Author Archives: Robert Klein

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.

All Reverse Mortgage Blog

All Reverse Mortgage Blog

Michael Branson, the CEO of All Reverse Mortgage, is the author of an excellent blog about reverse mortgages. Some of Michael’s posts include:  “Reverse Mortgage After Death:  What Heirs & Family Must Know,” “Warning:  Reverse Mortgage Downsides & Disadvantages,” and “Reverse Mortgage Insurance Explained.”

Paying for Senior Care:  The Top Nine Best and Most Affordable Reverse Mortgage Lenders

Paying for Senior Care: The Top Nine Best and Most Affordable Reverse Mortgage Lenders

PayingforSeniorCare.com strives to be the most complete, up-to-date, and reliable source of simple and easy-to-access information about financial resources for seniors and their loved ones on the internet. Financial products like reverse mortgages aid tens of thousands of retired Americans in paying out-of-pocket healthcare costs and other retirement expenses, and more than 24,000 FHA-secured reverse mortgage were closed in 2019.

Contribute Your 2020 RMD to a Roth IRA

Contribute Your 2020 RMD to a Roth IRA

Although you can rollover, or return, your 2020 IRA and other retirement plan February 1st to May 15th distributions as a result of the 2020 waiver of RMDs, there’s another strategy that you can use to reduce future years’ income tax liability and optimize lifetime after-tax distributions for you and your heirs.

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