k) Owners
It is the last quarter of the year, so there are some critical questions about IRAs and 401(k)s that should be asked and answered. Plan key actions to take the rest of this year and early in 2023. Retirement plans are among the most valuable assets of most people, so it’s important to manage them […]
You Can Maximize the Tax Benefits of Estate Planning Gifts
Today’s high estate and gift tax exemptions could be slashed in a few years. Maximize those and other benefits now. The substantial increases in estate and gift taxes that were widely discussed in 2021 appear to be off the table, at least for now. But the current lifetime estate and gift tax exemption is scheduled […]
Bob’s Journal for 9/29/22
IMPORTANT ANNOUNCEMENT: We are having our first Eagle Virtual Trading Event on Thursday, Sept. 29. If you haven’t signed up for this yet, there’s still time. Just click here now to sign up for free. Believe me, you won’t want to miss this LIVE online event — as we bring together all five of Eagle’s investment experts at […]
How To Avoid a Residency Tax Audit
Here’s a long-term financial consequence of the pandemic no one talks about… An increase in disputes over which states can tax a person’s income. The pandemic made some state tax departments more aggressive as they became more concerned about losing tax revenue previously paid by remote workers and retirees who moved out of state. A […]
Bob’s Journal for 9/15/22
Some Notable Events That Grabbed My Attention This Week Those of you interested in learning more about the Family Bank strategy (see the July 2022 issue of Retirement Watch) should consider the new special report from David T. Phillips, “The Family Bank Strategy Revisited.” David’s making it available to my subscribers at half the retail […]
Smart Ways To Leave a Legacy in your Estate Plan
Legacy planning is one of the most neglected parts of financial and estate planning. That’s too bad, because good choices about leaving a legacy can have powerful effects. Too often, estate planners and individuals focus only on the tax effects of potential giving strategies. But focusing more on non-tax effects and making shrewd choices can […]
