Author Archives: Robert Klein

Reduce Capital Gains Tax on the Sale of Your Business

Reduce Capital Gains Tax on the Sale of Your Business

Savvy business owners planning to sell their business can reduce or eliminate income tax liability from capital gains by using a long-standing IRS-blessed strategy called a charitable remainder trust, or CRT.

RMDs Required Again in 2021

RMDs Required Again in 2021

If you didn’t take distributions from your retirement plan and IRA accounts in 2020, you may be surprised by your 2021 RMD. Adviser Robert Klein explains how changes to the rules in 2020 will impact you in 2021 and beyond.

Six Stealth Taxes That Can Derail Your Retirement

Six Stealth Taxes That Can Derail Your Retirement

Six stealth taxes can increase your income tax liability and reduce your lifetime after-tax retirement income. Planning for each of them should begin long before and continue throughout retirement.

Carve Out Your 401(k) Company Stock for Favorable NUA Tax Treatment

Carve Out Your 401(k) Company Stock for Favorable NUA Tax Treatment

This article was originally published in, and has been reprinted with permission from, Retirement Daily. Distributions from a traditional 401(k) plan are generally taxable as ordinary income at your regular income tax rates. This includes pre-tax contributions plus earnings. If your traditional 401(k) plan is rolled over to a traditional IRA, the same rule applies…

Keep Your Eye on QBI Before You Rothify

Keep Your Eye on QBI Before You Rothify

A Roth conversion often makes sense but there are times when reduced income tax savings can offset the potential long-term benefits of large conversion amounts..

5 Retirement Plan Beneficiary Mistakes to Avoid

5 Retirement Plan Beneficiary Mistakes to Avoid

This article was originally published in, and has been reprinted with permission from, Retirement Daily. When you die, you want to make sure that your assets are distributed to your intended beneficiaries. The transfer of retirement plans at death is controlled by beneficiary forms associated with individual plans. Beneficiary forms supersede all other estate planning documents. Directly…

Winning at the 401(k) Game

Winning at the 401(k) Game

Winning at the 401(k) game requires strategic play focused on the objective of maximizing lifetime after-tax distributions.

Not Your Father’s Reverse Mortgage

Not Your Father’s Reverse Mortgage

While they aren’t for everybody, reverse mortgages are no longer a program of last resort. A Home Equity Conversion Mortgage, or HECM, can increase retirement spending and provide for a larger legacy when used strategically throughout retirement.

Annuity.org

Annuity.org

Annuity.org has been providing visitors with carefully researched, timely information about annuities and structured settlements for nearly a decade. This free, comprehensive web resource offers professional insight from experienced financial experts on a variety of financial topics to help you make smart decisions about your money.

Wade Pfau

Wade Pfau

Wade Pfau, Ph.D., CFA, RICP® is the founder of Retirement Research. Wade is the Professor of Retirement Income at The American College of Financial Services. Wade earned a PH.D. in economics from Princeton University in 2003 with a dissertation about Social Security reform. Wade Pfau’s book, Reverse Mortgages:  How to Use Reverse Mortgages to Secure Your Retirement, shows how reverse mortgages, when used correctly, can provide an added layer of security for retirees and allow them to enjoy retirement more by gaining liquidity from an illiquid asset.

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