Category Archives: Retirement Income Planning

How to Enjoy a Guilt-Free Retirement

How to Enjoy a Guilt-Free Retirement

David Blanchett and Michael Finke’s research found that annuities may give retirees a psychological “license to spend” their savings in retirement.

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.

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.

The Roth IRA Conversion Trifecta

The Roth IRA Conversion Trifecta

As a result of a series of three events, there’s an unprecedented opportunity to do a sizable Roth IRA conversion this year.

5 Lifetime Valentine’s Day Gifts for Your Spouse

5 Lifetime Valentine’s Day Gifts for Your Spouse

Here are five unique ideas that are designed to benefit you and your spouse over your lifetime. A word of caution: Brush up on your presentation skills since each one will likely be met with dead silence and/or outrage depending upon your spouse.

7 Reasons to Start a Staged Roth IRA Conversion Plan Today

7 Reasons to Start a Staged Roth IRA Conversion Plan Today

One underutilized strategy for optimizing the longevity of assets when planning for retirement is a staged, or multi-year, Roth IRA conversion plan. There are seven reasons to start this type of plan today.

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