Stop Tinkering With Your Retirement Portfolio

My Comments: I can’t tell you how many times over the past 40 years that a client has talked with me suggesting something is wrong with his investments. It usually comes after a long run up in the markets and he or she thinks his portfolio is lagging. And almost every time we’ve made a …

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How to Protect Inherited IRAs After the Clark v. Rameker Decision

My Comments: If you have an IRA today, there is a chance there will still be money in it when the inevitable happens and you permanently leave the building. What then with this money? If you have a spouse, and they are the named beneficiary, that money now belongs to them and it becomes their …

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Every Day Should Be a Good Day to Die

My Comments: If this headline caught your attention like it did mine, then what is the message? As a life insurance salesman for lo these past 40 years, talking about death is not something new to me, though always somewhat uncomfortable. You and I both know it’s inevitable, but not something to dwell on. The …

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Three Key Strategies for Helping Clients Navigate Aging Plans

My Comments: OK, we’re all getting on in years, some of us more so than others. Baby boomers are starting to ask compelling questions about Social Security, about health care issues, and dozens of other topics that a 30 year old cannot yet start to think about. That’s OK; I couldn’t either when I was …

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This Is Exactly How Fast the Windows Monopoly Is Being Destroyed

My Comments: At some point last year I ran across this and found it interesting. So I saved it for when I needed something to talk about. And today is one of those days! Dull, rainy and cold! It’s another example of what at one point appears to be something locked in stone but over …

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9 Tax Breaks Expiring at Year’s End

I’m sure you agree that we live in a world of political correctness. Sometimes that’s a good thing and many times it just gets in the way of common sense. Right now, I have to tell you I am NOT licensed or qualified to dispense tax advice. But as a financial planner, for which I …

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Long Term Care Insurance Rates for Women Will Go up in 2014

My Comments: This has always proved to be a difficult conversation with clients. When they are relatively young, the topic is far away unless they have a parent with issues. And then the money has to be reserved for their care. And when you reach my age, there is still a strong denial that you …

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