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Ginnie Mae Funds for Your Retirement – September 2017

By |September 3rd, 2017|

Many people prefer to have some conservative holdings in their IRAs and other retirement accounts. This century has already produced two nasty bear markets (in 2000–2002 and 2007–2009). If a third downturn occurs, investors will be glad they held some defensive positions, which might minimize losses and possibly offer gains. September 2017|Categories: Newsletters Download

College Costs Really Are Increasing Again – August 2017

By |August 12th, 2017|

The College Board reports that the average published charges for tuition, fees, room, and board at private, nonprofit, four-year schools were over $45,000 in the 2016–17 academic year. At public universities, the average charge was around $20,000 for state residents. Both numbers are the highest on record. August 2017|Categories: Newsletters Download

Calculating Retirement Needs – July 2017

By |July 20th, 2017|

A staple in retirement planning is the search for “your number.” That is, how much money do you need to accumulate in savings and investment accounts so you can afford to stop working? Life expectancy is increasing, so the amount you have when you retire might have to last for decades July 2017|Categories: Newsletters Download

The Third Best Investment You Can Make – June 2017

By |June 5th, 2017|

The second-best investment you can make is paying off high interest rate debt (see CPA Client Bulletin, August 2016). That could come after you’ve contributed enough to your 401(k) to get a full match from your employer. What should come next? If you have no expensive debt to pay down and you’re getting the full

Tax-Wise Portfolio Rebalancing – May 2017

By |May 28th, 2017|

Studies indicate that savvy asset allocation may lead to long-term investment success. Individuals can find a desired mix of riskier asset classes, such as stocks, and relatively lower risk asset classes, such as bonds. Sticking with a chosen strategy might deliver acceptable returns from the volatile assets, as well as fewer fluctuations along the way

Dealing With an IRS Audit – April 2017

By |April 11th, 2017|

IRS data indicate that fewer than 1% of all individual income tax returns are audited each year. That’s true, but some taxpayers are more vulnerable than others. For starters, the IRS is more likely to audit taxpayers who report high incomes because that’s where larger amounts of underpaid taxes might be found. April 2017|Categories: Newsletters

Playing Defense as Stock Prices Soar – March 2017

By |March 23rd, 2017|

As of this writing, major U.S. stock market indexes are at or near record highs. This bullish run might continue...or it might end with a severe slide. Here are some strategies to consider. March 2017|Categories: Newsletters Download

After-Tax Dollars in Traditional IRAs – February 2017

By |February 16th, 2017|

Workers under age 70½ can deduct contributions to a traditional IRA, as long as they are not covered by an employer’s retirement plan. The same is true for those workers’ spouses. February 2017|Categories: Newsletters Download

Be Cautious With Hard-to-Value IRAs – January 2017

By |January 18th, 2017|

A new year begins with celebrations, resolutions, and dual IRA opportunities. Most workers and their spouses have until April 18, 2017 (April 19 in some states), to contribute to an IRA for 2016. At the same time, contributions to 2017 IRAs are now permitted; the earlier money goes into the account, the more time for

Seeking a Stable Retirement – December 2016

By |December 4th, 2016|

Anecdotally, retirement finances formerly were based on a “three-legged stool.” After people stopped working and no longer had earned income, their cash flow would come from Social Security, personal savings, and a pension from a former employer. This pension would have been a traditional defined benefit plan, paid out for the retiree’s lifetime and perhaps