After the DOL Fiduciary Rule, Enter the Fee-Based Variable Annuity
The long-suffering product class may be ripe for a comeback as hefty VA commissions are frowned upon under the DOL rule.
Best Age to Start Claiming Social Security? It’s Really a Gamble
It’s a hard question to answer, but one more question to ask yourself: When do you expect to die?
Who’s Tracking IRA Basis? Enter the Advisor
Rollovers, conversions, nondeductible contributions and inherited accounts can all impact how distributions are taxed.
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.
3 Rules for Clients to Build a Healthier Relationship With Money
As advisors, you can help your clients develop stronger financial thinking by learning these three rules, and helping clients to incorporate them over time.
How to Comply With DOL’s Best Interest Standard of Care
The DOL fiduciary rule’s best interest standard of care will impact advisors’ advice on IRAs on both a macro and micro level.
Adding Value After the Death of a Client’s Spouse
The loss of spouse is one of the most painful events a person will ever endure; the advisor can play a key role in healing.
DOL’s Best Interest Standard May Be Tougher Than It Looks
There were a number of excellent comments to my last blog, including a tome-like tutorial by Ron Rhoades on “best interest” and “sole interest” standards.
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.