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Currently, the exemptions for federal gift tax, estate tax, and generation-skipping transfer (GST) tax are at historic highs, and the gift, estate, and GST tax rates are at historic lows. But, in 2013, the exemptions are scheduled to substantially decrease, and the tax rates are scheduled to substantially increase. This raises the question of whether [...]
An individual retirement arrangement (IRA) is a personal retirement savings plan that offers specific tax benefits. In fact, IRAs are one of the most powerful retirement savings tools available to you. Even if you’re contributing to a 401(k) or other plan at work, you should also consider investing in an IRA. What types of IRAs are available? There are two [...]
In these challenging economic times, you may be considering taking withdrawals from your traditional IRA. While you’re allowed to withdraw funds from your IRAs at any time, for any reason, the question is, should you? Why you should think twice Financial professionals generally recommend using your retirement funds for one purpose only–retirement. Why? Because frequent [...]
You may have lost your job already, or it’s something you’re concerned about. Either way, the keys to financial survival after a job loss are to plan ahead, take stock of your income, and cut your expenses. Plan ahead If you haven’t been laid off, it’s a good idea to plan ahead for that possibility. It’s hard to [...]
Here is a retirement income roadmap for women because more women are working and taking charge of their own retirement planning than ever before. What does retirement mean to you? Do you dream of traveling? Pursuing a hobby? Volunteering your time, or starting a new career or business? Simply enjoying more time with your grandchildren? Whatever your goal, you’ll [...]
Do You Know What a Forced Liquidation Can Do to the Value of Your Business? If liquidation is forced on a disabled business owner or on the executor of a deceased business owner, it can quickly become public knowledge that there is pressure to dispose of the business, and these results can be anticipated: Sale of business assets [...]
What is ToSSMAX™? ToSSMAX™ stands for Timing of Social Security Retirement Maximization Program and it is our proprietary approach to helping you maximize your retirement income. … Learn more
Social Security provides retirement income you can't outlive. And, in addition to your own benefit, your spouse may be eligible to receive benefits … [Read More...]
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