Commentary Topic: Most Popular

Retirement Plan Rollover Considerations

At retirement, you may need to choose how to take your benefits. There are several possibilities you might consider: Choose an annuity option offered through your employer retirement plan Roll over the funds to an IRA Take a lump sum distribution and pay tax on the distribution Leave the funds in your employer’s retirement plan […]

Investment Policy

When you’re thinking about investing, a good place to start is by thinking about what you need your portfolio to do. Part of the disciplined investment process is to evaluate your progress. But before you can do that, you need to decide what is reasonable to expect given the parameters you choose for the portfolio. […]

Tax-Efficient Investing

Tax-efficient investing just got a lot more complicated. That’s because we now have three capital gains rates (0%, 15%, 20%), seven ordinary income tax brackets (10%, 15%, 25%, 28%, 33%, 35% and 39.6%), alternative minimum tax, and a net investment income (NII) tax. And for any of you who are self-employed, let’s not forget self-employment […]

Countdown to Retirement

When you get to within five-to-ten years of when you expect to retire, the planning usually gets more serious. So far, you’ve probably thought about how much money to save every year, but now you need to think about lots of other issues that will guide you to a better estimate of how much you […]

Health Savings Accounts

One frequently overlooked source of income in retirement is the Health Savings Account (HSA). An HSA is a tax-exempt trust that is set up with a qualified HSA trustee. You can contribute to an HSA if you have a high-deductible health insurance policy. (If you are enrolled in Medicare, you cannot make contributions.) The money […]

Cybersecurity

It seems that no place is “safe” when it comes to your personal information. Cybersecurity is here to stay and we all have to do what we can to protect ourselves. The threats can come from many places: through our phones, our computers, our tablets. Many of us have had the unfortunate situation where our […]

Life 2.0

Most of us have caught ourselves day dreaming about what could be someday. I see this happen a lot with clients in their 50s, but it can also happen earlier. I’m a good example of Life 2.0. I started my working years as a professional cellist. I had a great career playing with top performers […]

Organize Your Financial Life

Organizing your financial records may seem like just another chore that can be put off until later, but having an orderly system gives you better control over your overall financial situation, and has tangible benefits that can make your life easier and even save you money. If your financial files are in disarray, you may […]