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The Road to Retirement +1% at a Time
Are you concerned that you are way behind with respect to your retirement savings? If you are like most Americans, you have not saved a lot for retirement. The infograph below underscores the issue....
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How the Fiscal Cliff Resolution Affects Your Tax Bill
Last week, the fiscal cliff was averted and Congress passsed budget bill HR-8, also known as the Taxpayer Relief Act of 2012. Note that taxes were raised on all workers, but will mostly affect those...
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Suddenly Unemployed or Worried About Job Security? Here Are Some Survival Tips
Getting fired from your job can be emotionally as well as financially devastating. That is why, while you are gainfully employed, you need to develop an emergency preparedness plan to cushion the blow...
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How to Best Prepare for Retirement
This article reflects the issues that most Baby Boomers face as they contemplate retirement. Often they envision a life of leisure, happiness, and relaxation. But often, retirement is a difficult...
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Eligibility for Roth Contributions is Different From Roth Conversions
A common mistake investors make is to continue to contribute to their Roth IRA even though they are no longer eligible. Most people will start a Roth IRA when there income is lower and mistakenly...
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Retirement Plan Contribution Limits for 2015
The IRS announced the 2015 cost of living adjustments for retirement plans which are detailed below: The following increases will be effective January 1st, 2015. 2014 2015 Salary Deferrals for...
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Retirement ‘Rules of Thumb’ May Point in Wrong Direction
As a financial planner who specializes in helping people prepare for retirement, I have lengthy conversations with prospective clients about their expectations for life after work. Their responses...
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Congress Makes Tax Break for Retirees Permanent
At the end of 2015 (December 18th, 2015) Congress passed legislation that allowed Qualified Charitable Distributions from IRAs to count toward Required Minimum Distributions aka RMDs. This change was...
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