Help Your Clients Avoid Paying Taxes They Don’t Really Owe
The IRS won't tell you your clients are overpaying since the law assigns the burden of cost-basis reporting to the individual taxpayer.
Are You a Crummey Advisor or Just a Crummy Advisor?
When it comes to passing your clients' wealth to the next generation in the most tax-efficient way, you definitely want to be a Crummey advisor.
The Four Traits of the ‘Perfect Advisor’
While investors may have a hard time finding "perfect" advisors, is there another trait they should be seeking?
2 Tax-Efficient Savings Strategies for Right Now: Tax Season Lesson, Pt. 2
Here are some counterintuitive strategies to save money in the most tax-efficient manner today (which might change as the IRC changes).
Why I Don’t Like Roth IRAs: Tax Season Lesson, Part 1
During tax season, I focus on the actual cost to the client, including cash flow. That’s one reason I've never liked the Roth IRA.
The Truth About Insurance Brokers Who Sell Annuities
Do insurance brokers objectively read annuity prospectuses and assess them in the same way fiduciary advisors do, or are they just selling a product?
3 Logical Insights Into the Notion of ‘Guaranteed’ Annuities
As long as a broker can indirectly use the word “guaranteed” with potential investors, products will get sold. But what does it really mean?
4 Logical Questions on the Value to Clients of Indexed Annuities
The strongest weapon you can wield for, and on behalf of, your clients is to apply logic to investing issues. Case in point: indexed annuities.
The Retirement Planning Process Answers the Question 'Can I Retire?'
Retirement planning is a process of long-term preparation using short-term information. Here are the details of that process.
What I Wish Every Prospect Had Considered Before Asking ‘Can I Retire?’
In part one of a series, the issues that investors should address well before they seek your sometimes heart-wrenching answer to this question.