Who’s Tracking IRA Basis? Enter the Advisor
Rollovers, conversions, nondeductible contributions and inherited accounts can all impact how distributions are taxed.
Excess 529 Plan Funds: Putting Them to (Tax-Preferred) Work
The rules governing excess 529 college savings funds are nuanced and surprising, so the devil's in the details when it comes to maintaining their tax-preferred status.
HSAs, Medicare and Social Security: Avoiding Tax Penalties
Once eligible to receive Medicare benefits, a client can no longer contribute to an HSA, but the story doesn’t end there.
The Next Big Thing? Annuitant-Driven Annuities
Postmortem tax issues on annuities can be addressed when the contract is purchased now that insurance carriers offer a new form of fixed indexed annuity.
New Estate Planning Strategies for a Post-Portability World
In particular, if your clients are still relying on credit shelter trusts set up before 2013, beware the adverse tax consequences.
Mitigating Postretirement Health Expense Risk
Postretirement healthcare costs can be a significant expense, fortunately there are planning vehicles and income minimization techniques that can help.
How to Sell Fixed Indexed Annuities Under DOL Fiduciary Rule
Sales — even recommendations — of fixed indexed annuity products makes an advisor subject to the new fiduciary rule.
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.