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Registered Rep.
November 14, 2014
Kevin McKinley
Tapping Annuities for an Early Retirement Annuities can offer nearly unlimited savings potential and unique benefits that can pique the interest of would-be early retirees. mark for My Articles similar articles
Registered Rep.
March 1, 2008
Kevin McKinley
Roth To The Rescue A Roth IRA can substantially reduce a retiree's tax bill. Here are three reasons people nearing retirement should put money into their Roth IRAs right now. mark for My Articles similar articles
Registered Rep.
December 24, 2014
Kevin McKinley
Withdrawal Strategies For Early Retirees Early retirees have to deal with hassles, taxes and penalties if they need to withdraw money from individual retirement accounts, Roth IRAs, and the like. mark for My Articles similar articles
Registered Rep.
August 27, 2014
Kevin McKinley
One Lump Sum or Small Payments? "Should I take my pension in monthly payments, or roll the lump sum over to an IRA?" It's a common question you may get from retiring clients. mark for My Articles similar articles
The Motley Fool
October 27, 2009
Dan Caplinger
3 Tips for a More Secure Retirement You shouldn't need to worry about making ends meet. mark for My Articles similar articles
Registered Rep.
November 1, 2005
Kevin McKinley
Doing the Family a Favor When you suggest to your recently retired clients that they consider moving money from an IRA to a Roth IRA, you may not want to highlight the fact that this year's check to the IRS is going to be a bit bigger than expected. mark for My Articles similar articles
Registered Rep.
June 1, 2012
Kevin McKinley
Goosing Returns by Reducing Taxes Take a look at your clients' 1040s to show how you can save them real money right now, and in retirement. mark for My Articles similar articles
Registered Rep.
May 21, 2015
Kevin McKinley
Six Questions to Ask Before Rolling Over a Retirement Account Casually and carelessly moving all of the money from a client's 401(k) or 403(b) to a self-directed IRA can mean lost opportunities, higher taxes, and unnecessary costs to the client. mark for My Articles similar articles
Registered Rep.
October 1, 2005
Kevin McKinley
Spend The Money and Have It, Too Here are ways to save your retiring middle-net-worth clients thousands more in after-tax income right now, plus save their families many times that amount in estate taxes. mark for My Articles similar articles
Registered Rep.
January 18, 2013
Kevin McKinley
Forget Chasing Yield; Cut Taxes for Extra Income Stop chasing higher yields, returns, and risks, and instead use these methods to reduce your working clients' income tax bills. mark for My Articles similar articles
Registered Rep.
April 1, 2008
Kevin McKinley
Roth To Riches Roth IRAs are so valuable to your retiring clients. Here are three ways to help earners in the upper echelon get some tax-free retirement income from them, too. mark for My Articles similar articles
Registered Rep.
March 1, 2005
Kevin McKinley
In Praise of Work Four out of five baby boomers plan on working after they retire from their "real" jobs. Here's how you can help them realize the tax, Social Security and financial benefits of their labor, while avoiding the pitfalls. mark for My Articles similar articles
Financial Planning
November 1, 2010
Ed Slott
Just Do It Many clients are still sitting precariously on the fence, trying to decide whether a 2010 Roth conversion makes sense. mark for My Articles similar articles
AskMen.com
Terence Channon
Must-Have Long-Term Savings It may seem like some of these financial ventures are much too far in the future to worry about right now, but if you want to reach your financial goals, these must-have long-term savings are the only way to get there. mark for My Articles similar articles
The Motley Fool
October 24, 2006
Dan Caplinger
Get Income for Life: Part 2 Today's retirees can look forward to longer lives than their parents and grandparents enjoyed. With that longer lifespan, however, comes the need to save more. Different types of annuities offer different benefits and pitfalls. mark for My Articles similar articles
The Motley Fool
December 3, 2004
David Braze
Roth IRA Conversion Considerations This is a good time of year to be thinking of your IRA plans. The ability to ultimately take tax-free withdrawals from a Roth IRA makes a conversion seem attractive. mark for My Articles similar articles
Registered Rep.
April 16, 2014
Kevin McKinley
RMDs: Take Out or Pay Up There may be several advantages for clients who wait to withdraw money from their retirement accounts -- up to a certain point. mark for My Articles similar articles
Registered Rep.
December 1, 2006
Kevin McKinley
The Case For (and Against) Immediate Annuities Right now your retired clients face a number of conundrums as they search for reliable sources of income. Retirees looking for safe, predictable income can get a big boost from immediate annuities when compared to other options. mark for My Articles similar articles
Investment Advisor
September 2006
Vicky Schroebel
The Tax Advisor: Extending Savings How stretch IRAs can benefit clients and their heirs. mark for My Articles similar articles
BusinessWeek
August 13, 2009
Amy Feldman
Is a Roth IRA Right for You? New rules beginning in 2010 will allow higher-income holders of traditional IRAs to convert to a Roth IRA. But it pays to run the numbers first. mark for My Articles similar articles
Financial Planning
May 1, 2012
Ed Slott
Newfangled Annuities A new tool has been proposed to help their clients manage the pace of distributions from their retirement accounts and to ease their fears about outliving their life expectancy. In February, the IRS released proposed regulations about the establishment of "qualified longevity annuity contracts." mark for My Articles similar articles
The Motley Fool
January 5, 2010
Dan Caplinger
The Smartest Money Move You'll Ever Make The right answer to this question could mean millions. the doors are open for those who want to convert existing retirement accounts to Roth IRAs. And never before have so many people been interested in making the move. mark for My Articles similar articles
AskMen.com
Nick Kennedy
Hyman Roth On Roth IRAs With new rule changes coming in 2010, we examine if a Roth IRA still makes sense -- with quotes from the Godfather's Hyman Roth for guidance. mark for My Articles similar articles
Financial Planning
April 1, 2012
Donald Jay Korn
Bracket Blues About 30 years ago, all Social Security benefits were tax-free. That's history, but there are still many ways planners can crack the tax code and save money for seniors and disabled clients. mark for My Articles similar articles
Registered Rep.
October 17, 2014
Kevin McKinley
Four Ways to Save for an Early Retirement Most early retirees are going to need alternate funds to cover living expenses before traditional sources of retirement income kick in. mark for My Articles similar articles
Financial Planning
January 1, 2007
Ed Slott
Retirement Plan Horror Stories The laws on IRAs and retirement accounts are complex, and even the savviest clients can make costly missteps. If you educate yourself, you can save your clients time and money -- and earn their gratitude and business. mark for My Articles similar articles
Registered Rep.
December 12, 2014
Mark Miller
When Paying Taxes on Retirement Accounts Makes Sense It's almost a mantra of financial planning: Defer taxes on investments whenever you can, for as long as possible. In some situations, it can make sense. mark for My Articles similar articles
The Motley Fool
May 17, 2004
How Roth IRAs Work Learn the difference between traditional and Roth IRAs. mark for My Articles similar articles
Entrepreneur
April 2006
Jennifer Pellet
Cash Out You may be able to take money from your IRA, penalty-free. mark for My Articles similar articles
Financial Planning
March 1, 2010
Ed Slott
Not So Fast The Roth IRA conversion floodgates are open. But while the attraction of "tax-free forever" can be powerful, Roth conversions can trigger unintended tax traps and financial problems that are often not addressed until it's too late. mark for My Articles similar articles
Registered Rep.
August 18, 2010
Behrendt & Panosh
Life Insurance Vs. Roth Conversion There may be an alternative strategy for higher net worth clients who are intrigued by the tax-free growth of a Roth IRA, but who ultimately reject the Roth conversion because of its negative income tax implications. mark for My Articles similar articles
Financial Planning
July 1, 2009
Ed Slott
Rare Victory The U.S. Tax Court ruled recently that a 72(t) payment plan was not modified when the IRA holder took an additional distribution for education. This decision may give IRA owners some much-needed flexibility if they need more funds for certain purposes. mark for My Articles similar articles
Financial Planning
January 1, 2010
Ed Slott
The Year of the Roth In 2010, you should evaluate whether roth conversions make sense for all your clients. Here's what to do. mark for My Articles similar articles
The Motley Fool
January 27, 2010
Dan Caplinger
Are You Too Old for a Roth IRA? Those with short time horizons miss out on many benefits, but not all. mark for My Articles similar articles
The Motley Fool
December 8, 2010
Jeff Rose
Roth IRA or Thrift Savings Plan Here we look at two popular savings plans available to service members, their families, and United States Federal Government employees. mark for My Articles similar articles
Registered Rep.
January 1, 2003
Kevin McKinley
Putting On Heirs In your initial meetings with clients, an answer to one question will give you insight into their values, lives and dreams and create a healthy anxiety that will motivate them to enlist your services. As nonchalantly as possible, ask, "When you die, who will get your money?" mark for My Articles similar articles
Financial Advisor
August 2010
Alan Lavine
A Good Fit Immediate annuities fit well in retirement income plans. mark for My Articles similar articles
Registered Rep.
July 30, 2012
Kevin McKinley
Income Strategies for Early Retirees Those who stop working before reaching their "Golden Years" require a specific sort of assistance. mark for My Articles similar articles
Registered Rep.
April 1, 2005
Kevin McKinley
In Praise of the Lump When a retiring client's employer presents him with a choice between a monthly pension check and a lump-sum payment, the choice is usually a simple one. Accepting the lump is usually the most lucrative choice for the client and the advisor. mark for My Articles similar articles
The Motley Fool
February 24, 2004
J. Graham
Beware of Brokers Bearing Annuities Annuities may sound good, but their costs overwhelm their benefits. Stockbrokers and financial advisors love to sell annuities because of the high commissions they reap. My ex-broker sold one to me, and it has proven to be the most restrictive, highest-cost, least-liquid, and poorest-performing investment in my portfolio. mark for My Articles similar articles
Registered Rep.
January 1, 2007
Kevin McKinley
Immediate Annuities Equal Tax Rewards Thanks to a quirk in the tax code, using an immediate annuity may give your clients both higher income and lower taxes -- catapulting the after-tax return on an immediate annuity well beyond what is offered by other conservative fixed-income investments. mark for My Articles similar articles
Entrepreneur
September 2007
Jennifer Pellet
Roth Redux A new act raises the ban off of Roth IRAs. mark for My Articles similar articles
The Motley Fool
March 11, 2010
Dan Caplinger
Smart Moves to Secure Your Retirement It takes a lifetime of smart investing to build up the nest egg you need to have a financially secure retirement. Once you've successfully retired, though, it still takes clever planning to hang onto as much of your money as you possibly can. mark for My Articles similar articles
The Motley Fool
August 4, 2006
Roy Lewis
The Roth Way to Riches It's a retirement account! It's an emergency fund! It's the amazing Roth IRA! mark for My Articles similar articles
Registered Rep.
March 1, 2007
Kevin McKinley
A Last-Minute Stop at the IRA Shop Advisors, due to a quirk in the calendar, this year's deadline for income tax filing and IRA/Roth IRA contributions is April 17. But just because there are some extra days available doesn't mean you should put it off. mark for My Articles similar articles
Registered Rep.
May 1, 2006
Kevin McKinley
Savvy Start Advisors are gradually shifting their focus from helping their clients make money to spending it. What's driving the shift? The knowledge that many of their best customers are winding down their careers and want to enjoy the fruits of their labor. mark for My Articles similar articles
The Motley Fool
September 20, 2006
Dan Caplinger
Don't Defer Paying Tax: Part 2 Simple rules of thumb are handy for investors; in general, taking advantage of opportunities to eliminate or defer payment of tax is a smart move. mark for My Articles similar articles
Financial Advisor
October 2005
David J. Drucker
Recreating The Paycheck Once a financial adviser has put a system in place that's working to everyone's satisfaction, there's always the issue of how much income clients really need in retirement. mark for My Articles similar articles
Registered Rep.
September 17, 2012
Alan Lavine
Insuring Income You'd like to insure at least part of your client's income for life. But do you choose a variable annuity with a guaranteed lifetime withdrawal benefit? Or an immediate annuity? mark for My Articles similar articles
Financial Advisor
November 2009
Eric L. Reiner
You Make The Call The decision to switch clients to Roth is anything but clear. mark for My Articles similar articles