New HUD Reverse Mortgage Rules Change the Game for Borrowers
HUD recently implemented new rules that may make a reverse mortgage line of credit substantially less attractive to many seniors.
Fee-Based Annuities and the Fiduciary Rule: One Size Doesn’t Fit All
Fee-based annuities are the product for advisors who wish to continue to sell variable and fixed indexed annuity products under the rule.
LTCI’s Death March Sparks Rise in Hybrid Products
The enduring need for funding LTC has sparked a relatively new line of hybrid products that combine LTCI with life insurance or an annuity.
Trump Tax Reform Plan Could Roil Small-Business Retirement
While many small-business clients would welcome the lower tax rate for pass-through income, it could hinder these clients’ retirement planning options.
Broad Strokes of Tax Reform Released in GOP Framework
The GOP tax framework aims to simplify the tax code for both individuals and small businesses while reducing the tax burden at both levels.
Tax-Smart Strategies to Maximize Hurricane Donation Dollars
The IRS has taken action to make it easier for clients to donate without adverse tax consequences.
The Life Insurance Health Care Savings Bank
Because HNW clients are unlikely to ever qualify for means-based Medicaid coverage, a strategy for covering these expenses can be even more important.
After-Tax 401(k) Contributions: How Do They Stack Up?
Most clients don’t fully understand the rules governing after-tax contributions and may mistakenly be equating this option with the Roth option.
Fiduciary Rule Is Squashing Annuity Surrender Charges
The new fiduciary rule has had a big impact on the market for financial products — and some buyers of annuity products may benefit.
When Should Small Businesses Convert SEPs to 401(k)s?
Some small business owners may have started out with a SEP IRA for convenience, but circumstances change.