Disclaiming an Inherited IRA

Disclaiming an Inherited IRA   A disclaimer is a legal document and formal refusal of an inheritance by a beneficiary.  Disclaimer rules apply to all IRA beneficiaries.  Beneficiaries are not ...

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Avoid Charitable Contribution Mistakes!

Avoid Charitable Contribution Mistakes!   There are basic donation rules that must be followed when contributing to your favorite charity, but it’s easy for anyone to make a mistake.  Here ...

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Tax Advantages of an IRA

Tax Advantages of an IRA   IRAs and Roth IRAs are both accumulation and distribution vehicles. Traditional IRAs continue to grow tax-deferred and Roth IRAs grow tax-free.   If IRAs ...

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Year-End Planning Checklist

YEAR-END PLANNING CHECKLIST   Holidays can be stressful, but take advantage of any travel delays or down time with a cup of cocoa and go over your year-end financial and ...

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Time for a Policy Make-Over?

TIME FOR A POLICY MAKE-OVER?   As your financial planning and insurance needs change, it may be time for a policy make-over.  Why consider a policy make-over?  Depending on when ...

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Are Your Beneficiary Forms Up To Date?

HAPPY THANKSGIVING!… ARE YOUR BENEFICIARY FORMS UP TO DATE?   While you are giving thanks for all your blessings, it is a perfect opportunity to also take a moment to ...

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Top 10 IRA Mistakes To Avoid

Top 10 IRA Mistakes to Avoid Taking the wrong RMD amount. Taking distributions too early. Failure to properly identify designated beneficiaries. Not knowing the special rules for spousal IRA beneficiaries. ...

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Rollovers and Tax Withholding

Rollovers and tax withholding A client recently explained that his 401(k) plan sponsor made an error and withheld 20% for taxes when all he did was “rollover” the 401(k) funds ...

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Disparate Retirement Stats for Women

Disparate Retirement Stats for Women The financial woes women face in the workforce exist beyond disparate wages. 80% More Likely to Be Impoverished After Age 65 According to a recent ...

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Simplifying IRA Lingo

simplifying IRA Lingo Conversion, Recharacterization, Reconversion, oh my! IRA terms can get confusing so here are just a few IRA related definitions that are commonly asked about: ROLLOVER Assets are ...

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