Taxes in Retirement
Bob Carlson of Retirement Watch on how to manage your taxes and planning strategies to pay less
Found 484 Articles.
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Evaluating Pension Buyout Offers
There’s been a surge in Retirement Watch members telling me that they’ve been offered lump sums to buy out their pension rights. That’s no surprise. The number of employers making such offers greatly increased in recent years, according to research reported in The Wall Street Journal. About 22% of larger employers are expected to make […]
Knowing When Community Property Laws Matter
Each state controls how estates within it are transferred and settled. That means there are 50 different estate laws in the U.S. (More when the territories are counted.) There are both major and minor differences between these laws. There really are two very different major systems. One group of states uses community property laws, and […]
October 2015
October 30, 2015 04:35 p.m. Your Retirement Finance Week in Review There definitely are divergences in the global economy, with the U.S. separating itself from most of the rest of the globe. Within the U.S. the manufacturing sector is lagging while the rest of the economy is doing well. I expect these divergences to continue, […]
Securing Income and Reducing RMDs
You should be familiar with QLACs. They are a growing force in retirement in-come planning. In 2014 the IRS approved them as a way to secure a stream of lifetime income and to reduce required mini-mum distributions (RMDs) and the income taxes they generate. Even if you never buy one, you should understand them and […]
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Using a 401(k) to Boost Roth IRA Assets
The Roth IRA appeals to many people because of its long-term advantages. Sure, there are no tax breaks when you make contributions. You must contribute after-tax dollars. After that, though, the tax breaks multiply. Income and gains compound tax free within the IRA. You can take tax-free distributions of income and gains at any time […]
Slashing 2015 Taxes with Year-End Planning
Year-end tax planning should begin soon. Many people wait too long. By the time they come up with a year-end tax reduction plan, it is too late to execute much of it or they missed opportunities earlier in the year. Start early and reap the savings of a solid plan. A good year-end tax plan […]
Strategies for Spending Your Nest Egg
The missing link in many retirement plans is the withdraw-al, distribution, or spending strategy. Accumulating for retirement is the easy part, and many people enter retirement with what seem to be adequate resources. Yet, a high percentage of Americans die owning their home equity and little more. Most rely heavily on Social Security to fund […]
Managing Second Homes and Taxes
The signs are we’re in or nearing a good time to look at a vacation home or second home, I wrote in our September 2012 visit. That turned out to be true. Prices have recovered in many popular vacation and second home areas, and forecasts are for reasonably steady demand as long as interest rates […]
