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Roth Recharacterization: May Change Your Required Minimum Distribution
on July 3, 2016
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A Roth recharacterization is a true undo; it is as though you never converted those assets in the eyes of the IRS. This includes recalculating your RMD had you not converted the assets.
Family Financial Lifecycle
on July 2, 2016
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Before the children arrive, squirrel away some money. When the children go out on their own you get one last chance to save for retirement.
Understanding the Estate Tax Return
on June 29, 2016
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The estate tax return is definitely complex, but that’s because it has to account for the multitude of special rules that only apply to a few households.
BREXIT: Britain’s Independence Day
on June 28, 2016
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The future may be uncertain, but the markets are quite reliable in the long run.
Roth Conversion: Take Your Required Minimum Distribution Out First
on June 26, 2016
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A simple summary of how to meet your Required Minimum Distribution in the same year as you perform a Roth Conversion is the axiom: RMD dollars must come out first.
Narrowly Framed Questions Fail to Meet Life Goals
on June 24, 2016
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Purchasing investment products in isolation from the larger context of your specific situation is like pushing random buttons on a vending machine in order to provide a Thanksgiving dinner for your family.
Radio: Nine Ways to Secure Your Finances
on June 22, 2016
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Here are nine steps you should take to make it more difficult for criminals and identity thieves to steal your personal information.
Bloomberg Article Gets Asset Allocation Exactly Wrong
on June 21, 2016
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Apparently the idea behind asset allocation is more complex than they think.
Qualified HSA Funding Distribution
on June 19, 2016
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There is an obscure tax rule that allows a one-time Traditional IRA-to-HSA conversion called a Qualified HSA Funding Distribution (QHFD).
Testamentary Donor Advised Funds
on June 17, 2016
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An easy estate workaround is to set up a Donor Advised Fund as a Testamentary fund, meaning you aren’t funding it yet, but it will be funded upon your death.
Understanding the Generation-Skipping Transfer Tax
on June 15, 2016
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The fact that we have an 80% “generous grandparent” tax is ridiculous.
Investing in a Donor Advised Fund
on June 14, 2016
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There are several strategies for using a donor advised fund which will help determine your asset allocation.
A Guide to Investing in REITs
on June 12, 2016
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REITs are one way to get some of the benefit of investing in real estate without as much of the risk.
Language Matters: Robo-Advisor vs. Robo-Investing
on June 11, 2016
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David M Zolt writes in his article “Industry needs to rid itself of misleading labels” that “profound misrepresentation is just one of the many ways the financial services field misleads customers with language.” It is absolutely true. He explains: Language … Read More
Language Matters: Fee-Based vs. Fee-And-Commission Based
on June 8, 2016
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The term “fee-based” was created specifically to confuse consumers.