When Clients Divorce: Avoiding the Retirement Income Trap
Retirement income planning’s complications are magnified by divorce. A qualified domestic relations order (QDRO) is often a necessity.
Medicare Deferrers Can Reap Big Benefits
While not every client will be eligible for delaying enrollment in all parts of Medicare, the financial benefits of delaying enrollment can be substantial.
DOL Fiduciary Rule Highlights HSA Retirement Income Value
Putting HSA advisors under the fiduciary rule umbrella is the DOL’s acknowledgement of an important alternative use for HSAs in retirement income planning.
Retirement Income Planning for Kids
The benefits of opening an IRA or Roth IRA for a minor child can be substantial for both the child and the entire family.
Indexed Annuities Run Afoul of DOL Fiduciary Rule
One change in the final DOL rule: Like variable annuities, fixed indexed annuities will need a BICE.
Fixed Annuities and Rising Interest Rates: Can They Mix?
Several insurance carriers have introduced annuities designed to take advantage of rising interest rates.
Advanced Retirement Planning: Avoiding the Post 70 ½ RMDs
Clients can avoid taking RMDs by working past 70 ½, but the rules are extremely specific and planning is necessary to avoid the tax hit.
How to Address Clients’ 2 Biggest Retirement Issues
The GAO and the DOL provide help on how much to save for retirement, while the IRS has a better alternative to the 4% rule.
Retaining Key Executives With Insurance Strategies
Nonqualified compensation plans using life insurance can provide additional compensation to valuable employees and also offer tax advantages.
When Trusts and Annuities Collide, Big Tax Damage Can Follow
Trusts and annuities can play powerful planning roles for clients, but when the two strategies collide, the tax consequences can be disastrous.