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Roth IRA Estate Planning Strategies

January 16, 2019/in Estate Planning/by Bill Broich

To Roth or not to Roth, that is the question Most people are very well aware of the benefits of building a retirement nest egg using a Roth IRA. One of the less well known aspects of a Roth IRA is how it can be used for estate planning. This is probably because […]

The Affordable Care Act Is Losing Medical Support

January 16, 2019/in Estate Planning, Retirement Planning/by Bill Broich

What was meant as the savior of the uninsured and those who cannot afford health insurance, ACA, is in trouble. The trouble is not finding folks who need and want the insurance, it is finding health care providers who will accept the insurance for medical services. A good friend of mine was in need of […]

The IRS Tightens Control Over Your IRA

January 16, 2019/in Retirement Planning/by Bill Broich

The IRS Wants Control Over Your IRA Location The IRS wants as much control over your IRA as possible: New rules tighten the grip. In the past, if you were the owner of an IRA, you were free to move your funds as much as you wished. As an example, if one bank had a […]

Alternatives To Traditional Long Term Care Policies

January 15, 2019/in Annuities, Estate Planning/by Library of Financial Articles

Until recently few other options for LTC protection have existed Until recently, there have not been many options to pay for long-term care (LTC) costs. Some people may be fortunate enough to self-fund their care or purchase a traditional long-term care policy from an insurance company. Even then, the cost of the premiums could be […]

Chevrolet or Ferrari, Which Would You Choose?

January 14, 2019/in Annuities/by Bill Broich

What if I told you I was going to give you $100,000 if you can drive from here to the next town in 30 minutes and $80,000 if you can make it in 40 minutes? The only condition is that you have to drive one of the two cars that I choose. One car is a Chevrolet sedan and the other is a Ferrari. The Chevrolet is dependable and powerful enough to get you there in just under 35 minutes. The Ferrari will get you to the same destination in about 20 minutes.

Should 2018 Auld Acquaintances Be Forgot?

January 11, 2019/in Retirement Planning/by Library of Financial Articles

Should auld acquaintances be forgot, And never brought to mind? And never brought to mind, as some stock and bond market investors would prefer? Certain trends that began last year will likely carry over into 2019. These were four horsemen that made their acquaintance last year (listed in chronological order): 1. April 24, 2018: the […]

Baby Boomers Are Learning The Secret That Income is King

January 11, 2019/in Annuities/by Randy Hux

Income that can never be outlived is the secret many are learning is the most important part of retirement When was the last time you heard anyone say, “I am not worried about the stock market.” The financial crisis beginning in 2008 still hovers over all of us today. Equities’ sharp drop during the crisis […]

The Case for Private Pensions

January 10, 2019/in Retirement Planning/by Library of Financial Articles

Can Private Pensions Be The Answer to Failing Corporate Pensions? David March had worked for a trucking company in Ohio for 33 years. He and his wife Sarah had saved and planned for their retirement, being a member of the blue color labor force has meant Dave and Sarah were planning on his company retirement […]

Life After The Memorial

January 9, 2019/in Estate Planning/by Eric Hutter

Life after the memorial: 9 things every widow MUST do in order to protect her financial well-being Losing a spouse is difficult at any age, but it is particularly devastating for women nearing retirement. Many of these women may have assumed more traditional roles during a marriage, such as the stay-at-home mother or they may […]

man lying with shadow showing growing nose

Lies My Financial Advisor Told Me

January 5, 2019/in Annuities/by Lisa Cassidy

Lies my financial advisor told me, or How I stopped worrying about “yields” and started loving my guarantees… “It’s not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for.” –Robert Kiyosaki-( Rich Dad, Poor Dad) The 21st-century financial world […]